davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-05
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. (MI)

In accordance with the Fair Credit Reporting act XXXX, Equifax and XXXX, has violated my consumer 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-03-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2022-02-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

hi im just making a follow-up on the dispute letter that I sent on XX/XX/2021. its been over 3 months now, I thought I would get a response from your company after 30 to 45 days but it seems like you didn't take it seriously or something. Please reinvestigate the information listed on that letter and remove the negative items, I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted.
Consumer complaint received 2024-01-25
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. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2022-09-05
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. (MI)

In accordance with the Fair Credit Reporting act Transunion, XXXX and XXXX, has violated my consumer 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2016-09-28
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

My complaint is about a Home Equity Line of Credit that I have had with Wells Fargo for about two years. On multiple occasions ( at least 10 ), I have made principal only payments in one form or another and Wells Fargo consistently pre-empts the regularly scheduled " auto pay '' feature I set up to pay the minimum amount due and applies my payment to that minimum and then applies any additional amount to the NEXT month 's payment. When I call to get it fixed, they always apologize and change things around for me but in effect I am losing the benefit of those principal payments because the new minimum amount due and interest charge has been applied to a larger principal amount than it would have been if things had gone the way I had originally intended. The customer service people are always very nice about it all and assure me that if I let the auto-pay come out first ( it is due on the XXXX or XXXX of each month ) and then make the principal payment before the closing date ( usually between the XXXX and the XXXX of each month ), it will go the way I want. You can see that it is a short window that I have to do this maneuvering. Last month I did just that, waited for the auto pay to go through on the XXXX, walked into a branch and made a " principal only '' payment on the XXXX. Then on the XXXX when my new statement came out, it looked as though they had applied my principal payment partially toward the next month 's regular payment! I called and they " fixed '' it, but again, the new principal balance had been calculated without the benefit of my full principal payment. Since this is a variable rate loan, and part of my loan is a fixed rate portion, it is next to impossible for me to calculate the additional interest that I have been charged over the past two years due to these " mistakes '', but I know that it is not in my interest to " pre-pay '' my next month 's regular bill instead of paying down principal.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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 take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-03-28
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. (TX)

XX/XX/XXXX To Whom It May Concern My name is XXXX XXXX. I am writing concerning the account placed on my credit file by XXXX XXXX. I have fought vigorously in XXXX for this account to be removed from my credit file. Today, I called the county court here in XXXX XXXX  to inquiry about the pending active suit against me filed by XXXX XXXX several years ago via their law firm, XXXX XXXX XXXX. The case number is XXXX. I spoke with clerk XXXX XXXX and she state that XXXX XXXX sent notice in XXXX of XXXX of a non-suit and order dismissing all claims against me with prejudice. But the law firm failed to attach the order for the court to actually dismiss the case. XXXX XXXX has reached out to the law firm many times to send the order to no avail. Meanwhile, the account is still reporting active and passed due on my credit file as it has done for years. I recently was denied a home loan due to this debt and denied credit with XXXX XXXX. Please send order to court to dismiss case and to all credit reporting agencies to remove from my credit file. Attached proof of documentation from court concerning XXXX XXXX and XXXX XXXX. 


XXXX XXXX
Consumer complaint received 2016-10-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

My husband and I are XXXX and receiving Social Security. In XXXX I lost my part-time job and my husband became XXXX. We were not able to pay our property tax for 1 1/2 year. {$1100.00} in XXXX and {$2200.00} in XXXX. I went to Tax Assessor Office so we can defer our payments ( See attachment : Deferral Affidavit ) and was approved. My husband and I planned to pay-off the car ( which is almost done ) first, then we can proceed with the property tax. I received a call from Wells Fargo Mortgage XXXX XXXX, XXXX informing us that WF Mortgage paid our property tax and immediately repay them for {$1000.00} per month that is including our mortgage of $ XXXX ; therefore the {$410.00} goes to the property tax they paid. The {$410.00} will be paid for 24 months as told by WF Mortgage ; this will total to {$9900.00} in 24 months which will inflate to 200 %. I told WF Mortgage that we can not afford it and importantly, we were approved by the Tax Assessor Office of deferral payment. I also informed WF Mortgage that there was no agreement to pay them escrow ( See attachment : Loan Payment Information ). Paying them this amount monthly will cause us to lose our retirement house and will result to severe hardship.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Google Compare Credit Cards Inc. (FL)

