davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Hello, I have new mortgage with Wells Fargo. I am planning to pay more towards principal and bring the LTV down to 80 % but Wells Fargo won't waive my escrow account until 24 months later. 

The initial escrow account was around XXXX for 11months of property tax prepaid. My escrow account is over XXXX in only 2months. They're over-collecting money in my escrow account without any interest. I'd rather just to pay LTV down and manage the property tax and insurance payment myself.
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX XXXX reporting and attempt to collect on a debit I do not owe. 

Per Federal and State Lending Guidelines for consumer loans ( Auto, Personal, Real Estate ) in this case an Auto Loan. 

THIS IS NOT MY LOAN OR ACCOUNT AS ANY TYPE OF RESPONSABLE PARTY An auto loan shall have a endorsed and signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note for all consumer loans. The endorsee and signers by all parties would be the Borrowers, Co-Borrowers, and or Guarantors. 

In this case the auto loan with XXXX XXXX XXXX a request was made to them to provide actual proof that the reporting guarantor did actually make this loan by providing a copy of the signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note. Which they have fail to do. 

The only documentation they were able to provide was a Notice to Guarantor from  XXXX XXXX XXXX XXXX and a check cashed and signed by another person identified as the borrower of the loan which happens to be a relative of mine. 

To note the Notice to Guarantor from XXXX XXXX XXXX XXXX clearly states the notice is not the contract that makes you liable for the debit. It also further states that the sign promissory is the actually agreement and contact of liability of such a loan and debit. 

Theyre failure to provide any such proof and supporting require documentation clearly shows that I XXXX XXXX am not liable for or agreed to this said such loan. 
That I never agreed to finalize and or accept any loan, nor did I sign or agree to any legal loan documentation such as promissory note, a Truth-In-Lending, Security Instrument as a Borrowers, Co-Borrowers, and or Guarantor which is required by law. Nor did I XXXX XXXX sign for, accept, and or cash any check or instrument in this supposed Auto Loan. 

See attach documentation I was able to obtain which clearly supports my dispute. 

If the creditor disagrees with my dispute I demand them to present a signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note by me XXXX XXXX as a Borrower, Co-Borrower, and or Guarantor which is required by federal and state lending laws. Failure to do so again will support my claim that this loan being reported in not mine nor do I have any liability to such said loan. 

Under the Fair Credit Reporting Act, Consumer Protection Act, and other Federal and State Lending and Financial laws and guidelines they XXXX XXXX XXXX XXXX have fail to follow and adhere to.
Consumer complaint received 2018-04-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (CA)

Processed my monthly rent payment as always with an electronic funds transfer. Was notified by my property manager that the payment failed, which was odd because there was plenty of funds in the account, and I had heard nothing from my bank, so I assumed there had been a mistake. I retried the payment, and found out days later that the bank again failed to process the payment despite they're being adequate funds in my account. As a result I have been charged the following in addition to my regular rent payment : Late Fee for XX/XX/XXXXDue on XX/XX/ {$56.00} NSF Fee -1st NSF fee for Rejected ACH XX/XX/XXXXRent Due onXX/XX/XXXX {$25.00} 3 Day Notice Posted on XX/XX/ Due on XX/XX/ {$55.00} 2nd NSF fee for Rejected ACH XXXX Rent Due on XX/XX/ {$35.00} 3 Day Notice Posted on XX/XX/ Due on XX/XX/ {$55.00} Chase has the ability to contact me via call, text, mail, or email and they do so regularly all the time with each method. I was not imformed by chase that they had changed their policy and were no longer allowing my account to pay bills via ach/electronic check as I have been doing for years, and gave me no notice that they had not funded my rent payment. 

This violates SECTION 1005.7 ( a ) 5
Consumer complaint received 2021-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (NV)

from : my credit report activity Alert Someone used my credit XXXX2021 Source : XXXX Business Name : Credit Collection Service Balance Amount : {$910.00} Business Information : XXXX XXXX XXXX XXXX, Ma XXXX I contacted XXXX that someone used my credit to remove this bill off my credit report and filled out all the necessary paper work and mailed on Monday XXXX XXXX, 2021 and have not hard back.
Consumer complaint received 2023-03-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (VA)

See attachments below. Uniformed use and fraud without evidence of the debt and the only evidence of the debt was just an agreement which was never clear and conspicuous this is null and void please delete this or y'all might involved with something bigger because they willing did this without explaining things.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I applied for a home equity loan with XXXX and they denied me based on excessive debt post funding which is absolutely wrong I only have a mortgage and my student loans my credit score is XXXX I make over XXXX a year and I'm not behind on any payments in fact I have disposable income over XXXX to {$7000.00} per month so it makes no sense as to why they would deny me. They tell me it's something on the Experian credit report and Experian says there's nothing on there so it's very frustrating because I keep getting denied by different companies and there is no reason why I should not be able to get a feel like this is discrimination and it's unfair. I need this loan so I can move forward with my home renovation projects. I've been stalled now for over two years.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX Bank just responded to my XXXX complaint & agreed that the account being reported does not belong to me. Why is XXXX XXXX Experian continuing to verify it instead of deleting it. This has exposed both credit bureaus as being corrupt & wanting consumers to stay in a bad credit cycle. Im already planning to file a lawsuit but if this isnt fixed even by providing proof from the creditor that the information is inaccurate then I will be suing federally instead of locally.
Consumer complaint received 2019-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

