davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WA)

I have called/emailed Wells Fargo ( WF ) countless times to ask them to provide corrected due amount to the WA state HAF ( since XX/XX/XXXX to release WA HAF fund directly to Wells Fargo ) . But Wells Fargo failed this simple task. It provided the WA state HAF with wrong info multile times in a row ( and put the HAF assistance at risk ), even AFTER my XX/XX/XXXX complaint to you ( case # XXXX ). The exec person assigned to this case ( XXXX XXXX XXXX ) did not respond to my multiple calls/messages for about 10days ( I left him at least 5 messages for a callback but he did not get back until I called again on XX/XX/XXXX ). When he finally did, he clearly did not know the key issue and failed all promises ( not getting this taken care of by XX/XX/XXXX, not callback on XX/XX/XXXX after the long weekend, not knowing the key issue, not reading escalation requests from the field manager/reps, not even wanting to transfer me to his supervisor by keeping saying he's busy/in meeting, I had to insist to be connected to his VM ). He's not taking any actions while the field manager/reps already provided me the corrected information ( by phone and email last week ) that the escrow amount was zero. I also received paper mail yesterday and asked him to inform the WA HAF team the new corrected amount so I and WF won't lose the HAF assistance. He refused to connect with the Wells Fargo HAF team and kept saying there's nothing he could do ( while multiple field reps told me last week all needed is a go ahead from the exec team ). While the WF system has been broken for years and the Gov fined it for {$3.00} Billions recently, I sensed no culture or service changes, the exec rep ( XXXX XXXX was the worst among all the numerous WF reps I interacted with in the last few months to correct a simple WF error. Please assign a new exec rep and ask Wells Fargo to send the corrected amount to WA HAF by XXXX XXXX on XXXX XX/XX/XXXX. all needed is a simple phone call or a note with less than 10 words ( the new corrected amount is $ -- -- -- - ). Thank you! 

Truly yours XXXX XXXX XXXX
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

1 head u been calling and sending mail to capital one they repeatedly ignore me even under the FTC the 609 disputed letter I sent 2 times and other mail 3 times and capital one refuse to talk with me and and provided me with any proff of my signed contract or any other documents they are breaking the law under the 609 law
Consumer complaint received 2023-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NH)

I have already tried disputing this charge with the company and I have filed a complaint with CFPB. CFPB closed the case stating the company does not recognize their customer. I'm attaching an image of my XXXX XXXX account that is showing this account in collections. I suspect Credit Collection Services has bad practices. If they do not recognize me, then could they remove the debt? This company is causing me inconvenience and hurting my credit score.
Consumer complaint received 2023-02-23
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: Experian Information Solutions Inc. (TX)

XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute a late payment entry that appears on my credit report. According to my credit report, there is a late payment entry from XXXX XXXX  XXXX on my XXXX XXXX XXXX XXXX XXXX XXXX account, which has a credit account number of XXXX. 

I am concerned about the impact this late payment may have on my credit score and my ability to obtain credit in the future. I have always made timely payments on my credit accounts and believe that this entry is in error. 

I request that you investigate this matter and provide me with the results of your investigation. If the late payment was indeed made in error, I ask that you correct the entry on my credit report and provide me with written confirmation of the correction. 

Thank you for your attention to this matter. Please let me know if you require any further information from me. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (VA)

On XX/XX/XXXX I received an email stating my checking account on Current online bank is affectively closed, with no explanation. I was abroad at this time, and relied on my funds during my travel abroad.. I had a balance of over 10,000 in my account. Within this closure email no-where did it say how to retrieve/ move / option my funds.. I have emailed Current back and forth requesting more information in a professional matter along side with ways on optioning my funds as I relied on them during my travel. 
After about 5 emails, Current has stopped replying to me, and has failed to answer my questions regarding the last transfer, account amount, and a process on retrieving my funds. It has been over 2 weeks as Ive been in the silence. Ive tried to contact Current Bank a few times again but failed to receive a single reply even after explaining my reason behind them closing my account due to security reasons while accessing my account during my abroad stay. 
Ive also called current, but was automatically hung up as I heard a automatic message play your current account has been closed and an email has been sent to your inbox I had to use a different phone number to call from to speak with someone who said I should have received an email on how to option my funds ( which I have not ) and that my case will be escalated. 

It has been more than 10 days since that phone call with nothing from Current. 

