davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-26
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. (FL)

Attempted to validate alledged debt with XXXX XXXX Acct # XXXX with all 3 bredit bureaus and they failed to provide the proper validation documents requested. On top of that the information on the report in regards to the alledged debt is very incorrect. 

I can point out the the ORIGINAL CREDITOR was XXXX XXXX and it also states that the account is in collections with a collections agency. If that is the case, under the guidelines, the balance reported should be {$0.00} ; which it is not on the credit reports ( a snip is attached for you to review ). 

Also, a validation letter came from a company called XXXX XXXX who claims they now own the alledged debt. Also in the letter they provided a copy of the bill which states the amount due is only {$1700.00} and on the credit report it is different along with the amount that shows on their validation letter. None of this information matches up and the line item needs to be taken off immediately. 

XXXX XXXX or XXXX is a third-party debt collection agency based in Florida. XXXX has received consumer complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ), including improper contact or sharing of information and threatening to take actions that can not legally be taken. 

As of XX/XX/2017, the XXXX XXXX XXXX reported 508 closed XXXX XXXX complaints over the previous few decades, including 231 closed complaints over the past 12 months. Nevertheless, the XXXX   provides XXXX an A+ rating. Additionally, XXXX lists 37 XXXX complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, eight alleging violations of the Fair Credit Reporting Act, and one alleging violations of the Telephone Consumer Protection Act.
Consumer complaint received 2020-10-13
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC (AZ)

on XX/XX/2020 a representative from Quicken Loans called me and tried to sell me a refinance package. He went on with his sales pitch and put me on hold to go check available packages for me ... He never asked if it was OK to run my credit and i never asked him to run my credit. Later that day my bank notified me that i had a hard hit credit check ... it was Quicken loans. Unethical! He also ordered a mortgage payoff notice for no reason ... .i had NO intention of refinancing because i intend on moving in about a year.
Consumer complaint received 2018-09-26
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. (IL)

This is not a duplicate. Please read below. According to the FCRA, negative information in my credit file is subjected to a thorough investigation. Again, this information has not been verified to be true. 

In a previous complaint I disputed account XXXX which was a XXXX XXXX account financed through XXXX XXXX. I apologize for getting the account information incorrect. This account was paid and settled as the manager adjusted the price for the furniture like I said in previous statements.

However, the problem is with the account XXXX with XXXX XXXX XXXX financed through XXXX XXXX. This information is completely incorrect. I have asked the 3 credit reporting agencies to look into this matter and re-investigate and they have not. For some reason they keep sending me a credit card statement in the mail, however, they have not been able to provide substantial evidence that these purchases were made by me. Where is the original invoice with the items listed? I have no idea what was even purchased. I have yet to be provided with any supporting documentation that shows my signature or a promise to pay agreement with XXXX or XXXX XXXX XXXX. It is very discerning that XXXX would be allowed to report incorrect information to the 3 reporting credit agencies and sell it to a collection agency. 

In 2017, XXXX actually investigated and found this account to be incorrect and deleted from my credit report. Attached you will find a letter supporting this. Moreover, XXXX has not removed this account from my report. I am truly distraught by this negative information and the impact it is having on my credit file.
Consumer complaint received 2018-09-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (TX)

I was contacted by XXXX with XXXX XXXX and XXXX on XX/XX/XXXX at XXXX CST. The number she called from is XXXX. She left a voicemail stating there was a civil matter that their client had turned over to them. I called back the number and no one answered, only a message stating that the XXXX XXXX person I was trying to reach was unavailable. This morning, XX/XX/XXXX at XXXX CST XXXX called and thanked me for calling back. She confirmed my name and last four of my social, then stated that she had to put me through to the firm 's Senior Partner because she did not have access to my file. I was on hold, then greeted by XXXX XXXX who stated he was with XXXX XXXX and XXXX. He went on to tell me that GE Capital was one of his clients and there were outstanding balances for XXXX XXXX XXXX and XXXXXXXX XXXX. He stated the balances for the two accounts totaled {$3400.00} which included fees and interest. He stated they could remove the fees and interest which would bring the total to {$2800.00} or if I was able to pay a lump sum he could bring it down to {$2100.00}. I advised that I had never had those accounts in my personal name, but in a company name that I used to own which was long ago so I asked him the date of the debts. He stated that XXXX XXXX XXXX was from XXXX to XXXX and went to non payment in XXXX and that the dates for XXXXXXXX XXXX was the same. I advised him that I had stepped away from the company in XXXX and it was no longer in business and I was not in a financial position to pay the debt, therefore if the company chose to take legal action to do so. He said he needed to make me aware of the options, and stated that I would be served. He asked if I wanted to update my current address for said lawsuit to be serviced and I stated " No, you all can find me ''. I then searched the statute of limitations for credit card debt and discovered that it is 4 years from the past due date for a company to sue a consumer for credit card debt. Mr. XXXX ( er )? misrepresented the law in this matter. Although he and XXXX were both polite, it isn't acceptable or legal to threaten a lawsuit for an 8 year old debt, therefore I feel he needs to be reminded of his limitations as a debt collector.
Consumer complaint received 2021-07-20
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. (GA)

