davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

TRANSUNION did not respond to disputed items on my credit report within the legally allowed 45 days. I submitted a complaint, they said they were still working on it, then they said they mailed it out XX/XX/14. I RECEIVED NOTHING, also no updated to credit report showing they looked into it. 

This action is against the law, they have 45 days.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Santander Consumer USA Holdings Inc. (MD)

XXXX car dealership had me to sign a document that what I was told it for. I was told that the form was to be take the car off the lot. The sale person found out I was a XXXX and kept talking to ne getting me distracted. He also said he had to take my driver license and take picture to take car off lot. I did what I was asked to and now I suffered..
Consumer complaint received 2023-01-11
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: PNC Bank N.A. (IL)

XXXX XXXX  Hey I am authorizing a complaint on my behalf I cant believe you guys are taking advantage of me I am very upset the credit bureaus have not responded to me about my investigation I sent a letter/dispute I need these accounts deleted & updated these are the items I demand to be deleted. 

I demand these accounts be deleted immediately from my credit profile if not I will file for monetary damages because you are in violation of my rights of privacy. US code 15 USC 1681n. Unauthorized inquiries
Consumer complaint received 2018-10-09
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: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX, a letter I sent to Well Fargo Office of The President was received at their office. In the letter, I requested pertinent information pertaining to an account Wells Fargo is Inaccurately reporting on my credit Report. In the letter I specifically wrote " ... you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system. '' The purpose of the letter was to dispute an account that is inaccurately reporting on all three credit reports. 

On XX/XX/2018, I received a voicemail on my phone from XXXX XXXX, DS Executive Resolution Specialist from Wells Fargo Auto. She called me from ( XXXX ) XXXX extension XXXX. Her call was unacceptable and violated my rights under the Fair Debt Collections Practice Act. This call left me feeling confused and she disregarded my personal request written in the dispute letter received by her office on XX/XX/XXXX. The documents that she sent as proof does not match my legal and correct name and violates the UCC 9-506 ( b ). EFFECT OF ERRORS OR OMISSIONS. I demand that this account be deleted immediately off of all three credit reporting agencies.
Consumer complaint received 2018-10-09
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. (MD)

Couple different items occurred with XXXX XXXX XXXX. They acquired the loan after a permanent modification and failed to notify me @ the address on file. I had to seek them out based on data from the prior lender when payments were returned. Despite my efforts they marked the first mortgage payment as late despite my proactive efforts. This has a material impact on my credit score and they refuse to address this. This is the only late payment on this or any other account on my credit report. 

Secondarily, after repeated attempts they continue to send pertinent mail to the property address. 1098s and things like changes to escrow.

Thirdly, they had a 3rd part review the flood insurance on the property. I, within the time allotted procured flood insurance from a national carrier @ $ XXXX/year. Further I followed their process, uploaded the binder and assumed the issue was ended. Instead they are providing flood insurance @ $ XXXX/year and claim to have not received the binder. Customer service rep XXXX on XX/XX/XXXX confirmed the document had been received and I've been billed in error. 

Fourthly, the password reset routine on their website has been dysfunctional for at least 3 days. Requiring me to call to get a reset to access the latest data. 

It looks a lot like XXXX XXXX XXXX is in the business of making it difficult for folks to pay the mortgage as agreed and have a larger interest in generating fees and challenges for the mortgagee.
Consumer complaint received 2021-07-04
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: ALLY FINANCIAL INC. (NC)

On XX/XX/2021 I had a pre-approved letter from XXXX XXXX XXXX for a autoloan. XXXX did not honor this request initially and I had to escalate to corporate before it was resolved. XXXX claimed they were not a pre-approved dealer by XXXX XXXX XXXX when they were. As a result I had multiple inquiries from unknown sources on my credit report that I did not authorize. Wish to have this inquiry removed.
Consumer complaint received 2021-07-04
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (IA)