Upon checking my credit report with Equifax, I noticed it contained inaccurate personal information ; wrong addresses and employer information. I mailed a letter to Equifax listing my correct information along with proof ( ID, Social Security card, utility bill ) and asked them to correct my personal information. On XX/XX/2019 I received a letter from Equifax dated XX/XX/2019 stating that The disputed address has been deleted. The confirmation number Equifax provided on the letter stating that they have deleted the incorrect addresses is XXXX. However, as of today, XX/XX/2019 the wrong addresses continue to be reported on my credit report.
Consumer complaint received 2018-04-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: United PanAm Financial Corp. (AL)

This Vehicle was purchased XX/XX/XXXX. I asked the dealer was there any issues with the vehicle. He stated that he had it service and it was good to go. Day one of having this vehicle the check engine light kept coming on. I contacted the dealer and had me to take the vehicle to XXXX XXXX. They stated that it was the Throttle Body. They allowed me to leave it and they repaired. The vehicle was sent to XXXX XXXX   several time and issues remained. I received the vehicle back with the same issues and was took back to XXXX XXXX several times. Issues was never fixed nor did the check engine light go out. The dealer sent the truck to another service company and they found other issues. The dealer made me purchase a warranty XX/XX/XXXX( XXXX ) and it took forever to fix the vehicle and I had to rent a rental car for a long period of time. The check engine remained on. The vehicle had to have transmission rebuilt ( XXXX ). Now the vehicle is in the shop again for Engine misfire. The coil, spark plugs, wires and all have been replaces. The issues still remain. The serviceman stated that the motor and or fuel rail has been swapped out. The service man is stating that we can either get a cam shaft ( XXXX  ) or engine ( XXXX ) I still have a loan in the amount of XXXX on the vehicle. I contacted the dealer and explained the issue to him and he suggested that I purchase another warranty. I explained to him why would I do that after hearing that the motor and fuel rail has been swapped on this vehicle. I have put so much money in the lemon to where it could be half way paid off. Before purchasing this vehicle I explained to the dealer what I wanted and he promised me what I asked for. There has been issues since purchase and dealer wouldn't trade it out for nothing better. This vehicle has put me in a hardship to where I can barely pay my bills, daycare, car note, insurance and etc.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX account # : XXXX, has violated my rights 15 U.S.C 1681 section 602 A. This states that i have the right to privacy. 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX account # : XXXX, has violated my rights 15 U.S.C 1681 section 602 A. This states that i have the right to privacy. 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

In 2009 XXXX XXXX reported a 60 day late payment on my credit report. At that time I did not know I could file a complaint with this bureau. 
Their report was erroneous and I wrote them many letters to say it was incorrect. They had given me a 60 day forbearance on my account because my house had burned and my husband XXXX XXXX XXXX XXXX. 
I continued to write letters for months on end asking them to remove the 60 day late notice from my account because I had documentation of the forbearance. They refused to speak with me and would only return a letter tell me that the 60 day late report to the credit bureau was correct. 
I am writing this to you so that you might check and see how many other customers they have done this to. They are a crooked, disreputable company and should have their doors closed to any further business. T The 60 day late payment no longer shows on my report but I wanted you to know this is another of their bad tactics of which they have many.
Consumer complaint received 2021-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (NY)

I was approved for an Apple Mastercard and now have an account open with them through Goldman Sachs Bank. They are refusing to give me a physical card to use for purchases. I do not even have access to the account number nor credit card number. They told me that I have to PURCHASE an XXXX XXXX in order to use my credit, and the only way to receive a physical card is to put in a request through their XXXX app on the XXXX. There is no way for me to use the " card '' or account without first purchasing a $ XXXX XXXX XXXX device. This is unacceptable, and they simply can not get away with such a discriminatory practice. I am shocked that they are allowed to OPENLY DISCRIMINATE against anyone who uses XXXX  for their mobile device.
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXXXXXX Balance {$0.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to XXXX or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly Delete this wrong account. 

XXXXXXXX XXXX XXXX  XXXX Balance {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$540.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXXXXXX Balance {$810.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX XXXX XXXXXXXX Balance {$750.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY (UT)

I received a Bluebird prepaid debit card that I never requested or applied for. The customer service phone number for Bluebird does not allow me to speak with a live person without activating the card. I do not want to activate the card. I am concerned that my identity has been compromised. I have placed a fraud alert on my credit report, but need to get this account closed.
Consumer complaint received 2020-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

I have paid off the account with IC systems on XX/XX/2020. I am purchasing a house and will have my credit pulled again in the next 30 days. I need this collection account removed from my credit report and to NOT appear again ... I was told that it will not be removed for another 30/45 days. This is unacceptable Please remove ASAP
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-11
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Affirm Holdings, Inc (TX)

This company has violated and continues to violate me and use manipulative tactics. I have called and mailed them and they have continued to do illegal activities and have not shown no remorse for their illegal tactics. I recently invoked my rights as a consumer and sent a cease and desist to Affirm to desist all illegal activity and stop all communication with me Pursuant to 15 USC 1692c ( c ) and the company has continued to communicate to me, even through third parties. This company also has violated federal law by saying that I owe an alleged debt and I as the consumer have demanded to stop illegally reporting on my credit report and they denied to stop reporting negative information when I the consumer have the right to what is furnished on my reports. I, the consumer have said a MULTIPLE of times that I DO NOT OWE THIS ALLEGED DEBT, they then emailed me and accused me again of this alleged debt violating 15 USC 1692b ( 2 ) while even saying that sometimes they miss information Which I can prove with exhibits.