I used a google gmail account for many years and it was saved on my phone. However upon a new phone update it now has locked me out of this account. I have tried resetting it but a technical glitch is preventing it from unlocking. It sends me the codes to enter but then requires I click a link in the aforementioned locked out email to complete the unlock request. This technical glitch is a redundancy error on googles end with no redemy. They do not have phone support to unlock email the site says and nobody to contact. I spoke with a judge and attorneys who pointed out google is legally required to produce the contents or a work around. This is because the information within the account is needed for court. Please provide me the records subpoena request instructions that your company has. Please also initiate this process. I can provide all the proper identification necessary as far as physical ideas. What is needed to subpoena the contents and unlock this email? Is there a work around? I have several disputes needing these email exchanges for court. Please assist. The email is : XXXX that needs this.
Consumer complaint received 2016-09-28
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (GA)

False accounts and false accusations of fraud resulting in the closing of my checking and savings and credit card and a negative XXXX balance never asked for a savings account with them in which Is the account they flagged for fraudulent activities now I fear my name will go into checks system and im out XXXX dollars.
Consumer complaint received 2022-02-11
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. (ME)

Issue XXXX. XXXX XXXX mortgage reported XX/XX/XXXX payment as late. Covid 19 Forebearace plan on this mortgage started XX/XX/XXXX and lasted for XXXX months, so XX/XX/XXXX was during the forbearance period and should NOT be reported as a late payment. 

Issue XXXX. I paid the requested mortgage sum amount as personally directed by XXXX XXXX upon completing XXXX months of forbearance and it sat in the XXXX XXXX  account, labeled by XXXX XXXX as " unassigned funds '', which prompted late fees charged to me and an additional error on my credit report for late payment. 

XXXX XXXX has since reviewed my payment history and removed all " late fees '', but they have not updated my credit report and my co-borrower 's / XXXX XXXX credit report. When I called XXXX XXXX on XX/XX/XXXX about these XXXX credit report mistakes, they told me to write to the credit report agencies. 

Please accept this as my written request for an investigation and correction of the XXXX error reports on our mortgage account credit history. 

Thank you!
Consumer complaint received 2017-03-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NJ)

A trust was established upon the XXXX of my grandmother XXXX years ago naming a local XXXX Bank as executor. After many changes in bank ownership, the account is now held at Wells Fargo. It has been indifferently managed for most of this time and the fees now outstrip the income provided by the small gains. They have decline my request to step down from their management role. The bank charges large fees at every opportunity, for tax reporting, for management fees, again for mutual fund fees ( bank managed mutual funds ). It is being managed in service to the bank 's interest, not the family 's. Eventually the trust will have been depleted at which time I assume the bank will happily relinquish their control. I would like to stop this eventuality.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act Auto Loan Account starting in XXXX has violated my rights 15 U.S.C. 1681 Section 602 A. States i have the right to privacy.

15 U.S.C. 1581 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2015-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (AK)

I Have opened multiple credit disputes with Equifax # XXXX, XXXX and XXXX and others for the creditor XXXX XXXX for charges {$5200.00}. Items have been reported under the credit collection names XXXX, XXXX XXXX XXXX XXXX and most recently XXXX. 
I am currently making payments thru XXXX in, XXXX XXXX XXXX XXXX, XXXX, WI XXXX account # XXXX phone XXXX XXXX ext XXXX. I have asked for an itemized statement from XXXX XXXX XXXX who refuse to give information saying that they only have collection orders for specific amounts which gives me no way to dispute the charges or to know if these charges are from XXXX XXXX, doctors, clinics or services rendered on the day I received service thru their emergency room or what the real balance is that I do owe. Therefore I have made payments according to items reflected on my Equifax Credit report. which has changed multiple times based on information that XXXX, state collection and XXXX is providing them yet not me. 
I have receipts of payments I made for {$590.00}, {$390.00}, {$340.00}. {$250.00}, {$90.00}, {$52.00}. In the last 2 months my balance on Equifax for state wide coll has changed from {$390.00}, to {$300.00} and most recently now {$330.00} and have advised XXXX I will not send any additional payments until I get something in writing that this is my final payment and instead XXXX XXXX charges are now added on instead. Also they refuse to remove items on my credit report as payments are made, I have to open a dispute with Equifax after each payment which takes 30 days for updates to my credit file with Equifax. even though I have made them aware of this practice. When I began making payments to XXXX XXXX XXXX, also collector for XXXX, under the name XXXX, I made payment according to what was reflected on my credit, yet XXXX advised Equifax of additional charges saying that balance Equifax reported on my report was wrong and the balance was then adjusted and Equifax allowed then to add more charges. Most recently, Equifax as of XXXX has allowed XXXX to report the same {$5200.00} for XXXX XXXX, XXXX lump sum, again. They also added the tag charges disputed by consumer? I had no knowledge of who XXXX XXXX was until I checked my credit report on XXXX XXXX. I have also disputed the charges for XXXX XXXX with XXXX under the name of XXXX and XXXX and XXXX removed these charges because XXXX can not prove the charges nor able to itemize charges for this total amount.
Consumer complaint received 2024-01-25
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. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2017-03-01
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY (TX)

This company made inquiries to my credit report. I did not authorized the dealership to contact this company for credit approval. in many cases the dealership was told in writing not to do so. 

These companies were sent letters disputing the inquiries and told me to contact dealer. I disputed with credit reporting company and they told me to contact the credit company who requested my credit report. 

Either way this company should not have pulled my credit report and have over XXXX inquires on all XXXX credit reports. 

I want their inquires removed. 

SSN : : XXXX DOB : XX/XX/XXXX
Consumer complaint received 2017-02-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I requested XXXX statements for XXXX separate loans for the years XXXX and XXXX from Wells Fargo in writing on XXXX XXXX, XXXX. Since that time, I have received letters stating that I have no XXXX for those time periods. I know this to be false because I actually have XXXX XXXX for XXXX. They also told me it would take until XXXX XXXX, XXXX to complete my request. That date was later revised to XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. This delay is causing me great harm in that it is preventing me from completing my loan modification request since I can not complete my taxes. Likewise, I am receiving notices from the IRS claiming that you have reported this income to them and that I owe $ XXXX to which I am unable to respond due to the bank 's failure to respond to my request.
Consumer complaint received 2016-09-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

SPS still has yet to respond to my Qualified Written RESPA Request sent via Certified Mail. In their recent response to me via the CFPB they claim that they sent the note and deed of trust. 
The PDF file contains a SECURITY INSTRUMENT signed by XXXX XXXX on XXXX/XXXX/XXXX related to XXXX XXXX XXXX XXXXXXXX XXXX. They lied again. Where is MY monetary instrument. 
Why did SPS attempt to collect payments and pursue foreclosure when XXXX clearly shows that pon XXXX/XXXX/XXXX the note was transferred to XXXX XXXX XXXX? 

XXXX Note XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX, XXXX XXXX Note XXXX Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX, XXXX
Consumer complaint received 2016-12-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (FL)

I had been in talks, both over the phone and through email, with XXXX XXXX from Quicken Loans. XXXX pulled my credit without my permission or without permissible purpose. I spoke with several people in the chain of command and eventually I received an email stating that they did in fact pull my credit without permission or permissible purpose.
Consumer complaint received 2022-09-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (OH)

on XX/XX/2022 I bought a gas grill from Lowes XXXX XXXX Ohio store and worked with the store Mgr. named XXXX. The grill was assembled by Lowes and I charged this purchase on my Lowes credit card by Synchrony Credit Card ending in # XXXX. Lowes delivered the gas grill at our home on XX/XX/XXXX. The assembly was defective since the front door on the grill does not stay closed and swings open and cut my leg on the sharp edge of the door. We called and talked with XXXX Store Mgr on XX/XX/XXXX and he would send someone out to fix the defective door. No one showed up for the appt. We called and talked with XXXX again on XX/XX/XXXX and he told us he would send someone out to pick up the grill and send us a replacement the week after XX/XX/XXXX. No one showed up again. We called and talked with the Lowes credit card person the first week of XXXX but the credit card company refused to allow us to file a Dispute per Regulation Z of the Fair Credit Act. We called again on XX/XX/XXXX to Lowes credit card and the Dispute person did take our Dispute and told us we would get a letter confirming our credit card dispute within one week from them and they would pass the dispute onto Lowes the merchant. We never have recieved the Dispute letter or had Lowes replace our defective gas grill. Clearly Lowes and Synchrony Credit Card do not adhere to the Fair Credit Act and purposely lie to consumers about their credit card purchase Dispute process. We want the credit on our card processed immediately by Lowes and GE Capital Bank or a new gas grill.
Consumer complaint received 2022-02-11
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. (NC)

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!
Consumer complaint received 2022-02-11
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. (NC)

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!