davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY (MA)

I disputed this to the company wells Fargo that is involved with credit bureaus and nothing was done, the car in question the XXXX  XXXX XXXX that this is about that I bought XX/XX/2018 I returned the vehicle to the place I bought it at which was XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX, MA XXXX on XX/XX/XXXX it was a personal repossession in which XXXX XXXX was informed about, they told me they were going to file all the paperwork letting everyone know yet they filed nothing, and I am now still be harassed by wells Fargo and threatened for a vehicle I do not own anymore, XXXX XXXX hasn't done what they said they were going to do and file all the paperwork, now the fact is wells Fargo keeps attacking both me and my credit report, in letters threatening me that they are going to repo the vehicle, now how can they threaten me that they will repo a car when I don't own it? The other fact is if XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, MA XXXX isn't properly filing there paperwork why is it that ex customers have to keep being threatened cause they don't file the paperwork properly, the fact is wells Fargo is just as much to blame cause they refuse even after a dispute to go or call XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX, MA XXXX to verify that the vehicle was indeed returned as a personal repo already instead of threatening me all the time, the fact is the credit bureau don't do XXXX to actually fully look into it.
Consumer complaint received 2023-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the fair credit react.The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 U.S.C 1681 XXXX  # XXXX has violated my rights 15 U.S.C 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 Also states that 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. Ant other adverse items of information other than records of convictions of crimes which antidotes the report by more than seven years.

15 U.S.C 1681=2 ( ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the the person knows or has reasonable cause of believe that the information is inaccurate
Consumer complaint received 2019-01-06
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. (FL)

On Friday, XX/XX/2018, my husband and I visited the XXXX XXXX XXXX  store in XXXX, FL. Upon our arrival, we were greeted by a salesman by the name of XXXX. We explained to XXXX that we were interested in viewing their XXXX home but was NOT looking to purchase until XX/XX/2018 because we were working on paying down our credit card balances. After viewing the home, XXXX was adamant that we should allow him to do a soft internal pull of our credit score so that he could show us the accounts that we should focus on paying down. We agreed under the conditions that it was a soft, internal pull that would NOT affect our credit. To our surprise, it not only resulted in a hard pull but our information was also sent to XXXX XXXX XXXX  without our consent. As illustrated by the email communications, I was unsuccessfully in resolving this issue as well as explaining my concerns to the Owner of XXXX XXXX XXXX, XXXX XXXX. I was trying to get him to see that the information that XXXX communicated to us was clearly misleading and dishonest because otherwise, I wouldnt be upset if I came there with the intentions to buy. However, I was only looking and obtaining information to better prepare for my home-buying experience in the months to come. Please note that I never contacted XXXX XXXX to obtain any information regarding the status of the loan application-that information remains unknown.
Consumer complaint received 2019-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MN)

In XX/XX/2019, we entered into an approved repayment plan with our home mortgage servicer US Bank HOme Mortgage with first payment beginning in XX/XX/2019 for {$5000.00}. We made this payment. We also made our XXXX repayment plan payment for {$310000.00}. The agreement with US Bank is uploaded with this complaint. 

Our loan with US Bank was transferred to a new servicer, XXXX XXXX XXXX on XX/XX/2019. XXXX XXXX XXXX did not honor our existing repayment agreement with US Bank when the loan transferred to XXXX because XXXX states it did not receive any documentation from US Bank indicating we were in a repayment plan with US Bank. Thus, XXXX placed our home loan in Active Foreclosure on XX/XX/2019 where it remains today because of US Bank 's negligence in transferring our agreement with them to the new servicer. XXXX 's attorney has sent us notice of the foreclosure. The letter from XXXX 's attorney is uploaded with this complaint. 

Now, we are not permitted to pay our scheduled repayment for the month of XXXX because XXXX views us as being in Active Foreclosure where it can not accept payments. 

When I called US Bank to prompt them to send XXXX our repayment agreement, US Bank representative XXXX stated that the reason US Bank can not send the repay agreement to XXXX is because US Bank marked our loan as having completed the repayment plan when it closed the loan out. She also said US Bank marked the loan " delinquent '' when they sent it over to XXXX. This is inaccurate. Our repayment plan was NOT completed. It was current and on going. And, our loan should not have been placed in ACTIVE foreclosure w/ XXXX if US Bank had transferred our documents appropriately. 

Because we are getting nowhere trying to motivate US Bank to procure the documentation in support of our repay agreement with them, we emailed the agreement to XXXX ourselves. Still nothing has changed. Our home is still being foreclosed upon simply because our loan servicers changed and documents were not included in the transfer.
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (CA)

this corrupt inept, scandelous company froze my credit w/out my permission, they have several XXXX, and XXXX XXXX XXXX complaints, i have called them several times and they never answer the phone, just tell you to leave a message which they never return, so right now they control my life and my credit by the freeze. i wa n't it taken off and this company fined. i have made complaints with XXXX, XXXX XXXX XXXX and atty general.
Consumer complaint received 2022-08-28
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. (CA)

It has ben tree months now that I have tried to fix my credit and these the credit bureaus have not helped much! In fact they have ben violating my rights under the FCRA! Below I attached all my attempts to fix this issue through letters! I am desperate to get credit lines so I can pass by these hard times! I am seeking help from the CFPB because I dont know what els to do! 

