davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$1200.00}, {$800.00}, {$1000.00}, {$1100.00}, {$450.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

5. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 


-- AUTO ACCOUNT 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-10-14
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: Waypoint Resource Group, LLC (MN)

My XXXX year old daughter opened an account ( cable, internet and  home security ) account with XXXX in XXXX of XXXX, without my consent. XXXX installed these services while I was at worked ; therefore, I signed no contract or legal documents. I stopped those services XXXX of XXXX after I moved and was assured by XXXX that there were no issues. 

I then starting receiving collection calls from Waypoint Resources Group LLC  # XXXX in late XXXX. I tried without success to explain the situation to the representative, but was yelled at and insulted. I then tried to reach out to XXXX to no avail, because the representative said he couldnt find me in their system. Then I disputed this with XXXX  and XXXX. Both wrote back that this is a valid debt. Finally, in XXXX of XXXX I called XXXX and the representative was able to find me in their system, but didnt have access to the information. I then requested to speak to a manager. The representative assured me that a manager would review the matter then call me back in several days. Several days after, a manager called me and told me that this balance of {$300.00} wasnt for early termination as I was told, but rather for a security device that wasnt returned. He then gave me a {$75.00} credit in the interest of customer service and told me that returning the devise would bring the balance to {$0.00}. At that point, the balance went from {$300.00} - $ XXXX {$230.00}. I asked him for couple of days to find the device. I found and returned the devices on XX/XX/XXXX. 

I checked my credit report and saw that the balance was now {$220.00}. I disputed it with XXXX  and was told to send the receipt verifying that the device was returned. I sent the receipt with the complete explanation and received a report that the report was correct. XXXX could not have verified this with XXXX, because XXXX would have authenticated its system generated receipt number and employee number. Secondly, XXXX  would have verified that the reduction in the balance was a credit from XXXX NOT a payment and where the {$10.00} difference came from. It seems like XXXX isnt verifying evidence but has an interest in these collection agencies.
Consumer complaint received 2020-10-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (MD)

My complaint with Santander Consumer USA is that they have incorrectly applied payments to my account. My payoff amount is at {$20000.00} with over 3 years of payment on a {$25000.00} loan. Upon review of my payment history, they have opted to apply the full amount of several monthly payments to the interst on yl and none to the principle. This has occured despite the fact that I have paid a few dollars over the actually amount that is due each month. I have tried talking to them about this but they only try to fast talk me and call out a bunch of dates and number in an effeort to confuse me and address the real problem. The representative even admitted that the way they had applied the payments is not something that is outlined in my contract. They have taken upon thenselves to frontload the interest payments as opposed to applying the payment to both the principle and interest appropriately and according the the percentage of the interest rate. This is unfair and a malicious practice. I beleive the payoff would be approximately {$10000.00} less had they applied the payments as they should have.
Consumer complaint received 2023-01-12
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. (CA)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( XXXX ). ( A ). 

XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grain Technology, Inc. (TX)

I have an account with Grain Technology and I reached out to the company back on XX/XX/XXXX and havent gotten a response. Ive sent about six emails since then and havent heard anything. I tried calling the company which you cant speak with a representative as well as it tells you to go online and submit a ticket. My payment was due on XX/XX/XXXX and I havent been able to login to my account. Ive called this number XXXX many times. No option to speak to anyone. 

I did forgot password and never received an email to change my password. Ive never been late or missed a payment and Im very concerned because this can effect my credit. I done a search on how to reach out to someone from this company and nothing. I need help! This is not how a business should operate. Please advise.
Consumer complaint received 2022-04-27
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. (GA)

I submitted several disputes and a CFPB compliant the issue remains. Equifax is reporting a debt I DO NOT OWE. I do not know this medical place. I requested information to be sent to me showing what this debt is and how it relates to me. I haven't received ANYTHING.They reply verified my rights are being violated. FRCA 611 ( a ) ( 7 ) states I can receive this information. I do NOT owe agency XXXX! This should be removed immediately! I received an alert from credit monitoring a new collection was reported. It's the same account it was showing agent XXXX assigned XX/XX/XXXX. Equifax illegally changed it to XX/XX/XXXX to re-age the debt I do not owe. I will attach the dates to this complaint.
Consumer complaint received 2021-08-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NV)

