davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XXXX XXXX XXXX : 1. Failed to process SCRA requests multiple times 2. Stopped sending statements to my address 3. Denied access to online accounts ( locked account ) 4. Charged off account
Consumer complaint received 2020-07-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CT)

I am a 12 year client of Wells Fargo with a first and second mortgage with an impeccable payment record I applied online to refinance my first and second mortgage in XX/XX/XXXX. Wells Fargo sold their 1st mortgage to XXXX in XXXX and never provide a notice. In XX/XX/XXXX they sold the loan servicing to XXXX XXXX XXXX. Regrettably my loan showed up twice on my credit bureau reports since Wells Fargo did not delete their mortgage in a timely manner. I know this because XXXX XXXX pulled the same credit report and the score was XXXX two weeks before Wells Fargo. This negligence delayed the application and Wells Fargo has not addressed the issue. More importantly I moved forward because rates were dropping and I wanted to take advantage of the market. When the mortgage markets froze up due to the virus and Government shutdown of the economy Wells Fargo did not act in good faith. It became apparent to me that Wells Fargo is not a mortgage lender but simply a mortgage broker. When the ability to syndicate the refinancing was not available they delayed the process. There was no disclosure, multiple violations of regulations and Law. I just found out after multiple requests for information about my application they totally ignored my deferred compensation in their underwriting. This omission is either gross negligence and willful misconduct, dishonesty and negotiating in bad faith. It has become apparent that Wells Fargo has done little if anything to improve their reputation after their scandalous behavior and resulting material fines.
Consumer complaint received 2019-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I started disputing the collection account with IQ Data on  XX/XX/2019 with each credit bureau. I asked them to make sure that everything was reporting correctly for this account or to delete it if they couldn't validate this account. Each credit bureau responded saying that everything was reporting correctly. I then sent a letter out to each credit bureau on XX/XX/2019 advising them that they did not verify this account  thoroughly because the open date was reporting incorrectly on each bureau and that there was no way this same account was able to be opened on 3 different days, the account number was reporting differently on each bureau than what the collection agency had, the amount owed showed something different than what the original credit and the collection agency advised it was. I asked for this account to be deleted from my credit report because it was inaccurate and also because it violated my consumer rights under the FCRA, to this day this information is still inaccurate and the account is still on my credit report which again is a violation of my rights. FCRA states that any information on a consumer credit report must be accurate or it must be deleted from the credit report.
Consumer complaint received 2019-06-01
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)

Hello and Good Evening, I was advised to reach out to you all about some things on my credit that is not mine. I went to cosign for my mom on a car and my mom and I was denied because of me. There are some things on my credit that is not mine and that needs to be taken off. I've contacted the FTC regarding this and also the police. I'm doing this on my own. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX.
Consumer complaint received 2023-07-30
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: AMERICAN EXPRESS COMPANY (MN)

These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, AMERICAN EXPRESS Inquiry : XX/XX/2023, XXXX XXXX : XX/XX/2023, XXXX XXXX Reported : XX/XX/2023, XXXX XXXX XXXX Reported XX/XX/2023, XXXX XXXX XXXX Reported : XX/XX/2023. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

During the months of XXXX, XXXX, and XXXX oXXXX XXXX I requested XXXX to place a security freeze on my account. 

On or about XX/XX/2020, the credit bureaus notified me that the inaccurate information being reported in my files were validated by XXXX. 

XXXX continues to furnish inaccurate information to XXXX XXXX  and Transunion. 

In XX/XX/2020, I called XXXX and a senior rep advised me that they have no file matching my personal information I provided. When I hold them what the bureaus said, I was advised that all XXXX does is provide a data load file to these bureaus and the bureaus are the ones incorrectly matching accounts. 

XXXX claims to also have no relationship with the bureaus even after admitting they send a file monthly to them. 

The three bureaus further communicated with me that they went directly to the federal bankruptcy courts to verify and validate the reported items. 

In XXXX I contacted the federal courts bad the clerk advised that the fourths do not verify or validate any personal information with XXXX or the bureaus. 