I received from XXXX XXXX a promotional email soliciting a XXXX XXXX XXXX credit card through AMEX. I filled out AMEX 's online app with ALL information EXCEPT my social security number. I entered " random '' numbers for a social and called the AMEX new accounts number telling the agent what I had done. I offered to provide my number over the telephone, but informed them I wo n't put it online. The agent said, " No problem, if we have your name, address, telephone number, and birth date we can get your social. '' Several weeks passed with no correspondence, so I again called AMEX. This time I was told there were verification problems with address, phone number, and social security number and a letter was being sent seeking XXXX and address and phone number verification. As I believed I was lied to by the agent I contacted XXXX XXXX VP Global New Accounts. Her representative XXXX contacted me as to my concern ( logic would answer do n't have your phone number ). I received the XXXX and I complied with that request plus I returned a voided check from my bank with PRINTED address and phone number plus a photo copy of my driver 's license. Now I have received a request for a bank letter head stating my address verified by an official ( logic again : this is the SECOND letter AMEX has mailed to me ) plus a notarized copy of my social security card ( logic again : I have PROOF AMEX ran a credit check on me, how did they do that without a social security number and what did AMEX do with the XXXX I signed? I KNOW what my credit score and rating is and AMEX IS  HARASSING ME! I have not received a rejection letter because of " risk '' as my record shows there is none. For whatever reason, I am being HARASSED for information of which AMEX logically has possession! DISCRIMINATION FOR REASONS UNKNOWN
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Dovenmuehle Mortgage, Inc. (MN)

Im in the process of trying to XXXX  with a different lender, I noticed my Credit Score decrease by XXXX points, when I looked there was a late charge in XXXX on my credit- I had a grace period to get my payment in which I paid by and they still reported me to the Credit Bureau XXXX This is very irresponsible- I reached out and and asked a rep to send copy to my explanation this was a error on there part, after she did verify the payment was made by the Grace period and they had to remove the late fee. They failed to update my credit report which have caused my credit to fall drastically. Im very disappointed on everything I have been through with this Company and the very reason Im trying to find a different lender to service my Loan.
Consumer complaint received 2021-09-19
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

USAA closed and removed my complete credit card history in retaliation of filing disputes of fraudulent charges in 2015. Instead of removing fraudulent charges of over XXXX occurring after I paid off the balance in full in XXXX or XXXX of 2015 with money from refinancing a mortgage, they removed my complete credit history which was in good standing and at a XXXX balance. Why would my good credit history be removed all together? 
By doing so they have caused my good credit history length to be reduced as well as the good payment history.
Consumer complaint received 2021-03-26
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PNC Bank N.A. (NC)

On XXXX the XXXX at XXXX XXXX XXXX had an appointment at PNC bank to try to refinance his house at XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX They told him ( us ) we had to pay {$31.00} for them to run a credit check on Mr XXXX ... We paid {$31.00} for the credit check, ,After being on the phone with XXXX XXXX of PNC loan officer.. He told Mr XXXX XXXX he had to pay {$500.00} for an appraiser to come out and appraise the property ..All we want to know if that is right or is it by law ... Mr XXXX do not have the money to pay that {$500.00} ... XXXX XXXX mortgage loan officer said to the daughter let your daddy borrow the money from you, or get it from your stimulus check ... .And I told him I have not got mine yet he said it is coming ... .... All we want to know is all of this legal and right
Consumer complaint received 2021-09-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: WELLS FARGO & COMPANY (TX)

every sense the account was opened for months ago there has been fraudulent charges on this account on a monthly basis taking out of my celsius security check now they have blocked by account where i can no longer use my cards for a year they will not allow me access to the app to the website and they barely talk to me on the phone i have probably called at least a hundred times and i get nothing but redundant answers that solve nothing all i want to do is view my account i didn't make the fraudulent charges their accusing me of such and i do not appreciate that in the least nasagza there keep in
Consumer complaint received 2017-09-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (UT)

Wells Fargo has not provided us with all of the information we have repeatedly asked for. They claim to have on XX/XX/XXXX. This is a lie. We have not received any of the information we have requested. Wells Fargo needs to provide us in writing proof of met modifications, Proof of items that they are calling proprietary. If an item is proprietary we are requesting in writing proof that it is as such. If it is legally proprietary we are requesting in writing the items we have requested. ( copy of phone call on XX/XX/XXXX. copy of investor guidelines as to how many modifications, forebearances, and re payment plans are allowed to us. We to date have had 1 forebearance, 1 so called HAMP modification, ( it did not fit HAMP guidelines ) and 1 in house re payment plan. We would also like an investigation into Wells Fargo treatment and practice of customers with XXXX. We have been discriminated against and we do plan on filing an official complaint against Wells Fargo. We also would like an investigation into not only Wells Fargo but XXXX XXXX XXXX of Utah for not following Utah non judicial law. WE were not served with a notice of default. We found out about our foreclosure sale online. We also would like an investigation into the deceptive practice of Wells Fargo concerning Hamp Tier II guidelines. Wells Fargo continued to lie to us and put off our modification until the program  ended. Fully knowing and admitting to us that we were eligible for the program.
Consumer complaint received 2020-05-27
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. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX  XXXX {$220.00} XXXX   XXXX {$2700.00} XXXX  XXXX {$2700.00}
Consumer complaint received 2021-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION (FL)