Please help!
Consumer complaint received 2019-07-15
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. (NC)

Experian and XXXX are reporting incorrectly a collection from XXXX XXXX, XXXX for {$3100.00} partial account number XXXX. ( Please see page 33 of the attached credit report. ) Attached is a copy of the Receipt from XXXX XXXX XXXX XXXX XXXX, showing a payment of {$1200.00} was received on XXXX2019. This payment reflects this account has been settled in full. I was assured that once I made this payment the reporting bureaus would delete these line items from my credit report. I have contacted the bureaus to fix this on my credit report, however I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report.
Consumer complaint received 2019-07-15
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. (AR)

XXXX Called and spoke with " XXXX '' and " XXXX XXXX and neither one of the resolved my issue. I asked them who did they contact at the court house to verify the bankruptcy. They told me they do not have to provide me with verification of who the contacted and who they spoke with to verify my information. 

I have contacted the court house and also provided letters to the credit bureau and they have failed to verify my information. 

file # XXXX Experian and XXXX have failed to provider proper documentation to give me as a resolution to my dispute.
Consumer complaint received 2019-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have 2 issues with Specialized Loan Serving. 
First, they are keeping me a payment behind for no reason. 
I have tried to work with them for months trying to solve this problem including sending them proof of payments. 
Second, they are raising my payment after doing a cost analysis on my escrow account and they are saying I am behind and want to raise my payment when nothing has changed to warrant it. I have asked for a copy of the analysis and can not get it.
Consumer complaint received 2019-07-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I have called Wakefield and Associates twice regarding this account and they can not find ANY information on it. I have provided my address and the last 4 of my social. They have put me on hold while checking other departments and still are unable to find anything on the debt. I have not lived in the city of the medical facility for several years and do not believe this is my debt. 
I noticed the debt when checking my credit report and noticing that my score had dropped by 24 points due to this being reported.
Consumer complaint received 2019-01-06
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. (PA)

This last response from XXXX XXXX XXXX Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with non-monetary relief Company 's Response We are sending the customer a letter advising that we previously sent requests for the inquiries to be updated ; however, to further assist, we reached out to Equifax on his behalf to confirm the inquiry update. We further advised to allow until XX/XX/XXXX for the update to occur. 
DESCRIPTION OF NON-MONETARY RELIEF Credit bureau inquiries changed from hard to soft
Consumer complaint received 2023-03-31
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: EQUIFAX, INC. (CA)

I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.
Consumer complaint received 2019-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (OH)

I have received numerous calls from Halsted Financial Services and when I ask what the call is in reference to, the call taker says it is about a past due debt. Then when I ask for what/whom the call taker asks for my telephone number and states that my number is not in the company 's database. I do not know how this is possible as I am calling from the very number the company called to reach me. I do not have any past due loan or credit accounts and certainly no accounts in collection with Halsted Financial Services. Additionally, when I ask to be removed from the company 's call list, the call taker says he or she can not remove my number because, again, it is not in the database Calls received : XXXX XXXX XXXX 
XXXX XXXX XXXX 
XXXX XXXX XXXX 
XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXX.
Consumer complaint received 2019-01-06
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. (MI)

On XX/XX/2018 I purchased a car. My credit has always been in the high 700 's and low 800 's but at the time I purchased the car my credit rating was XXXX. All of the reports on my credit history was accurate, I have about a 7 % utilization rate, 4.5 year old credit history and except for a payment my son missed years of perfect payments. My income stream has not changed so nothing accounts for the nearly 200 point reduction in my credit. When I called TransUnion I was told to contact the individual company that wrongfully reported credit, however, all of the credit reports were accurate. All of the factors that existed when I had a XXXX  credit rating are still there but my rating was XXXX. Please help.
Consumer complaint received 2021-08-18
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: EQUIFAX, INC. (MS)

XXXX XXXX XXXX - I already disputed this account and filed a complaint thru FTC last XX/XX/2021 and this account was removed from my credit reports. The said previously disputed account was XXXX XXXX XXXX and was deleted from my credit reports as a fraudulent account. However, when I got my monthly updated credit reports last XX/XX/2021, a new negative account appeared in my reports under the name of XXXX XXXX with the same account number XXXX. So the same XXXX account re-appeared in my reports. I want this to be removed as it is very illegal to add on removed fraud accounts. I have contacted them before to demand validation of the said account and have it closed but they give me the runaround every time and I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again.
Consumer complaint received 2019-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX I ordered a credit report from TransUnion for {$19.00}. I thought I was making a one-time purchase of a report, but was instead enrolled in an ongoing monitoring program charging me {$19.00} per month. Since XXXX, I have received several " update '' emails about changes to me credit report, but no bills, statements, or other indications that I had an ongoing subscription with TransUnion. I have therefore been paying {$19.00} per month from XX/XX/XXXX until today XX/XX/XXXX. I called TransUnion to dispute the charge. They refused to refund the ongoing charge, but agreed to terminate the subscription immediately. 