At this point someone is lying and furnishing inaccurate information.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue XXXX  action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion XXXX  breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-07-20
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. (IL)

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Consumer complaint received 2019-06-01
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)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX SEC # XXXX DOB XX/XX/XXXX
Consumer complaint received 2015-09-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NY)

On XXXX 2011 my wife and I sold our Florida apartment through a short sale with the XXXX. Although this was clearly a short sale, this transaction was reported to the credit bureaus by this Bank ( XXXX ) as a foreclosures. I 'm still paying the note to the bank for the difference of the sale price and the original mortgage note amount due. 
Ever since then my credit has been compromised and ruined because of this false reporting by this bank. Every time the need for a loan or any other credit check is needed on my behalf this foreclosure pops up scaring lenders away. This has been appalling, has been a disaster and continues to be a disaster.
Consumer complaint received 2020-08-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services (CA)

This is New Case since case # XXXX was prematurely closed before arrival of supporting documents ( now available as attachment on that case ) I try to upload same documents here but file is too big???? 
big for new claim? Ok for closed? 

This is my Original Complaint /Demand sent to XXXX  XX/XX/XXXX Their Action is Bias, Unfair and allegedly NOT LEGAL Based on??? 

Refusal of communication via email in this Era ( XXXX XXXX   ) with explanation -protecting sensitive data is MADE UP STORY! 


ORIGINAL COMPLAINT / DEMAND lease # XXXX ... XXXX Hi there, this is 3- rd part of e-mail tread with customer that want to take over lease of my car on XX/XX/XXXX. 

Since that day I was trying numerous times to start process but I was repeatedly told by your rep. XXXX that you guys stop doing transfers on XX/XX/XXXX due to COVID 19 situation. 

That is totally understandable if was case for EVERYONE, But is NOT! 

here are the last 8 digit VIN 's of some of the cars that transfer process started After my initial attempt and refusal on XX/XX/XXXX : XXXX XXXX XXXX XXXX AS WELL AS UNLISTED VIN OF THE XXXX XXXX  XXXX. UNDER SALE ID # XXXX on XXXX. 

3 of those above mentioned cars have listing date after XX/XX/XXXX so it was NOT possible to as you claim that " TRANSFER STARTED BEFORE XX/XX/XXXX "! 

I'm not going to speculate here of possible collusion between you and XXXX but 2 of my prospective buyers before Mr. XXXX miraculously, after initial interest expressed and transfer process started, got contacted by new car dealer and purchased new cars. 

But I'm sure that I'm not isolated case, there is 1300 + listings there ... .. 

I was continually told things that are not truth including but not limited to that '' DMV 's  are not processing registration '' ... ... ... .. 

We contacted DMV 's in California, Texas and Massachusetts and get information that in fact they do. 




Long story short : I lost customer because of your bias action! 

I lost {$5000.00} that customer was willing to pay! 

I lost {$500.00} XXXX XXXX gift card that customer was offering me as token of appreciation ( please read all email treads! ) and on the end instead paying only one more month ( XXXX XXXX-XXXX XXXX ) I now own you 3 deferred payments and continuous payments afterwards. 

If car was transferred to Massachusetts license plates -credit of at least 90 % off of {$950.00} ( paid before XX/XX/XXXX ) was to be refunded to me upon registration of the car in different state! 




I want you to pay me {$6400.00} in damages. 

3 deferred payments forgotten. 




All above mention is recorded and verifiable. 




Thank you, XXXX XXXX
Consumer complaint received 2022-09-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

I filed a dispute on XX/XX/2022 with Paypal for transaction ( ID XXXX ) from a Paypal account linked to email ( XXXX ) in the amount of XXXX ( XXXX in USD ) to a Paypal account under name : XXXX XXXX XXXX my XXXX son made a transaction that I did not authorize to a fraudulent offer on the internet. When my son did not get what he wanted to purchase, he reached me and I filed a claim with Paypal, worned an account under XXXX XXXX holder that he is not my family member of a friend, he scammed a child and if he will not return the amount I will continue to ask authorities to run the investigation. After 7 days of waiting from Paypal I got a denial email that a transfer was authorized. 

What should I do and whom should I contact further on? 

It is a fraudulent activity of a Paypal account user, and I did not authorize this purchase. 

Paypal representative, who issued a denial letter, can not speak for me ( if I authorized it or not ). Thus, this person was not properly trained to identify fraudulent and unauthorized activity on the account. 

