davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

The account is still showing negative on my credit report when it is well after the seven years that it should be reporting. There are two of them both from Capital One, One is Capital One Auto Finance, the other one is a Capital one credit card
Consumer complaint received 2022-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NV)

UPDATE TO COMPLAINTS ALL OF WHICH THE DEFENDANT HAS FAILED TO COOPERATE & ANSWER WELLS FARGO CONTINUES FALSE NARRATIVE FOR THE SOLE PURPOSE OF INFLATING FALSE INCOME THERE IS NOT 1 ENTITY THAT SUPPORT THE CLAIMS THAT WELLS FARGO CONTINUES TO EVADE IN THE ATTEMPT TO INFLATE MONTHLY MORTGAGE BY NEARLY {$200.00} A MONTH FACTS : 1 ) WELLS FARGO IS BILLING DOUBLE INSURANCE OF STRUCTURE- AS THE MONTHLY HOA DUES COVERS THE STRUCTURE AS WELL- THAT " A DOUBLE WHAMMY! 
2 ) XXXX COUNTY HAS INDICATED THAT THE TAX AMOUNTS IS RELEASED ONCE A YEAR. WELLS FARGO HAS CLAIM TO HAVE TO INCREASE ESCROW BECAUSE OF INCREASE IN TAXES- TWICE A YEAR 3 ) THE TAXABLE VALUE USED BY WELLS FARGO IS EXCESSIVE & AGAIN NOT AGREED TO BY ANY OTHER ENTITY. 

WELLS FARGO MUST REFUND A N EXTREMELY LARGE REFUND FOR THE EXCESSIVE INSURANCE, HIGHER THEN REALISTIC TAX & PROPERTY VALUE IMMEDIATE THIS MUST BE INCOOPERATED & SUBMITTED MONTHLY TO THE PROPERTY ADDRESS AND NO LONGER PAID BY AUTOMATIC BANK WITHDRAWN THAT WAS AGREED UPON WITH XXXX XXXX, ETC.- NOT WELLS FARGO WELLS FARGO HAS NEVER REIMBURSED FOR THE EXCESSIVE COSTS INVOLVED IN 2 MORTGAGE PROGRAMS IN WHICH WELLS FARGO WILLFULLY SOUGHT TO HARM THE APPLICANT. 

THESE PROGRAMS HAVE BEEN FULLY DESCRIBED IN PRIORCOMPLAINTS TO INCLUDE THE LOSS OF {$1500.00} IN EARNEST MONEY WHEN WELLS FARGO FAILED TO CLOSE ON TIME. WELLS FARGO AGRESSIOUSLY HARM THE APPLICANT WITH FALSE NARRATIVE THAT TO DATE HAS COSTS THE APPLICANT OVER {$70000.00} IN REAL ESTATE TRANSACTIONS THAT MILLIIONS OF AMERICANS HAVE PROSPER FROM.
Consumer complaint received 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

Equifax is reporting an XXXX XXXX XXXX account that is past the statue of limitation. They refuse to remove it after several attempts. Neither other credit reporting agency is showing it because it's an aged account.
Consumer complaint received 2023-02-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

We accidentally made XXXX payments in XXXX month in XX/XX/XXXX. The loan service company, LoanCare, applied the XXXX payment to the principal. We asked for that payment back. it has taken 5 months and ridiculous hoops for us to jump through. We have been in contact with them about twice a week for the last month. All our home mortgage payments have been on time during this. 

They finally wired the money back to us on XX/XX/XXXX. But they wired it to us twice!! We did not even notice receipt of XXXX or both until a few days ago and we called them to figure it out and how to repay them. In fact, it all felt like a scam! 

In the meantime, we received XXXX certified letters from them over the last 2 days. They were both dated XX/XX/XXXX. 

The first one said we were in Default and it threatened Foreclosure at least 6 times. It also said we had not been in contact with them despite many attempts to reach us. We called them immediately, ie., yesterday XX/XX/XXXX. Apparently what happened was that, in order to pay us back, and to repay themselves the double payment they had erroneously paid us, they reversed XXXX past mortgage payments. Then they reapplied them. According to them, this negated our XXXX XXXX, XXXX payment, now making us 5 days late ( after our XXXX XXXX grace period ) for our XXXX house payment that we had made on XXXX. This all made little sense to us, but we asked what we needed to do. We made another XXXX House Payment yesterday, over the phone, which was noted as posted immediately. By the way, that letter we received was described as a canned letter. We were told that no late notice would be sent to a credit bureau. 

