davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo intentionally acted in a personally biased way against my wife and l. 
This is evidenced by the letter we received from Wells Fargo, where the letter of about XXXX small paragraphs on half a page, referred to our notice of serious health issues. 
This was unnecessary to mention at all, it should not have played any part in their decision making process. The context of their message was in a sneering fashion, clearly biased against us. They know l am XXXX years old, XXXX. Nobody so ill wants such a response from anyone- and certainly not from people at a major bank like Wells Fargo or it 's employees. 
It is an essential part of recovery that a positive perspective is kept, that becomes impossible when Wells Fargo employees wrongfully act with bias against individuals that have serious medical problems.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-08
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: United Check Recovery Bureau, Inc. (WA)

I received a call today from a " XXXX XXXX '' at UCRB - no website exists nor address. They said something about an unpaid debt/ bad check? I looked on my credit report that shows nothing associated with them. I XXXX the phone number and have been reading up on all the threats and nobody can seem to find out anything about their debt or who the company is. If it is a legitimate company - they are contacting family members on their first attempt of contact. I have not received any notifications via mail and my bank account has a zero balance and has been closed since 2013. Please look into these people. They are preying on a lot of people and making phone calls to people 's work, family members, friends, etc. Also, XXXX stated that they are " sending a courier unless I call back and make payments to them. '' Sounds extremely sketchy and these people need to be investigated.
Consumer complaint received 2016-06-01
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Home Loan Center, Inc. (MN)

I visited the Lending Tree website and clicked on a link that said " view your free offers ''. I entered name, address and supposedly my last XXXX digits of my social ( per lending tree ). At no time was I told I was applying for a loan or my credit would be run. I am now getting tons of emails and call re : my loan application. I DID NOT apply for a loan or give permission to run my credit. Sent XXXX emails to lending tree customer service with no response. Called today and was told that at very bottom of the page there is a terms and conditions link. This is unacceptable. At no point did there site say ... loan application. There has been several hits on my credit report ... ..and I did n't apply for a loan.
Consumer complaint received 2019-05-29
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: EQUIFAX, INC. (CA)

I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this ASAP XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have two inquiries on my Transunion Credit Report which I didn't authorized the inquiries are XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX I want both inquiries removed from my credit report.
Consumer complaint received 2016-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

Well Fargo Home Mortgage continually increases the escrow. Wells Fargo claims that they see a change in my tax 's and home owners insurance policy. This ca n't be true. Our taxes have not gone up ever in the 15 years we have lived here. Yet Wells Fargo insists that they do go up and so does our home owners insurance cost. I myself setup XXXX veteran services home insurance policy and XXXX has not informed me of a policy increase. This problem with Well Fargo continually says that the monthly payment most go up to cover they costs that should never happen and this is the 3rd time. Wells Fargo refuses to prove that every time they raised the monthly cost of the escrow they actually had a real reason. We have even being paying more then the monthly amount due by nearly XXXX $ more each month and yet ... Wells fargo says we have s shortfall in the escrow, which is impossible. We believe that they are misleading us and not using the escrow account as they are contracted to do in our mortgage.
Consumer complaint received 2016-09-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (VA)

I 've been a customer of Wells Fargo since XXXX when my father started a small independent bank in Texas that was eventually acquired by WF in the XXXX 's. On XXXX XXXX, XXXX, I emailed WF to express my concern about recent reports of retaliatory conduct against employees reporting highly unethical behavior at the bank. I received a form email from XXXX XXXX back about the recent account scams at the bank, and I replied back that the form email did n't directly address my concerns about retaliation. On XXXX XXXX, XXXX, WF terminated my online access to the personal line of credit I 've had at WF for the last 8 years. I called the online customer service number ( XXXX ) provided in the notice saying that my delivery preferences for the account had been changed, and explained my concerns to XXXX. He informed that it had been blocked but he could n't see why, and transferred me to XXXX XXXX in credit who informed that the fraud team was investigating suspicious activity he described as " supercheck activity, '' and then transferred me over to XXXX in the fraud department who said that WF had received a referral from XXXX today for possible identity theft over the account, but said if I recognized the account then he 'd unblock it. It has not been unblocked, and the number he gave me for XXXX XXXX does n't give me any one there I can speak to. I believe that the blocking of online access to my account today by WF is a direct retaliatory act against a customer as a result of the criticism I raised yesterday, and I want it thoroughly investigated.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2016-10-13
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NJ)

In light of the Wells Fargo scam I want to address the fact I was scammed for employment through XXXX in an offer to be a secret shopper. I had just lost my job and the money I lost was a mortgage payment. 

This was all in conjunction with XXXX prepaid cards that loaded funds through Wells Fargo accounts that I found were flagged and should not have been processing " bad checks '' on fake accounts. 

When I originally inquired about a {$3200.00} check I received, I found all it was all connected through false checks. After filing a police report and visiting my local branch and finding this Wells Fargo account was flagged after the check was cashed, the bank manager even said nothing should have been processed with all the flags on this particular account. 

I then wrote Wells Fargo CEO XXXX XXXX who just stepped down over the revelation of fake accounts only to hear sorry you were the victim of a scam. 