On XXXX ( afternoon approximately XXXX ) I went to XXXX and XXXX to do grocery. checked my bank before I use it and there is fund. The next day at XXXX I received notification that i have - {$18.00} from my husbands purchase few days ago that was only billed unexpectedly with {$9.00} each, so I immediately transfer funds to cover my -balance after i transfer it says on my account that i have paid the negative balance then after XXXX i received again a notification that my balance is negative again and been charged with {$70.00} overdraft fee which I believed is ridiculous. Ive been charged of overdraft fee multiple times in the past.they have this policy that negative balance that was not paid after XXXX will be charged overdraft fee {$35.00} each transaction the next day. so If you received your bill @ XXXX ; XXXX you will not be able to cover your negative balance and automatic charged with overdraft fee which is unfair because its not enough time to cover your negative balance in 1 min. I think it will be much better to give at least 24 hours from the time it was billed before they charge the overdraft fee.I send a complaint to FDIC which was forwarded to CFPB and XXXX I received email that the result of investigation was sent to my mail, It was written there that my case was resolved and not gon na waive my overdraft fee and was paid 25 % which is not okay.
Consumer complaint received 2022-04-27
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. (SC)

Through non compliance, I have evidence that i have a self executing irrevocable power of attorney authorizing XXXXAlleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any and all references to said account in any and all credit reporting agency files of any type. this account reporting is also a violation of hippa laws.
Consumer complaint received 2023-01-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (CA)

NCB Management Services Inc has been harassing me for months attempting to collect an alleged debt that I do not owe to them. I have no written signed contract with this company or any contractual ties with this company. They have been mailing correspondences to my domicile attempting to collect an alleged debt, in addition to continually calling my phone multiple times a day at work. I have stated numerous times that I do not owe them for any alleged debt and that I do not even know how they received my information. I never gave any written consent to NCB Management Services Inc to have any of my information nor given them any written consent to furnish any information on my credit report. They have illegally obtained my personal information and are illegally attempting to collect an alleged debt. They have violated numerous of my federal consumer protection rights.
Consumer complaint received 2022-04-27
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. (NJ)

EQUIFAX CAME BACK VIRIFYNG A INQUIRY ON MY REPORT BUT THEY FAIL TO PROVIDE VALID DOCUMENTATION THAT INDEED THIS HARD INQUIRY WAS APROVE BY MY PERSON
Consumer complaint received 2020-10-14
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XX/XX/XXXX i used my card to withdraw XXXX dollars in a XXXX XXXX store in XXXX  ca. when i got home i checked my account as i usually do because im on a fixed budget.i noticed my account had went from XXXX to XXXX i reached out to bank of america about this on the same day within an hour of this happening. the charge happened in XXXX XXXX wich is a distance away from me i only have 1 card there is no way humanly possible for me to have done this as im being accused. i called and emailed boa numerous times and got lied to and handed off to another person each time.and still to this verry day i cant get no answers to whats to be done i am at a huge loss here i live off those benefits i have no other means of money and to lose this much has killed me .i did all i was supposed to do in a verry timely manner and i sit in limbo with everything already been delt with they ( boa ) states the investigations over but still no answers.and i can not get my money back. whos the victim here i was under the impression a zero liability for out of my control purchases i feel like i was discriminated against because its a government card that it makes me a lower tiered pupil. its really sad how this is being handled i need to pay bills and eat and i cant do that.
Consumer complaint received 2020-09-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

The. Home. Was. Paid. Off. I. Borrowed. XXXX. And. Was. Charged. An. Extra.  XXXX. They. Stole. All. The. Equity. Out. Of. The. House. They. Were. Not. Transparent. With. Me. At. All. I. Feel. Like. I. Was. Robbed. And. Would. Like. These. People. To. Be. Bought. Up. On. Charges. For. Pulling. A. Fast. One. On. Me. The. Companies. Name. Is. Ocwen. Financial. Or. Phh.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

Credit Card company : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OF REPORTING : XX/XX/2020 Reported me deliquent 30 days for XX/XX/2020 due to an ongoing scheduled maintenance which unfortunately resulted in zero access to the account between dates of XX/XX/XXXX - XX/XX/2020. Which was XXXX. Not notified of such scheduled maintenance 2. Unable to access account through online portal or with customer service.

3. Payment was not recorded on XX/XX/2020 of {$1300.00}. 

4. Payment should have reported to credit bureaus on before XX/XX/2020 Please see attached screenshots of the results of the occurences. 

Please as a courtesy I ask the credit bureaus to make the update to the credit agencies to XXXX XXXX XXXXaus : XXXX XXXX  AND TRANSUNION So the dleiquency is removed from the reporting for XX/XX/2020 and shown as " CURRENT '' or " Pays as agrees ''. I have a letter directly from the creditor to have this information ammended directly. 