The second letter arrived today. Again, it was dated on the same day as the first " canned '' letter, and was also a certified letter. But this time, it was a Notice of Default and Intent to Foreclose!! It was also full of lots of wrong information, including that a repayment was due back in XX/XX/XXXX and that it was due by XX/XX/XXXX. 

We have been dealing with these idiots for 7 months now! It makes us feel like all they want is our house, which has increased in value by XXXX XXXX dollars in 4 years. We are both elderly, at XXXX and XXXX years of age. We are feeling that this is all elder abuse, never mind pure stupidity and worse professional or administrative ability. But seriously, my husband has had a XXXX and XXXX XXXX and does not need this stress. Neither do I, as I have XXXX XXXX 

Please Help us. The company is Loan Care, a service company for XXXX. 

thank you
Consumer complaint received 2023-03-17
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. (PA)

Fraudulent accounts and inquiries Appearing on credit report. 



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 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Risecredit, LLC (CA)

Due to the misinformation given by web administrators, the payment options were incorrect. Payment options given were not sufficient to cover payment. Company agreed to withdraw one payment every 14days on loan agreement. Web administrator should have been able to give proper payment arrangements. This account is paid in full, however the company continues to report delinquent accounts status.
Consumer complaint received 2022-07-24
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. (PA)

In accordance with the Fair Credit Reporting Act, XXXX account 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 an account without my written instructions.
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I was XXXX on XX/XX/XXXX a couple weeks later fraud was committed no my account I had over {$10000.00} that was stolen out of my account.. the bank stated that because I did not get out of XXXX  until XX/XX/XXXX that they could not give me my money back.
Consumer complaint received 2018-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (FL)

I had several fraudulent transactions in my account that were generated by the same person/company. Upon reporting it, Ally has refunded the money on most of them. However, they initially refused to refund the very last transaction. Their reason was that I reported it too late. However, I report the very next day after that last transaction. After views, they refunded a portion of the fund, {$3400.00} out of {$5800.00}. When I asked them, they could not tell. This is after numerous phone calls and hours of waiting. Upon my pressing for an answer, they promised a call back within three days from an Executive group employee, but it never happened. When I called again this morning, I was told to patiently wait. The fraudulent transaction happened on XX/XX/2018. It has been almost 3 months. I don't think this is acceptable. Please help.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I have been actively disputing an account with XXXX XXXX XXXX XXXX for years. I recently began cleaning up my credit and notice, XXXX was still reporting inaccurate information to all three credit bureaus. I requested a verification of debt because I was uncertain the debt even belonged to me with such conflicting information. Recent disputes began in XXXX XXXX. On several occasions via filed disputes, XXXX, Experian, XXXX and XXXX XXXX verified the inaccurate data using E-Oscar and continued to report across all three bureaus. Data provided, did not coincide with data provided through the debt verification. If all three bureaus were receiving different information, this would be impossible. 
Over the years and especially in the last few months, this willful non-compliance of the FCRA is a violation of my rights. Previous credit reports show XXXX was reporting inaccurate data such as high balance, payment amount due, date account was open, date of last payment, amount past due etc. After filing a complaint with the XXXX, XXXX XXXX updated my credit file, again with inaccurate data. There was even a difference in the amount added to the monthly balance for the month of XX/XX/XXXX across the bureaus. One bureau had an increase of {$100.00} and the others {$100.00}. In addition XXXX and XXXX are reporting a high balance of {$6600.00} on a closed account, and the Experian is showing a balance of {$0.00}. Instead of correcting the data, XXXX, instead chooses to harm my credit file with Experian, XXXX, and XXXX assisting by validating inaccurate data continuously on my credit file. In addition, when you attempt to contact XXXX about your credit file, they say the account was sold to XXXX credit Services, yet XXXX is reporting. Please remove from my credit file.
Consumer complaint received 2020-12-16
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: Bread Financial Holdings, Inc. (FL)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX. XXXX, XXXX, XXXX - XXXX XXXX, on XXXX XXXX, XXXX, XXXX, XXXX and on XXXX XXXX, XXXX, COMENITYBANK/WAYFAIR add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2018-09-12
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc (CT)

Company calls multiple times a week, I owe them a debt. I do not have an active account and I have asked them to stop calling. I do not owe them money. 