Things like this can really financially hurt someone like it has to me.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Possible Financial Inc (OH)

Some of these accounts have been paid off like my possible loan for {$310.00} that was paid off years ago, Ive tried through out the years to get it took off the report but it still is there. Its causing me issues also anything that is added to myself and is accurate would say XXXX XXXX XXXX of it says anything else its obviously inaccurate
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (NY)

PlayStation credit card issued by Comenity bank advertises a promotion for a {$50.00} PlayStation store card and free game credit up to {$75.00} on first purchase and {$500.00} spend respectively ; to be issued within 14 days of meeting requirements. Over 14 days after meeting requirements and Ive contacted Sony rewards customer service multiple times regarding the promotion but have not received any response, Im simply told the issue will be escalated, but after 10 days I havent received any communication. I have the emails detailing and confirming the promotion and the credit card statements showing Ive met the requirements and the dates on them.
Consumer complaint received 2023-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tower Loan of Mississippi, Inc. (IL)

On XX/XX/XXXX, I accepted and cashed a check mailed to me from Tower Loan in XXXX, IL in the amount of {$4000.00}. On XX/XX/XXXX, I went into the office located at XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX and I made my first payment, via cashier 's check, in the amount of {$300.00}. 
On XX/XX/XXXX, I went into the office located at XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX and I paid, via cashier 's check, the remaining balance of the loan IN FULL an amount of {$3900.00}. 
Now I receive calls from Tower Loan daily. They have called relatives, friends, neighbors, and associates to collect a debt that is already paid. I have made copies of all my documentation and receipts and mailed them copies via certified mail. I have let them know I do not owe any debt and also that if there is any discrepancy to please send documentation via mail. They have not done so as of XXXX, XXXX, XXXX.
Consumer complaint received 2019-03-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC (IN)

I have XXXX XXXX XXXX loan XXXX. I have no way to contact them directly and wonder if the statute of limitations has expired. I can not get a response from them. I don't know if I am part of the XXXX   lawsuit but they are now trying to sue me, they've filed a civil complaint against me. The loan is from 2007.
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NY)

Received two letters dated XX/XX/2020 for two credit card accounts from " CHASE Card Services '' and " CHASE Cardmember Services ''. Subject : " Update : You have only used some of the available credit on your Freedom account '' The body of the letter have my account ending numbers, my name and the following text : " In reviewing your credit card account, we saw you spent far below your available credit limit in the last 12 months. Because or your limited usage, we're lowering your limit to {$13000.00} 30 days from the date of this letter. '' The credit limit as of XX/XX/2020 is {$26000.00}. This action would reduce my available credit to less than half the current amount. 
Subject : " Update : You have only used some of the available credit on your CHASE SLATE account ''. The body of the letter have my account ending numbers, my name and the following text : " In reviewing your credit card account we saw that your payments are low compared to your balance, and you spent far below your available credit limit. As a result, we're lowering your limit to {$7200.00} 30 days fro the date of this letter. '' The credit limit as of XX/XX/2020 is {$14000.00}. This action would reduce my available credit to less than half the current amount. 
These actions would destroy my credit score which is currently at a range of XXXX ( XXXX  ) to XXXX ( XXXX  ) as of XX/XX/2020. This action would have a negative effect on all of my credit accounts and my credit score. 
Chase Bank set these credit limits, not me. I am being penalized for being a responsible customer. This is not fair, and should be illegal under the " Equal Credit Opportunity Act ''. I have 3 credit cards with Chase, one of which I requested. The other two accounts were with other banks which Chase bought and issued their credit cards. I have been a loyal and responsible customer of Chase for many years and this action is despicable. I would close these accounts but that would only do more harm to my credit score. I am being discriminated against for being a responsible credit customer. Chase has become a loan sharking company, if they can not collect late payment and sky high interest they destroy our credit rating. 
Please make the multi-billion dollar corporations subject to the law. American consumers are powerless to protect our hard earned credit worthiness under this system.
Consumer complaint received 2023-02-23
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: AMERICAN HONDA FINANCE CORP (FL)

It started on XX/XX/XXXX, I contacted America Honda Finance, also known as Honda Financial Services, about them reporting an account on my credit report and which I had no knowledge about. I mentioned I was a victim of identity theft in the past and continues to happen. They told me to contact the dealership who reported it to them, XXXX Honda, who I have contacted. They claimed I had originally asked about a Honda Passport and my business was denied credit but did not state any vehicle was in my name or purchased. I called back Honda Financial, and they kept on insisting they could not do anything and I would have to contact the dealership. They also stated I would have to make payments towards this account, or my credit would be showing late payments. I have been making payments since due to my construction business and I use my personal credit to obtain loans and could not afford to allow any late payments on my credit. On XX/XX/XXXX, I spoke with a XXXX, Honda Financial, and stated he would put in a request to investigate this matter. I was told I would receive a Identity Theft Affidavit, which I filled out and notarized and faxed to Honda Financial on XXXX XXXX XXXX I have yet to hear anything back and this account is still reporting on my credit report. I will stop making these payments as for over 6 months now, Honda Financial has done nothing and ignoring my requests to remove this account from my credit report. 
I've also emailed Honda Financial a Federal Trade Commission Identity Theft Report, reported on XX/XX/XXXX. XXXX police have also been notified of this situation. On XX/XX/XXXX, I called to check receipt of the Identity Theft Affidavit, i talked to a XXXX, who gave me an email address to send copies to as she did not see that in the system. XXXX hung up the phone on me after stating she would go look at what i emailed her. I have sent 2 emails to her since and no responses at all. I do not own a Honda XXXX  nor ever purchased one from XXXX Honda.
Consumer complaint received 2023-02-23
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. (GA)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. the company has also NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4 XXXX  XXXX XXXXXXXX FOR {$680.00} XXXX XXXX XXXX XXXX {$550.00} XXXX  FOR {$680.00}
Consumer complaint received 2023-02-23
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. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CITIBANK, N.A. (TX)