The branch knew that check should of have never been cashed because of all the notes on it and proceeded to cash it anyway to take funds from unsuspecting people thinking they were gaining employment. I would like to receive my reimbursement since this scam has come to light and I have every stitch of paperwork to back it all up. Thank you.
Consumer complaint received 2020-11-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have 2 accounts with XXXX, a mortgage, and home equity line of credit for my house. 
both accounts were on forbearance with the company due to covid with auto-renewal. 
I had my mortgage for 21 years and home equity over 10 payments were always on time. 
My mortgage got auto forbearance but equity without my knowledge was not extended. 
I did not get a notice. The bank reported to the credit as been late. I called the bank and I was told there was nothing they can do I needed to dispute it with the credit bureau and due to internal issues equity line did not get auto forbearance like the mortgage account. I made the equity line payments to bring the account current and on time with XXXX but the credit report still shows late. This action brought my credit down significantly I am in process of refinancing this will affect my ability which I work very hard. I want XXXX to reverse their action on the credit report.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION (FL)

There is inaccurate information being reported on my XXXX file for the account with Truist Bank. 

1. The account states I've paid of 51 % of this account. Why is it 51 %? I have previously requested verification in the form of documentation and XXXX has failed to verify this information. 

2. The term on the account states XXXX  months ( XXXX  years ) but then states the account was opened XX/XX/XXXX ( XXXX yrs, XXXX months ) ago. That date is XXXX years and XXXX  months longer than the initial term of the contract. I request verification of said contract and not from the creditor reporting this account as the reporting is inaccurate. 

XXXX. XXXX reports the last payment made on this Truist account was XX/XX/XXXX. A payment was made when? This information is inaccurate and I would like to request verification in the form of a receipt showing the payment which XXXX is reporting as being made on XX/XX/XXXX. 

XXXX. XXXX is reporting this account was closed XX/XX/XXXX. How was the account closed XX/XX/XXXX when that date is longer than the initial term as well as the date XXXX reports the account was opened XX/XX/XXXX. XXXX years and XXXX  months ago? 

Section 623 ( a ) ( 8 ) Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a " credit repair organization. '' Section 623 ( a ) ( 8 ). Federal regulations are available at www.consumerfinance.gov.
Consumer complaint received 2022-10-04
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. (AZ)

I have sent multiple letters to all three credit bureaus XXXX, XXXX, and Equifax. Even the basics of my name are incorrect. There has been a variation of my name a middle initial of XXXX My middle name is XXXX. They have ignored my many requests over the course of a year of letters I send in asking them to update this. 

I also have many accounts that are misreporting, inaccurate, missing information in the accounts, inaccurate numbers, etc. How is it possible for them to verify any of these accounts if nothing has updated in over a year. 

I have sent letters on the following dates : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 This is just this year alone. 

I need help because they are not responding, and my patience has been pushed beyond its limits.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX  IS REPORTING CLOSED ACCOUNT WITH 3 LATES 30 AND 90 FOR XX/XX/2019-XX/XX/2019 
XXXX XXXX  XXXX I was never late during the month it shows on the report. IN MY PREVIOUS ATTEMPTS TO RESOLVE THIS ISSUE I HAVE SUBMITTED PROOF OF PMNT ON THIS ACCOUNT BUT YOU HAVE NOT CORRECTED OR DELETED THIS ERRONEOUS ACCOUNT. AT THIS POINT THIS ACCOUNT IS IN VIOLATION OF F.C.R.A. RULES AND REGULATIONS ON 3 COUNTS. I HAVE PREPARRED MY COMPAINT TO FTC AND WILL FILE IF THIS IS NOT DELETED OR CORRECTED TO NO LATES, POSITIVE ACCOUNT WITHIN 15 DAYS OF THE RECEIPT OF THIS LETTER. 
XXXX XXXX  NOW RECEIVED 4 LETTER AND NUMEROUS CALLS IN ATTEMP FOR RESOLUTION AND HAS FAILED TO REPLY COMPLETELY
Consumer complaint received 2022-08-14
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. (CA)

In accordance with the fair credit reporting act XXXX accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX - UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I have attempted on multiple occasions to file a dispute against the creditor XXXX XXXX. This credit is violating my rights according to the Federal Credit Reporting Act because it is reporting inaccurate information as well as inconsistent information across the three major bureaus ( XXXX-6 missed payments, Experian-14 missed payments, & XXXX-14 missed payments ). XXXX is denying my ability to dispute these inaccuracies stating a dispute is already in progress. However their records show otherwise. XXXX is also not allowing me to dispute these inaccuracies & inconsistencies. They also continue to deny me an updated copy of my credit report. 
I am also having an issue with XXXX XXXX. On my XXXX report, this creditor is reporting this account as a charge-off, yet is also reporting the account as open, with one missed payment which is completely inaccurate and inconsistent. An account can not be both charged off and opened at the same time. This same account was removed from my XXXX account because of their inability to validate the debt. Yet this account is reporting on Experian as a charge-off and closed. 
I am entitled to a complete and accurate credit report. These credit reporting agencies are refusing to do their due diligence and properly investigate my disputes when it is clear these accounts are reporting inaccurately. They are all violating my consumer rights! This is damaging to my reputation and is hurting my chances of buying a home. This account needs to be removed immediately.