Contacted me XX/XX/18, XX/XX/18, and XX/XX/18
Consumer complaint received 2023-02-01
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-08
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. (NC)

I have been actively disputing an account with XXXX XXXX XXXX XXXX for years. I recently began cleaning up my credit and notice, XXXX was still reporting inaccurate information to all three credit bureaus. I requested a verification of debt because I was uncertain the debt even belonged to me with such conflicting information. Recent disputes began in XXXX XXXX. On several occasions via filed disputes, Transunion, XXXX, XXXX and XXXX XXXX verified the inaccurate data using E-Oscar and continued to report across all three bureaus. Data provided, did not coincide with data provided through the debt verification. If all three bureaus were receiving different information, this would be impossible. 
Over the years and especially in the last few months, this willful non-compliance of the FCRA is a violation of my rights. Previous credit reports show XXXX was reporting inaccurate data such as high balance, payment amount due, date account was open, date of last payment, amount past due etc. After filing a complaint with the XXXX, XXXX XXXX updated my credit file, again with inaccurate data. There was even a difference in the amount added to the monthly balance for the month of XX/XX/XXXX across the bureaus. One bureau had an increase of {$100.00} and the others {$100.00}. In addition TransUnion and XXXX are reporting a high balance of {$6600.00} on a closed account, and the XXXX is showing a balance of {$0.00}. Instead of correcting the data, XXXX, instead chooses to harm my credit file with XXXX, XXXX, and Transunion assisting by validating inaccurate data continuously on my credit file. In addition, when you attempt to contact XXXX about your credit file, they say the account was sold to XXXX credit Services, yet XXXX is reporting. Please remove from my credit file.
Consumer complaint received 2024-02-07
Product: Credit reporting 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. (FL)

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

Item : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

ON XX/XX/2021 I VISTED XXXX XXXX STORE IN XXXX XXXX, CA. THE LADY AT THE REGISTER ASKED IF I WANTED TO APPLY FOR THEIR STORE CARD, I SAID NO THANK YOU, BUT SHE INSITED IT WAS A SOFT PULL THAT WOULD NOT REGISTER AS A HARD INQUIRY ON MY CREDIT REPORT. 
I SAID FINE AND FOLLOWED ALONG ANSWERING HER QUESTIONS, I GOT THE CREDIT CARD DENIED AND HARD PULL RECORD ON MY CREDIT. 
SHE ARGUED IT WOULD NOT BE ON MY CREDIT REPORT YET HERE WE ARE. 

SYNCB/XXXX XXXX
Consumer complaint received 2016-05-01
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

About three years ago, in order to help my daughter refinance her car loan, I opened a Certificate of Deposit ( CD ) Account with USAA Federal Savings Bank ( USAA ) routing # XXXX. Since opening the CD there had not been any particular noteworthy events concerning the CD. However, during the past weekend I noted unusual activity for the CD in terms of interest payments. On XXXX XXXX, 2016, I contacted USAA to inquire about interest payments being credited and then simultaneously debited to my CD. Specifically, without written or verbal explanation the crediting and then debiting activity occurred on the dates of XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16. 

When I contacted USAA, I was asked by the USAA representative if I had recently opened any new USAA accounts and had not provided a signature card to which I replied no to both questions. While on the phone, the USAA representative asked me to hold several times while she checked on my account status. After this had gone on for about 25 minutes, it appeared there was not going to be a timely response to my inquiry ; I asked the USAA representative if it might be possible for her to call me back. I noted that I was expecting an important call from the U.S. Department of Veterans Affairs that I could not miss. Both the representative and supervisor seemed indifferent to the fact I was a XXXX Veteran and needed to communicate to the Department of Veterans Affairs that several of my prescriptions needed to be refilled promptly. 

The USAA representative stated that she would not be able to call me back and that I must continue to hold on the phone until she had resolved the issue with my CD account. I then asked to speak with a supervisor and stayed on the line for another 10 minutes waiting until the connection with USAA was lost. Thinking that someone would call me back ( the USAA representative had already asked for my identifying information and thus had access to all my contact phone numbers ), I waited about 30 minutes before calling USAA customer service and asked to speak with a supervisor. I was told by the supervisor, that USAA implemented a policy about three ( 3 ) years ago whereby it does not call customers back to provide information concerning their respective accounts. 

At present, I still do not know why, unlike in the past, I am not being credited with interest to which I am entitled for my CD account.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION (CA)

I Called the company Oportun at XXXX XXXX. 
Personal loans : XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Spoke with a customer service representative. I explained that the amount of my balance is incorrect. That needs to be up dated, as soonest possiable. I was told that they would forward the information to the correct department and Open a Ticket for follow up? 

** Oportun contacted me apologizing, that indeed the information was incorrect. BUT did not update the 3 main Bureaus with the correct information. What's the point of submitting the correction and complaint.
Consumer complaint received 2022-03-08
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: EQUIFAX, INC. (FL)

I UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD
Consumer complaint received 2022-03-04
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!