I appreciate that this be marked as urgent due to repercussions and impact this has had on my credit.
Consumer complaint received 2020-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/20 I sent Synchrony bank my unemployment paperwork # XXXX from my employer via email at XXXX to cancel debit. XX/XX/20 this benefits request was closed because my employer said I was let go do to a medical reason. I was then advised to turn in XXXX forms to valid my employment discharge. I don't understand why if I experienced unemployment because of no fault of my own why I had to give this information? On XX/XX/20 I sent XXXX paperwork # XXXX XX/XX/20 it was closed because the doctors office put an invalidity date on the line that said date I was unable to perform normal activities. The date provided was XX/XX/20 and that was the date the I was referred to that doctor this was not the date I was unable to perform normal activities. I was given a medical XXXX  from my employer to see if I could do a position I was being transferred to and those results ended my employment with them that changed my ability to to perform normal activities mainly work! The doctors office sent supporting document for the XXXX on XX/XX/20 and XX/XX/20 when they resubmitted a correction.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CO)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (NV)

Over the past 2 years I have sent several certified letters trying to get XXXX to correct the errors from a company called " Barclay Bank '' they are showing as a collection. As well as a company called XXXX XXXX showing the same. one shows I have a high limit of XXXX and Barclays shows XXXX credit limit. As well as NO records of my one time payments! They have NO dates reporting for either of these companies. ALL my bills show I am an exceptional payment and these XXXX companies are significantly damaging my credit by not fixing these errors!!! And after at least XXXX certified letters over the past 2 years of giving them information to correct and they still don't update!!! I want these both removed asap or I will now take this to lawsuit. It is too much now all these years.
Consumer complaint received 2020-10-14
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (MA)

Kia motor finance applied a payment in XX/XX/2020 incorrectly. This resulted in the account reporting as 30 days late. I attempted to dispute this with Kia finance and was refused by multiple employees over a two week span. I was told to file a formal complaint I would have to speak to a specific supervisor, to call back at a later date, and then repeatedly told I would receive a call back to complete my dispute.  None of these things happened. I disputed the error through XXXX  and it was updated on me XXXX  report. I am going through the process of applying for a mortgage and was told it is not reflecting on my credit report. I asked Kia to provide some documentation to me that the account was in good standing or show that the correction had been made and they refused on XXXX at XXXX XXXX  I spoke with XXXX a supervisor who said they would provide a letter of account current status. This never happened and when I called back I was told by three different supervisors and eventually XXXX, the senior customer service supervisor that I would have to call corporate and take legal action because there is nothing that they could provide me for documentation of the correction.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

To whom it may concern, I was just looking through my credit profile and there are a lot of inaccurate information which i would like removed from XXXX, XXXX, experian and other credit reporting companies. All of the following addresses are wrong and I would like removed off my file as these are not my address. The following addresses need to come off my report XXXX XXXX XXXX XXXX nj, XXXX XXXX XXXX XXXX nj, XXXX XXXX XXXX nj, XXXX XXXX XXXX XXXX nj, XXXX XXXX XXXX XXXX NJ, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX nj. The only address that is mine and accurate is XXXX XXXX XXXX XXXX NJ XXXX. As for my legal name you guys gave me down for multiple different names the only name that should be on my file is the following XXXX XXXX XXXX XXXX. Lastly my employment information is all inaccurate. The only employment on file that is accurate is XXXX XXXX XXXX.
Consumer complaint received 2019-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LOAN SIMPLE INC. (CO)

Following the closing of my new home with a Conventional Renovation Loan on XXXX, construction on the interior, in accordance with the work write up, began. Several line items have been complete and some are partially complete. When the appointed General Contractor contacted Loan Simple on XXXX in order to schedule the inspection in order for her to access her first draw, Loan Simple told my GC on XXXX she was unable to do so, as they had not yet completed the purchase of the loan from the originating lender ( see attachment 1 ). 

On XXXX, I was contacted by XXXX XXXX at Loan Simple and she explained to me that the loan amount I closed with was less that what I should have been approved for. I was told that as a result, I did not bring enough cash to the closing table ( see attachment 2 ). The difference I am being told I have to now still pay is {$1800.00}. I am also told that if I can provide evidence that I also paid for the Consultant Fee and the Appraisal Fee ( which I already paid ), they will be generous enough to not double charge me and demand only {$510.00} ( see attachment 3-4 ). 

Now that I am XXXX to the XXXX XXXX for the forseeable future, and demolition having already begun in my home back in the United States, this situation is that much more aggrevating. This situation is the result of gross negligence on the side of the lender, as any of these issues could have been addressed prior to coming to an agreement at the closing table for whats required as far as my minimum contribution, and prior to me deploying.
Consumer complaint received 2019-02-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIRST CITIZENS BANCSHARES, INC. (WI)

A woman called me from XXXX and told me that I owed {$1900.00} to XXXX XXXX for an overdrawn checking account. I immediately request verification of the debt. She refused multiple times to do that, kept talking over me, then said, " if you dispute this, we will sue you and in court is where we are required to provide you with verification of the debt ''. I continued to argue with her and she hung up on me. She also did not give me any of the disclosures required by law. She said a man would come over to serve me papers right away.