XXXX XXXX Credit Card & Home Depot Credit Card..Accounts was open due to Fraud & doesn't belong to me & i have submitted & FTC Report due to Fraud & are refusing to remove it from my Credit Reports
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Experian Information Solutions Inc. (NV)

made my proper payments to XXXX XXXX XXXX for the month of XXXX and XXXX someone that works for XXXX XXXX XXXX XXXX was able to use my information and get my payment funneled into their hands by acting like a representative of the company trying to receive my monthly payments I realized in XXXX that the payments I made for XXXX and XXXX where not properly placed and not applied ruining my perfect credit history this needs to be fixed and show that was I never late on my payment
Consumer complaint received 2023-02-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (NC)

I received a call from a XXXX XXXX XXXX collection agency saying that I was being placed in collections for a spectrum account. I informed them that the account they were calling about was not mine. I proved this to the collection agency and spectrum. The agent reviewed my account, noticed that all billing statements were in another person 's company name, and went to that company 's billing address. I was listed as an authorized user on this account. I did not give permission to any of my personal credit information to that company 's account. I worked for that company, which is why I was listed as someone who could call in and make changes. The Sunrise agent sent she placed the account with their fraud department and told me that they would remove this item from my credit report, and it would take up to 60 days. It has been over 60 days since I spoke with them in XXXX of 2022. I want this account removed from all of the credit reporting agencies as this is not my account.
Consumer complaint received 2023-02-23
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. (AZ)

In accordance to the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected censumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date Removal date XX/XX/XXXX XX/XX/XXXX XXXX Inquiry date Removal date XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Inquiry date Removal date XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Inquiry date Removal date XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  POTENTIALLY NEGATIVE Balance Balance updated {$710.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX LATE PAYMENT Balance Balance updated {$25.00} XX/XX/XXXX. XXXX XXXXXXXX XXXX LATE PAYMENT  Balance Balance updated {$130.00} XX/XX/XXXX XXXX XXXX Balance Balance updated SO XX/XX/XXXX Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report, agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( 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 2023-02-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (MD)

I have only ever used Venmo one time in XX/XX/2021. I paid my friend XXXX back for Thai food. I tried to use Venmo last year to send my sister money but found my account was suspended for violation of their acceptable use policy. I've been unable to load their acceptable use policy on any device, but I can't imagine I broke any rules. My only transaction was paid without issues. They refused to unsuspend my account last year, claiming I was in violation. I'm trying again but can't understand how I'm even supposed to get my account cleared. There are no instructions anywhere. I sent a generic help request for lack of a better path.
Consumer complaint received 2023-02-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

i recently seen some inaccurate and incomplete information on my credit report from the CRA 's ( XXXX, equifax, and XXXX  ). I sent them dispute letters on XXXX XXXX, requesting documentation and the validity of the alleged debts, 15 USC 1681 and have not yet received anything. 
Equifax certified # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-24
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. (MS)

I have contacted credit bureaus XXXX, XXXX, and Equifax about false inquires on my credit report impacting my credit in a negative way, however they still have not removed said inquiries and information form their reports. Ive called and sent letters and am still waiting. I want them to remove these inquiries and false information!!! XXXX XXXXXXXX XXXX inquiries on XX/XX/XXXX and XX/XX/XXXX and XXXX XXXX, XXXX on XX/XX/XXXX.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

What happened - 1 ) On XX/XX/XXXX Bank Of America closed my {$9000.00} line of credit cards without notifying me and my credit score was dropped by 41 points because of that. I have that credit card since 2015 without ever being late and always have my auto pay set up from bank of america checking account. Amount due was only {$180.00} where as I have a balance in my checking account {$70000.00} + 2 ) On XX/XX/XXXX Bank of America reported 30 days late on my credit report and my credit score dropped by another 45 points because of the reporting. Because of their own glitch in the system due to Covid-19 and high volume of traffic they could not process the payment even though I had auto pay set up. 
What I did - Since XX/XX/XXXX I have been trying to get hold of BOA over the phone to let them know I might delay my payment because of pandemic. After continuous 2 weeks of trying nobody answer the phone over two hours of waiting and automated message. Finally I got through by email in 1st week of XXXX and they have accepted my request and even after accepting request they have reported late in my credit report and closed the credit card??? By doing so they have ruined credit and now I can't get my house refinanced!!!