davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (RI)

Hello, I started a mortgage refi application in XXXX with Wells Fargo who services my current mortgage. My current rate is XXXX while the refi rate lock was 2.625 %. I feel as though Wells Fargo completely harassed me in several different aspects. 
They started the process by pulling my credit history which identified some areas of concern. Wells Fargo moved assed this ; however, and continued to request information over a three month period. Wells requested the same documents over and over, made me upgrade my home owners insurance, made me pay for a property assessment, submit P & L Statements multiple times, and send retirement information several times. I submitted everything in a timely manner following the credit report yet the requests kept coming. In the end, Wells denied me based on information they had from the first week. I feel like this process was very unprofessional and in the end Wells kept searching for another reason to deny me. When they couldn't find anything Wells resorted back to the credit report. I have requested documents from Wells ; however, they will not return emails. I hope there is an oversight committee that can review this complaint. I feel as though Wells made a financial decision that was best for them while harassing a customer.

The irony is that Wells claims they want to assess risk yet my refi would have been less risk than the current mortgage. Both houses appraised at more than I stated and my credit score improved, yet Wells only updates information that will hurt an application if that is their plan. 
Thank You
Consumer complaint received 2021-10-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

XXXX, the mortgage note I Signed and prepared by the bank stats clearly as you can see in the attached document that XXXX  should be removed automatically on XX/XX/2021, contacted WellsFargo and they still charged me XXXX  for XXXX, XXXX, XXXX, and it is still there for XXXX payment
Consumer complaint received 2021-10-20
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. (PA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Consumer complaint received 2021-10-20
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: SYNCHRONY FINANCIAL (NC)

On XX/XX/2020, a fraudster used my information to apply for a Lowes credit card with Synchrony Bank. I have a freeze on my credit with a fraud alert due identity theft in the past. Since finding the hard inquiry on my account over a year ago, I contacted Synchrony Bank numerous times to get the inquiry removed and it is still there. Given the freeze on my credit, it should have never made it to a hard inquiry in the first place. I am reaching out to the CFPB for help since I was not able to resolve this on my own and after at least 4-5 phone calls to Synchrony.
Consumer complaint received 2022-09-30
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXXXXXX XXXX XXXXXXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXXXXXX XXXX XXXXXXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXXXXXX XXXX XXXXXXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXXXXXX XXXX XXXX  Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXXXXXX XXXX XXXXXXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  Account XXXX XXXX XXXXXXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXXXXXX XXXX XXXXXXXX Please remove it from my credit report.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (WA)

In XXXX of 2021, I was told by an associate at West Lake Portfolio Management that since my car was at the end of terms, they would extend my payment as a courtesy over the next five months to pay the remaining balance of XXXX. I continued to make my payments since I was told when I extended my payment that it would just extend my loan, not that my loan would be treated as late at the end of the term. In XX/XX/2021, West Lake Portfolio Management reported my account as 30 days past due, without my knowledge. When I asked them for any documentation, they explained that they didn't have any on record. Then they backtracked and said as a courtesy and said they would put me in their payment plan, but they had already reported me as late. I have all the receipts of my payments for each month. This past due on my credit history will affect my financial health due to misinformation from their representatives and treatment of customers.
Consumer complaint received 2022-08-24
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. (CO)

in accordance with the Fair Credit Reporting act XXXX XXXX bank account # XXXX, XXXX XXXX account # 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
Consumer complaint received 2021-06-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MT)

On XX/XX/21 I had been talking with a company that I was planning on working for for over 4 days and they sent me an online check for {$4500.00} from XXXX XXXX XXXX XXXX XXXX in order to pay for various hardware and software products I would need for the job. This money would then be sent to their vendor in order to purchase these items. This company had interviewed me and I trusted them for the most part since we had been taking for a while. I deposited the check that day and waited. The following day I checked my WellsFargo account and the check appeared to have cleared, as my balance had gone up by {$4500.00}, giving me the impression that there was no hold up. I then payed the vendor I was instructed to pay, sending them 4 installments of {$1000.00} XXXX through XXXX XXXX. Shortly after this took place, I deposited a second check for {$4500.00} which was placed on hold almost immediately. It was this same day ( XX/XX/21 ) I noticed my balance had dropped by by $ XXXX because of the payments but the check that had originally cleared was now placed on hold as well. At this point I knew I had been scammed but what was most frustrating was the damage it caused. My monthly rent, which I was about to pay, was taken and I received no compensation from Wells Fargo what so ever even after filing two claims of fraud and filing a police report. I was told the claim was denied simply for the fact that it was a wire transfer. Wells Fargo themselves had shown the check as cleared which was the only reason I made the payments in the first place. Ive sent all the conversations and emails I had with the scammer to Wells Fargo claim department but that seemed to do no good either. As both claims were still denied
Consumer complaint received 2021-10-20
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: JPMORGAN CHASE & CO. (NJ)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report :
Consumer complaint received 2021-10-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (AZ)

I opened a US Bank checking account on XX/XX/2021. I completed the necessary direct deposits transaction within the given timeframe of 60 days of account opening to receive the promotional {$250.00} bonus from the bank. After completing these necessarily steps and waiting the 60 days for the bonus to show up in my account, I have received nothing. I have heard of other consumers having this problem as well.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

MY XXXX MORTGAGE ACCOUNT WAS NEVER LATE OR HAD ANY MISSED PAYMENTS. IT WAS UNDER DEFERMENT AND FORBEARANCE PROTECTION AND A SUBSEQUENT LOAN MODIFICATION DURING COVID 19 PANDEMIC, AFTER WHICH REGULAR PAYMENTS WERE RESUMED AS SCHEDULED. IT SHOULD NOT HAVE BEEN REPORTED IN A DEROGATORY MANNER ON MY CREDIT REPORT.
Consumer complaint received 2022-09-30
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: LEXISNEXIS (NV)

Called the courthouse asking do they report bankruptcies to the credit bureaus and they said They do not report any bankruptcies to anybody. County Clerk told me reffer to there website. ( See Attachment ) So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2021-08-03
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 so tired of equifax credit reporting agency! I feel like im being ignored and taken advantage of and im having XXXX XXXX  because I worked very hard to protect my consumer report and equifax is allowing any company to furnish unauthorized information on my consumer report. They recently deleted 11 unauthorized inquiries that I have proof of in the documentary evidence that I am attaching to this complaint. They placed the 11 unauthorized inquiries on my consumer report during XXXX without my written instructions and or consent which identity theft and they violated federal law. My reputation was damaged for nearly two years and caused me financial hardship by paying higher interest rates, being turned down for loans for having too many inquiries on my consumer report. Within that time and because of these unauthorized inquiries and financial hardship I had to spend a lot of time away from my family to be a my job in order to pay the goods and services that I had to finance during that time and that took a heavy toll on my marriage that ultimately ended in divorce because equifax is unfairly taking advantage of consumers. They are also reporting a car loan on my consumer report from XXXX XXXX XXXX XXXX that i did not authorize them to report or give them written consent to report. That auto loan is in Cease and Desist with XXXX XXXX XXXX XXXX and should not be reported on my consumer report. CFPB i'm begging for your help to protect the consumer from this federal law violator. I have mailed equifax my notarized affidavit of truth and my invoice for damages listed above on XX/XX/ and they are ignoring me.
Consumer complaint received 2021-12-30
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. (AL)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$120.00}XXXX XXXX XXXX  XXXX XX/XX/XXXX {$14000.00}, XXXX XXXX  XXXX XX/XX/XXXX {$380.00}, XXXX XXXX  XXXX XX/XX/XXXX {$220.00}, XXXX XXXX XXXX XX/XX/XXXX {$270.00}. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Consumer complaint received 2021-12-30
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: U.S. BANCORP (NJ)

Elan Financial ( US Bank ) Pulled a hard credit on me through the credit reporting agencies and lowered my credit score. They did not have any approval to do so. I have ( had ) a card with little to no balance that was good from XX/XX/XXXX through XX/XX/XXXX. 
My card ended in XXXX
Consumer complaint received 2021-10-20
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. (GA)

I have tried to dispute late payment reporting on my Equifax credit report from XXXX XXXX XXXX XXXX. I have tried to dispute the late payments at least 5 times and every time they reply to Equifax that it is correct. But the auto loan I had with them was ended in 2015 when the car was repossessed. Since then they sold the vehicle in 2015 and applied a payment towards my balance. Not only are they still reporting late payments but they are also still charging interest to the point my balance has more than doubled. I have tried to work this out directly with XXXX  and I even contacted Equifax who initiated the last 2 dispute directly for me because they agreed that I should not still be receiving late payment reporting. This is really ruining my credit score because they said I shouldn't be penalized for disputing but every time I dispute anything my score is dropped by around 30 points when they come back with yet the wrong information again. It is extremely unfair and I can not get any help from anyone.
Consumer complaint received 2021-12-30
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (DE)

I am the cosigner of my son 's loan. He has been unemployed for several months due to having XXXX in the beginning of the pandemic. After returning to work he was injured on the job and had XXXX which put him back out of work without pay. He was then terminated from his job and has not received any wages or unemployment wages. He obtained new employment however was injured on that job as well which caused him XXXX stitches. Do to his most recent injury. He is unable to work at this time per his doctor. He is currently out without pay again. Prior to all of this we utilized Sallie Mae 's lower repayment option and their deferment option however they refuse to offer any other options. 

I am not in a position to repay the loan at this me. Our household has been gravely affected by the pandemic. We are severely behind in our rent due to loss of employment for several household members which otherwise would be able to contribute to our cost of living.
Consumer complaint received 2021-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (MD)

PNC took over as servicer for both of my mortgages a few months ago. Since then, I've have spoken to them numerous times and they are unable to get me signed up for online access. Once they transferred me what they called " IT '' and it was a forever hold. 

Without online access I can't change my auto pay, view my loan information, etc.
Consumer complaint received 2022-08-02
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. (GA)

My name is XXXX XXXX XXXX, I have reported this as my only name to the credit bureau and it is still not being reflected on my report. I demand that this be the only name reported and all others be deleted. I have attached an utility bill. 

In accordance with the Fair Credit Reporting act the following companies have have violated my rights. 

XXXX XXXXXXXX XXXX - Account number : XXXX XXXX XXXXXXXX - Account number : XXXX XXXXXXXX XXXX XXXXXXXX XXXX - Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX - Account number XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX : Account number : XXXX  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 an account without my written instructions. I have not provided permission.

15 USC 1681 ( a ) ( 4 ) Violation of Privacy- Your company did not ensure that this information is accurate, as it is reported differently or not at all on my other reports, and you do not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and this the violation of my rights to privacy.

15 USC 1681 ( d ) ( A ) ( i ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate is whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report. Which means it should not be included in my consumer report and in fact is a violation of my consumer rights.
Consumer complaint received 2022-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (SC)

XX/XX/2021 someone committed fraud in my name and opened up credit cards in my name without my knowledge or permission. One of these cards was Affirm. They used this card to buy kitchenware for XXXX. I did not order this or receive this I contacted the company in XXXX regarding this fraudulent activity. I have now been sent to the credit bureau and my credit score has decreased due to this. I did not open this account and am not responsible for the payment.