I do not have anyone in XXXX and never sent any money to XXXX previously to this fraudulent person previously. 
In this case I consider Paypal supporting scammers and fraudulent account users in XXXX who target kids on XXXX  platform to scam their parents ' PayPal accounts. 
I want to escalate this case to an official investigation on PayPal financial services to a manager level for : 1.Review and close scammers ' accounts that are targeting children ; 2. Act in a proper timeframe for report of scammers 3. Refund the amount I was asking. 
Kind regards, XXXX XXXX XXXX
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (AL)

I was never late on this paid off account please show me documentation showing proof of transactions showing where I was ever late to support youe inaccurate reporting on my account.if you can not supply this please delete alleged late payments from my credit report per 15 usc1666B a creator may not treat a payment on a credit card as a open ended consumer report plan.
Consumer complaint received 2021-04-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

We just refinanced and NewRez LLC has taken over our loan. They have not paid our property taxes that were due XX/XX/XXXX. It is now XX/XX/XXXX! 

It took 3 times to call them for them to even figure out they should be the ones to pay the taxes!! I have had to call 6 times and talk 2 two different supervisors while being on 45 minute holds or told a supervisor isn't available. My property is being put up for a tax sale and the taxes are due on the XXXX. They knew this urgency and sent the money via USPS without tracking, instead of XXXX overnight. I have been told i would get confirmation they sent the payment. They see it in the notes and I was not notified. They just sent the check on the XXXX and my county has not received it. I ask for them to cancel the check and resend overnight via XXXX and they said they can't until the XXXX, which is when the payment is due.
Consumer complaint received 2022-09-13
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: Paramount Recovery Systems, L.P. (MO)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

reinvestigate please. 
It has been brought to my attention that XXXX XXXX has listed NON-SUFFICIENT FUNDS on my ChexSystems file. To my knowledge, I have never had Checking Account with XXXX XXXX. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. To my knowledge, I have never had negative listing with XXXX XXXX. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from XXXX XXXX including copies of any documentation associated with this negative listing which bears my signature. In the absence of such documentation, I request that this negative listing be permanently removed from my ChexSystems report.

This Notice is to confirm that your claim is disputed under 15 USC 1692 et seq. Please verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration or material alterations, and that the original lender provided value. Further, that the alleged account was transferred in good faith and by the consent of all parties involved.
Consumer complaint received 2018-06-27
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FIRST HORIZON BANK (GA)

I have a loan with FTB/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and FTB/XXXX with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.
Consumer complaint received 2020-08-20
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. (AZ)

I have submitted complaints through Experian directly, and through you. through you to be exact. The problem is not getting fixed, either you are ignoring the issue or you are allowing them to record improper information with no respect for the FCRA and how it is written. I need to take this to the next level. If you can not deal with this, I will force someone to. At this point they have caused damage to me financially, and personally. It You, the CFPB are nothing more than passing the info oi give you to them, I can do that on my own. What is your purpose? Aren't you supposed to hold them accountable? I find that you are nothing more than a relay service that people think is doing something but really is not. So, for the sixth time, and final time, after this if it is not resolved I file suit. Experian is reporting balances and terms for items discharged in bankruptcy, specifically XXXX XXXX ( 2 ) XXXX XXXX  ( 2 ) and XXXX XXXX ( 1 ) the state they are following FCRA but they are not. They are contacting the Creditor, they should not. It was discharged in bankruptcy on XX/XX/XXXX. the bal should display paid in full, original amtXXXX XXXX, terms XXXX, it should show nothing, not charged off, nothing but discharged in bankruptcy. period. In addition, XXXX XXXX  is attempting to reopen a charged off account by adding payments due monthly since XXXX! this is against the law, I do not dispute their right to collect the original amount, however to keep it as a current account adding monthly payments to the total of a charged off account is unlawful. I do not believe they are checking this because the reports they state they are using backdate in some respects to XX/XX/XXXX. Now, with this in mind, I feel they should remove these accounts. they have had 6 opportunities to do it correctly, 4 through you. All they say to me is that it meets FCRA standards, which it does not. They actually sent me a 3x4 post card with nothing but their address and a copy of the FCRA on it saying they do not have to tell me anything at all. This is a total lack of respect for the law, and a slap in the face to you, the CFPB. If you do not reel them in and fix this, I will file suit by the mid of next week. I will not continue with such a poorly monitored credit bureau and if you continue to allow this, then your just as poor and require looking into as well.
Consumer complaint received 2019-06-01
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. (GA)

Hello and Good Evening, I was advised to reach out to you all about some things on my credit that is not mine. I went to cosign for my mom on a car and my mom and I was denied because of me. There are some things on my credit that is not mine and that needs to be taken off. I've contacted the FTC regarding this and also the police. I'm doing this on my own. XXXX XXXX XXXX XXXX XXXX, XXXX, US DEP ED.