The following accounts being reported on my consumer report are a result of identity theft. These items being on my report are affecting me tremendously and is holding me up in being able to provide things for my family. I have attached the FTC report.
Consumer complaint received 2019-11-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

On XX/XX/XXXX my wife received a call from XXXX XXXX XXXX advising that they were in the processes of bringing legal action against me for a debt from XXXX. They claim that the original creditor was HSBC and I owed {$650.00}. They also claim that the last payment made on this account was XX/XX/XXXX for {$200.00}, however I do not even recall applying for a credit card from HSBC. My wife asked them to provide a court filing # so that we can research and the representative told her that the litigation was pending. We have received calls from this company in the past and they had threated to sue me in court for said debt. My wife asked them to provide a copy of the payment history that they claim exists, however the representative stated she didn't have one in their records. I am frustrated with all the threatening phone calls. My wife requested more information be emailed to her and I attached the document they sent to her in this complaint. The address they have for me is over 10 years old so I have never received any correspondence from them. I wrote up a Debt Validation Letter that I am mailing out to their company today as well. I attached a copy of that for your records. The company name is XXXX XXXX XXXX ( Website - XXXX XXXX XXXX XXXX XXXX ) - Address : XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A collections agency recently put a collections item on my credit report from a service on a home that I sold over 3 years ago. I cancelled that service with that home when it was sold. While XXXX removed the incorrect collections action from XXXX XXXX out of Utah, Transunion has kept it on my report and thus impacting my Tier for a home mortgage. This has become almost impossible dealing with 3 separate credit reporting agencies. It seems you get an incorrect item removed from one and it shows up on another bureau. I am asking that action be taken with Transunion to remove this item from XXXX XXXX once and for all! 

XXXX XXXX
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have been trying to get Experian to remove an unverifiable bankruptcy. I have been trying to fix this for a year now. On XXXX, 2021, I sent another dispute. Experian said their third party vender XXXX verified the bankruptcy as accurate. On XX/XX/2021 in sent Experian a letter asking them for their method of verification. I also requested all information in my file that pertained to this unverifiable bankruptcy. Per 623 of the fair credit reporting act. They never sent it. I call XXXX and they said they never verified the bankruptcy. I also talked to the courts. They said they do not verify bankruptcies to credit bureaus. I sent Experian a copy of my dispute with XXXX and the results where this bankruptcy was deleted.
Consumer complaint received 2018-04-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo denied my refinance application saying that I was " too old and too sick ''. They gave me a denial letter saying that I was refused because of credit and too many inquiries, however, in person Wells Fargo told me that the underwriter would not put her name on my loan because I might die and it would come back to her. Multiple times during the application process, I was also questioned repeatedly about if I wanted to apply for a shorter term loan ( less than 30 years ) even after I made it clear that I wanted the lowest monthly payment possible. 

My loan officer had taken my loan application and felt confident that there would be no problems, but then left to go on family leave leaving my loan in the hands of the processing team and branch manager..

The processing team kept asking me for more and more documentation ( which I later found out was unnecessary ) and the whole process took about two months before I was finally denied. The processing manager summarized the reason for my denial by saying that I was " too old and too sick '' in the eyes of the underwriter.

I have made a written request of Wells Fargo to provide me with a " disclosure of the nature of this information '' regarding its credit decision which was supposedly in accord with information provided to Wells Fargo in a XXXX  Credit Report and pulled through XXXX. This request was made in accordance of the Fair Credit Reporting Act and in connection with Wells Fargo 's " Notice of Action Taken and Statement of Reasons ''. 

To date, I have not received this information from Wells Fargo and I am now requesting it again through CFPB in hopes that they will respond. 

Also, Wells Fargo took money from me for an appraisal. They took this money had the appraisal done and then discriminated against me. I want the appraisal fee to be refunded to me immediately. 

Also, I want Wells Fargo to look into its underwriting and lending practices. I want to know why the Wells Fargo underwriter and processing team did this to me when it is against the law. 

To be clear : I applied for a loan with another institution immediately after Wells Fargo denied me and closed on that loan in 19 days. I had was and am a viable borrower/applicant. In fact, I qualified for a higher loan amount and received a conforming A paper mortgage.
Consumer complaint received 2023-01-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (TX)

To whom it May Concern, I XXXX XXXX XXXX Has Not Been Able To Retrieve Not One Cent of My Money, Not Even with My debit Pre-Paid Card or Any Debit Card, and My Rewards Cards As Well, in XXXX, My Identity was Compromised misused caused by Identity -Theft XXXX XXXX Crimes, Dark Web, and as Well as. Company 's, Businesses, Groups, Teams, So Called Friends, Family 's, and Etc. 
I never Not Once Gave No Authorization for No One to Act On My Behalf, I do not Like doing Nothing Online, I like Doing All My Banking In Person Only! 
The Fact These Thieves Closed My WellsFargo Account in XXXX around XX/XX/XXXX As Well As My XXXX XXXX, date : XXXX XX/XX/XXXX ), That The IRS XXXX Provided Me To Get A XXXX XXXX Account, as of Today I'm Not Able To Withdrawal Not One Cent of My Money, also I know I'm Entitled To WellsFargo Wrong Doing, Where someone transfered My Money Out Of My Account, matter of Fact I work as A XXXX, Playing XXXX XXXXXXXX XXXX Games as Gig-Jobs the Fact I've been a XXXX for Literally 26 Yrs.

