davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

I opened two CD accounts with Wells Fargo and after a month, I realized that the institution was not depositing the full interest rate amount in my accounts ( as instructed ). The institution has been withholding a monthly amount for : " Federal Withholding on Interest/Dist Pay. '' On XX/XX/23, I went to the branch and filled out a W-9 form as they explained that this information was missing and it would correct the issue and they would be able to stop withholding the funds and deposit the full interest amount in my accounts as instructed. However, the institution has continued to erroneously withhold the interest and retain my money which I could be using for something else. 
I have called Wells Fargo again, and they reported that the only way to correct the issue is at the branch. Unfortunately, I have limited time to go to a branch during regular business hours due to my work schedule and I have already tried to resolve the situation with them.
Consumer complaint received 2021-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (FL)

This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have no legal liabilities to the collection company. The amount indicated in the report was already paid to the original creditor. The continuous reporting of this erroneous information on my credit report has been hurting my credit score massively and this is no longer acceptable. Documents and anything of its like should be presented for me to review the accuracy of your investigation. Failure to provide my request should result to the deletion of this account abruptly.
Consumer complaint received 2017-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (LA)

I checked my credit report in XXXX 2017 and saw a debt from a collection company CBA for XXXX XXXX XXXX. I have never had a previous account with XXXX. I currently do have their water service. I sent CBA a certified letter asking them to validate the debt owed. They sent me a bill from the company. No contract with my signature or anything.
Consumer complaint received 2018-11-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AMERICAN EXPRESS COMPANY (CA)

I was contacted today on XX/XX/XXXX at approximately XXXX pst, from this number XXXX by a representative called XXXX XXXX XXXX repersenting American Express and said she's calling from XXXX. She refused to give me her employee id number instead she gave me her extension number ( XXXX ) and claimed that's her id number. 

She attempted to ask about a close account from XXXX, I informed her that I do not agree with her and in fact what she's talking about is fraudulent activity that happened on an authorized account. At this time, I clearly informed her that the statue of limitation has been reached and if she was trying to get me to falsely admit to charges that where fraud that I'm protected under the consumer act. At this point I asked to speak to her manager to explain to them what they are doing is harassment and that coercion is illegal. 

Mr. XXXX XXXX XXXX xXXXX ( claims he doesn't have an employee id number ) got on the phone to " attempt '' to calm me down and find " what happened '' in XXXX. I explained to him that the issue was addressed in XXXX, I am not responsible for these fraudulent activities and that what they are doing by trying to get me to admit thru threats of lawsuits ( which already surpassed California 's statue of limitation ), intimidating tone of voice is illegal and do not call me back. He then purposely offered me unsolicited incorrect information telling me if I contact the other departments or pay money it will not effect my credit, When clearly it's known that if you pay it can be reported to the credit bureaus even if you do not admit guilt. 

I reapetly informed them that this is not my dept, do not call me and I'm not responsible both Mrs. XXXX and Mr. XXXX refused to listen and take my statement seriously.
Consumer complaint received 2018-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: CITIBANK, N.A. (SC)

I made a deposit into my checking with a convenience check. The company, Citicard, rejected the transfer via email. They transferred the money in spite of notifying me of the transfer being rejected. 
I contacted Citi card and was told they would reverse the transfer and the transfer fee, Citi card never did reverse the transfer. 
Citi card denies me access the my account on line and customer service will not talk with me. They say I need a password to access my account. I have given them the password previously and discussed the account but now I am told the password is incorrect and customer service will not discuss the account. 
When the transfer was rejected, the contract accessing the convenience check was voided. 
I want the transfer reversed as well as the transfer fee. I want nothing further to do with Citi Card or Citi Bank.
Consumer complaint received 2018-11-09
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: Experian Information Solutions Inc. (FL)

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), XXXX  OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Disputing the Debt, Dated this XX/XX/2018.
Consumer complaint received 2022-07-25
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX # XXXX, has violated my rights. 

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 withoutmy written instructions
Consumer complaint received 2018-11-08
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. (CA)

I have disputed this account as inaccurate. XXXX  and XXXX  continues to report this account on my credit and has responded that the debt was verified. How is that possible? What was your method for verification? Who did you contact? I have contacted XXXX XXXX myself regarding the account mentioned and have been unable to get them to verify that this is indeed my debt. 

I have attached copies of the correspondence I received from XXXX XXXX after asking them to validate this debt. In response, XXXX XXXX is asking me for my personal information such as social security number, my full name, full card number, my address along with a detailed explanation for my request. They are the ones reporting negative information on my credit report. Shouldnt they have this information already? They have my name, current address, and the card number yet they continue to ask me for additional personal information. Apparently, they do not have any information on me. This debt is not mine and I was not given any evidence of my obligation to pay this debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract for any and all accounts you post on a credit report. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is clearly a case of unverified debt. I advise XXXX XXXX ( XXXX & XXXX ) to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages & declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to resolving this matter ASAP.
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion and XXXX are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX Open Date XX/XX/2021 Balance : {$0.00}
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

As I reviewed my recent report, I have found an erroneous unknown inquiry reporting on my Experian Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to Experian to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX, XXXX XXXX Inquired on XX/XX/2020 XXXX
Consumer complaint received 2018-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

THIS ACCOUNT WAS PAID IN FULL IN XX/XX/2017 AND MR. COOPER FILED A RESCISSION OF SATISFACTION MEANING THEY CANCELLED THE SATISFACTION. I NEED THE SATISFACTION RECORDED AND A LETTER STATING THE ACCOUNT WAS PAID IN FULL. rescission means the revocation, cancellation, or repeal of a law, order, or agreement.
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AZ)

I currently have 19 inquiries reporting on my credit report on Experian that are without a firm line of credit. I have circle all 19 inquires on my credit report and included them as an attachment below. Credit bureaus may only report inquires that are 1. FIRM LINE OF CREDIT * ( result of open acct only ) 2. COURT ORDER 3. LEASE AGREEMENT * ( result of apartment rental application ) 4. EMPLOYMENT These inquiries are do not have a firm line of open credit connected to them. 
The FCRA Law require everything on your credit report to be accurate, valid and complete. These 19 inquiries should not be reporting on my Credit Report.
Consumer complaint received 2023-03-22
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. (CA)

My name is XXXX XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX XXXX XXXX Date Opened XX/XX/2022 Balance : {$320.00}
Consumer complaint received 2020-08-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2020 was reported as a late payment. I sent a certified letter via USPS to the creditor and received a response back stating the information reported was valid and no further action required. The information reported was inaccurate. The customer service rep stated that It as reported as late but they had no explaination for the late payment. I as told that this payment was report as late for something that an paid over 3-4 years ago. I asked for a payment statement and it shows I have not missed any payments in the last 2 years
Consumer complaint received 2018-11-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (TX)

Westlake Financial Services XXXX XXXX XXXX XXXX XXXX, California XXXX I sent a letter for debt validation of the underlying deficiency. 
They sent statements with the wrong address and no proof legal notice of repossession or resale of vehicle. 
It it reporting erroneous information on my credit report. 
I will like this matter resolved it had been almost 4 years.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

While trying to refinance my mortgage I was told I had a freeze on my credit reports. I called Equifax and after about an hour had it lifted. I called XXXX and after about an hour I had it lifted. I called XXXX and was told to go on line. First, I never requested a credit freeze and second they make it impossible to get help in a timely manner. 

I would like to get this freeze lifted so I can go about the business of refinancing my mortgage. Can you help me??? 

If they have so much power over consumers we should have the ability to fix problems quickly and without crawling through hoops.
Consumer complaint received 2022-06-18
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: Experian Information Solutions Inc. (CO)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

On XX/XX/2022 I went to XXXX dealer in XXXX with a approval letter from XXXX  XXXX for auto financing. I let XXXX know that I had the approval letter and would like to see ma options with XXXX  XXXX. They failed to do what i asked them and proceeded to run my credit with numerous banks resulting in inquiries on my credit report that I did not authorize. I've called some of the creditors listed on my inquiries. Some the number is not working and others since I have no account with them they told me I have to dispute the inquiry directly with the bureaus. These inquires are as fallows. 

XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX  XXXX  XX/XX/2022 XXXX  XXXX  XX/XX/2022 XXXX  XXXX  XXXX  XX/XX/2022 These Inquiries where not authorized by me and would like them removed from my credit reports. Thank you
Consumer complaint received 2018-11-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (IN)

In mid-XX/XX/2018 we began the process of applying for a home improvement / cash out refinance loan to replace the roof on our home. 
We approached our current mortgage holder - XXXX XXXX - and our local bank where we hold our accounts - Chase - for their best rates. 
XXXX. XXXX offered us very favorable terms, but when we presented these to the Loan Officer at Chase he agreed to undercut their fees by several hundred dollars. 
We, therefore, opted to proceed with our application to Chase. 
In early XXXX we proceeded with the application, income verification and appraisal process. 
The Chase XXXX XXXX indicated that we had been tentatively approved. 
Late in XXXX, however, the Loan Officer phoned and informed us that Chase would not make the the home improvement loan because the home needed some repairs - namely the roof - which we had indicated was the purpose of the loan from the beginning of the process. 
After several days we had not received any notification in writing about their adverse decision. I spoke with the Loan Officer who indicated that a letter would be forthcoming. 
A couple of days later we did receive a letter from someone we had never met nor dealt with who indicated that he 'was sorry that we had withdrawn our application. ' We did not withdraw our application. I spoke again with the Loan Officer who, once again, assured me that the proper letter would be forthcoming. 
Today, XX/XX/XXXX, I received a letter in the mail - again from the same fellow who we have had no dealings with - stating that we had withdrawn our application. 
Let me state unequivocally that we did not withdraw our application either in writing, verbally, expressly or otherwise. They simply have turned us down. 
Despite several attempts on the phone and by email we have attempted to get Chase to provide us with the required letter explaining the reasons for their adverse decision. They seem unwilling to provide one - we can only speculate as to why.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2022 I went to XXXX dealer in XXXX with a approval letter from XXXX  XXXX for auto financing. I let XXXX know that I had the approval letter and would like to see ma options with XXXX  XXXX. They failed to do what i asked them and proceeded to run my credit with numerous banks resulting in inquiries on my credit report that I did not authorize. I've called some of the creditors listed on my inquiries. Some the number is not working and others since I have no account with them they told me I have to dispute the inquiry directly with the bureaus. These inquires are as fallows. 

XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX  XXXX  XX/XX/2022 XXXX  XXXX  XX/XX/2022 XXXX  XXXX  XXXX  XX/XX/2022 These Inquiries where not authorized by me and would like them removed from my credit reports. Thank you