I have been penalized from BB & T Bank with my credit card card account being closed due to unauthorized payments / purchases when my account had been taken over due to Identity theft. Instead of changing the account number BB & T closed my account and banned me from the bank that I always paid o time and in full. Also BB & T hasnt updated my credit report balance as of XX/XX/2020 with XXXX showing a balance of {$6300.00} and XXXX a balance of {$5200.00} and XXXX with a balance {$100.00}.
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Couple different items occurred with XXXX XXXX XXXX. They acquired the loan after a permanent modification and failed to notify me @ the address on file. I had to seek them out based on data from the prior lender when payments were returned. Despite my efforts they marked the first mortgage payment as late despite my proactive efforts. This has a material impact on my credit score and they refuse to address this. This is the only late payment on this or any other account on my credit report. 

Secondarily, after repeated attempts they continue to send pertinent mail to the property address. 1098s and things like changes to escrow.

Thirdly, they had a 3rd part review the flood insurance on the property. I, within the time allotted procured flood insurance from a national carrier @ $ XXXX/year. Further I followed their process, uploaded the binder and assumed the issue was ended. Instead they are providing flood insurance @ $ XXXX/year and claim to have not received the binder. Customer service rep XXXX on XX/XX/XXXX confirmed the document had been received and I've been billed in error. 

Fourthly, the password reset routine on their website has been dysfunctional for at least 3 days. Requiring me to call to get a reset to access the latest data. 

It looks a lot like XXXX XXXX XXXX is in the business of making it difficult for folks to pay the mortgage as agreed and have a larger interest in generating fees and challenges for the mortgagee.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE (CT)

XXXX XXXX XXXX {$7600.00} XXXX XXXX XXXX {$670.00} I have tried to file a fraud claim for the above charges as they were not authorized by me and RCI Barclay keeps telling it isn't fraud and wont give me a solution to the problem after explaining I found these charges after preforming a minor audit. I know I should be more on top of my finances and I will moving forward. They just keep telling me that since I payed my bill with my bank account this isn't fraud. I don't always review every charge on my statements I just make the payment. I don't think I should be penalized for making my payments on time.
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

I AM A NATURAL PERSON, in FACT CONSUMER, Im a native of this lane, THIS COMPANY IS COMMITTING FRAUDXXXX DOES NOT HAVE MY PERMISSION TO USE MY INFORMATION, I HAVE SENT SEVERAL CEASE & DESIST, I AM FILLING A COMPLAINT IN SMALL CLAIMS COURT XXXX IS VIOLATING THE FAIR CREDIT REPORTING ACT!
Consumer complaint received 2022-08-12
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: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$900.00}
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment both on XXXX and XX/XX/2020 for 30 days and 60 days late. I am not sure how this happened as probably during the time I was going through the XXXX and some medical challenges during covid19, but I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2017-09-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

OnXX/XX/XXXX XXXX XXXX XXXX who said he was representing XXXX XXXX called my job & asked for my boss who was not here, then he asked for me & my co worker transferred him to me. He mention the debt, threatened to serve me & my husband the next day, threatened to call the corporate office for my work several times, threatened to put a lien on my husbands home ( we just got married XX/XX/XXXX and that is not legal ), he mentioned in detail all the information for my husbands home address, lien holder, amount owed to the mortgage, etc. I did not give him much info b/c I do have an attorney & I am filing bankruptcy. Most importantly I do n't know who this person is! He then called my husband and left a voicemail. Continued to threaten his home/mortgage several times in the message. XXXX XXXX XXXX said that because " XXXX & I were married and whats mine is his & whats his is mine. '' He left a call back number & case number ( XXXX case # XXXX. After that he contacted my husbands mother who I have n't even met yet. First he asked for my husbands XXXX father, then spoke to my mother in law. He told My mother in law that he made a mistake getting married because they can file a lien against my husbands house. XXXX 's mother said XXXX XXXX was very rude and argued with her. XXXX 's mother passed the information on to her daughter XXXX who called XXXX XXXX back and he told her he had already spoken to me, he would not give her much information but once again he made threats about XXXX 's house and a lien. 
This person has/had absolutely not rights to contact my husband or his mother. He was rude/cocky with all of us and this still has me upset about it still today. He also had no rights giving any information about me to XXXX 's mother or mentioning a lien on his house.
Consumer complaint received 2017-09-15
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. (NY)

To my knowledge Equifax has been hacked, and many peoples information has been revealed and used. I checked for myself using my personal information, and Equifax states that I may be  among the people who have had the important personal information tampered with. I need my information protected! I need to be assured there is no improper use of my credit by anyone!