I believe the lack of regular notices about the recurring charge is an underhanded way to keep people inadvertently subscribed to the service.
Consumer complaint received 2019-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

In XXXX of 2019 I received 2 warrants in debt from Bank of America one stating that I owe them {$3500.00} on one credit card and another stating that I owe them {$3400.00} on another credit card. I filed an Identity Theft Report with the FTC and contacted Bank of America. After speaking with 5 different people at Bank of America they stated that they will investigate and I have heard nothing back. I contacted their attorneys and showed up for the first court date. I sent all documentation to Bank of America asking them to show proof that I opened these accounts and have not received anything back from them after 30 days. I sent the report to all credit reporting agencies and they have blocked it off my credit report.
Consumer complaint received 2018-11-12
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: Nelnet, Inc. (LA)

XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX/NELNET which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that XXXX XXXX XXXX/NELNET was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2019-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

As of XX/XX/2018, or mortgage was transferred from XXXX XXXX XXXX, to Shellpoint Mortgage Services. XXXX S.C.XXXX First of all, we where never informed of such a selling and subsequent transfer, of our mortgage to Shellpoint Mortgage Services . This took place sometime in XX/XX/2018. 
Second, ever since our mortgage was transferred, we have noticed many distressing problems, from ; receiving our payments on time. Also our Homeowners Insurance company XXXX XXXX XXXX, made contact with me via email and phone call, informing us Shellpoint had failed to make the homeowners insurance payments. These had to be made in XX/XX/2018. We had no other choice but to provide XXXX XXXX XXXX with our XXXX XXXX  Credit Card, and make payment, since it was already way past the allotted time, of payment for our homeowners insurance. Please notice we have these payment in escrow. Therefore there is no reason for Shellpoint not make  these payments on time..! 
I already have made contact with XXXX County homeowners Real Estate tax account, to make sure the county, has received their Real Estate Taxes on time. We are awaiting for their clarification at this time ...! 

Since Shellpoint has not kept up with properly servicing our Mortgage, I have requested many times, ever since XX/XX/2018 for clarification. Every time I would call, there was a very long time being on hold through their Customer Care phone number. 
When ever I was able to communicate with their staff, it was someone who had no authority to help with the situation and would take my phone number, to have someone call back with a solution. No one would take the time to call us back, at all. Since the problems just keep mounting, we have decided to file a complaint about this ongoing situation. We truly believe the only way to resolve these, and future issues, with Shellpoint, is to have our mortgage returned to the original mortgage service, through XXXX XXXX XXXX in XXXX, IL.
Consumer complaint received 2020-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

In response to your answer dated XX/XX/XXXX. You stated that USAA utilized Title 31 of the Code of Federal Regulations part 212 to determine how to handle my account. An the removal of funds from my account on XX/XX/XXXX. Ok so a few items that have brought questions after further review of that law. I have asked several times for a copy of the notice to garnish federal funds deposited that you state you were served, an have yet to receive it. There was also no mention of the letter dated XX/XX/XXXX from the Florida Department of Revenue releasing the funds in the garnishment order dated XX/XX/XXXX. Also when was the look back period into my account? According to the CFR title 31 212. It was supposed to happen within 2 days after receiving the order to garnish if it included a notice to garnish federal funds.
Consumer complaint received 2022-08-16
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I contacted these companies to request proof & they have provided no information. They are required to delete these damaging accounts until validated. I have requested validation and they have not produced it. Additionally, I am sending dispute letters to Experian requesting that they delete these erroenous accounts being reported on my File but have been doing nothing! Delete these now or I will take legal actions. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I try to get my credit report from any of the three major ones and they each give me esoteric errors that give me no real information about what is wrong and why they can't give me my report. Sometimes they just loop back to the login and log me out. 

I tried contacting them but it was nothing but holding actions to avoid engaging with me at all. I need help because apparently I'm a credit ghost. I'm XXXX XXXX XXXX, never held major debt and want to build my credit and I basically don't exist! 

Please help me!
Consumer complaint received 2021-08-18
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: EQUIFAX, INC. (NJ)

I have never conducted business with XXXX XXXX XXXX. They are reporting to all 3 Bureaus negative and inaccurate information. I do not have a contract with XXXX XXXX XXXX. They are in violation of my consumer rights.