I Invested Every Single Dollar not ever Thinking That I Would Have For the Rest of My Life!

But Now I Don't and I'm In Need of Getting Some of My Money Back, the Fact I have To Live as Well as Anyone on this Earth, I have More Bank Accounts, as well As XXXX XXXX Account, XXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX also Just to make this Clear I'm Not From California, Never Have Been and Never Will Be from California, I was Born in The USA XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX And Current Bank Account Online, XXXX XXXX XXXX XXXX  Account, XXXX XXXX XXXX and A Whole Lot More! 
To Whom It May Concern as well as My XXXX Accounts, XXXX Accounts, XXXX XXXX Accounts, XXXX Wallet Accounts, XXXX XXXX Accounts, XXXX XXXX Accounts, XXXX Accounts, XXXX Account, XXXX Accounts, all My XXXX all XXXX XXXX XXXX, My Bank Accounts, Internationally Also I Live in XXXX XXXX XXXXXXXX And My Cellphone number is : XXXX XXXX Also I Know I Was A Consumer who hasn't Received Not One Cent From wells Fargo Online Banking and In-Person Thankyou!

Have A Great Evening!

God Bless.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MI)

On XX/XX/XXXX, I called to make my monthly payment to Wells Fargo Bank for my XXXX XXXX account which was due on XX/XX/XXXX. I had missed a payment in XXXX due to COVID19 however I was prepared to offer a blanket payment to catch up. The gentleman on the phone offered me a pandemic deferral on my account as I was suffering financial hardship. We agreed to the deferral, he refunded my XXXX late fee and told me that they would report my accounts as current/paid as agreed and I could make payments when I could. The deferral period would end on XX/XX/XXXX. On XX/XX/XXXX, Wells Fargo listed my account in XXXX and XXXX as thirty days late and closed my accounts for non payment. I didn't notice this until XX/XX/XXXX when I reached out to Wells Fargo, paid my past due ( even though I was in deferral ) and waited. On XX/XX/XXXX, I was marked late again by Wells Fargo even though I was in deferral and had made a payment. Effectively ruining my credit, through a program they offered. I spoke to a two young ladies who verbally agreed that what I was saying was correct, but that they could only dispute with the credit reporting agency and to see if there was any discrepancies on their side, which there wont be as Wells Fargo is reporting the wrong information to the credit bureaus.
Consumer complaint received 2023-01-09
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. (PA)

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 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 2023-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX and TransUnion credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the following accounts. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 


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 2020-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My husband used our online billing with our bank XXXX XXXX XXXX XXXX to pay my credit card bill. He accidently paid the wrong credit card - he paid {$5100.00} on XX/XX/XXXX to my CLOSED Bank of America credit card. The card was closed in XXXX. The bank accepted payment. I quickly called the bank to have the money transferred back to my bank account. I have a Service # XXXX ( phone XXXX ). It is now XX/XX/XXXX and I still haven't received my money back. I call the bank multiple times a week and they keep telling me " an additional 1-3 days ''. I received a letter dated XXXX saying the transfer is complete with a Claim # on the letter of XXXX. As of XX/XX/XXXX, my bank still has not received my money nor is there a pending transfer. 

Why would Bank of America accept this payment to a CLOSED account? Why not reject it? What is taking so long to return my money? 

They need to pay me interest and be fined for failing to return my money promptly.
Consumer complaint received 2020-07-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Risecredit, LLC (TX)

Due to COVID 19 I am not receiving a paycheck and my account is currently overdrawn. I have explained this to them however they will not offer any assistance and have reported me to the credit bureaus. They continue to try withdrawing different payment amounts. The last one that was returned to them from my bank was {$56.00}. I would like for them to help me since this is a hardship situation and also remove the report to the credit bureaus.
Consumer complaint received 2018-04-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

I have old negative accounts on my report that were supposed to be removed. I am unable to successfully submit a dispute for these errors, even thought XXXX has fixed the issue. See attached proof with account info.
Consumer complaint received 2017-11-02
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)

I 've been trying to get this matter straight with XXXX XXXX XXXX on a utility bill that 's not mine. I requested proof that was mine, it is just a computer printout, my signature is not the invoice and the name is not how I use it. According to the fair credit reporting act, which I 've been researching it should n't be on my credit report. I 'm just tired of this company trying to take advantage of me, and TransUnion knows the laws and allows this illegal activity to continue
Consumer complaint received 2023-01-09
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: JPMORGAN CHASE & CO. (NJ)

XXXX and XXXX credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the following accounts. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB - CARD SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX