davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-20
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: United PanAm Financial Corp. (LA)

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS. I HAVE ATTACHED SOME LETTERS THAT I HAVE SENT TO THEM IN THE PAST.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (OH)

I previously banked with Truist bank where I used the account to receive a portion of my work direct deposits for savings purposes. XXXX sat pending for several days so on XX/XX/22 I attempted to access the account online and access was restricted trying to login to my account. I then contacted Truist customer service line and spoke with XXXX mentioned to call back in 24-48 hours for an analyst to review my account. 

On XX/XX/22 called and spoke with XXXX who mentioned no email was sent and the account was closed for XXXX weeks and no check had been issued. Advised I call back later in the day. 

Later that day I spoke with XXXX and was told this was an early warning service regarding fraud and the account was not closed. After being on hold for over an hour the line was disconnected. I called back and spoke with and spoke with XXXX and XXXX who said they cant help and to go to a branch. This was not acceptable as I had never been in a branch as everything was opened online. 

I spoke to XXXX and the a supervisor named XXXX who claimed Someone else is using the account and Fraud was evident. I ended up being disconnected after being on hold for XXXX hours. 

On XX/XX/22 I went to the XXXX XXXX branch and spoke with XXXX who told me the account was closed and a fraud warning from new accounts was present. He stated he would respond back when he heard something. 

I received no contact and called back XX/XX/22 and spoke with XXXX in the branch and was told XXXX was out of office and she would look into this. She returned my call XX/XX/22 and left a voicemail stating XXXX would reach out to me. 

I then reached out a few days later, but did not write down the date. I spoke with XXXX, a supervisor, and was told the account was in fact closed and she could not provide any further details but assured me a letter would be mailed as well as my funds distributed. 

No mail or phone contact was made by Truist and on XX/XX/22 I contacted the branch and spoke with XXXX and was told XXXX would reach out to me today. He did not return my call, but sent an E-mail at the very end of business hours stating Back on XX/XX/XXXX, I received an email back from our fraud department and they said that we can not reopen the account, can not give you the funds, and they could not give me a time frame on when they would be done with their research. They said that we are exiting the relationship with you and that you will be receiving a letter. There is nothing else that we can do at the branch level. 

I have not received a reply. At this point the bank is admitting my account is closed, but refusing to return my funds which I currently need to pay taxes and other end of year essentials that I was budgeting for.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2023-01-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (SC)

Did a payment plan and they then refused to honor then did a consumer payment plan and they continued to refuse payment and stated it was repossessed and showed in collections when I actually had the vehicle and continued to make payments
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was provided an offer of credit card issued by Bank of America in XX/XX/XXXX which had an XXXX XXXX Promotional APR for a certain period of time. 

I accepted the offer and received a credit card soon. 

However, I have never received any notification from Bank of America to specifically let me know when the XXXX XXXX Promotional APR ends. 

On XX/XX/XXXX, I accidentally found my credit card was charged of very high interest for two months : Interest charged for XX/XX/XXXX : {$280.00} Interest charged for XX/XX/XXXX : {$270.00} On XX/XX/XXXX, I called BOA customer service to see if there is any resolution to reverse the interest charged, but my request was declined. 

On XX/XX/XXXX, I went to the BOA branch in XXXX XXXX, XXXX and paid off all of my current balance of {$17000.00}. Then I called BOA customer service again to see if I can request a reverse of the interest charged, but again my request was declined. 

On XX/XX/XXXX, my credit card was charged of another interest of {$210.00}. 

On XX/XX/XXXX, I went to the BOA branch in XXXX XXXX, XXXX to speak to the representative, asking why I still have interest charged even after I paid off all of my credit card balance. I was told that the interest charged on XX/XX/XXXX was for purchases made for the previous month. 

I was trying to explain that Bank of America had never sent me any type of notification to specifically notify me the date that the XXXX XXXX Promotional APR of my credit card ends. If I were notified of the ending date of the XXXX XXXX Promotional XXXX, I would have paid off all the balance to avoid high interest rate. 

As a consumer, I feel its unfair for the bank to ignore or fail to notify the consumer about the critical timeline/date that have a dramatic impact on their interest/benefit such as change of the interest rate. Their failure to do so is apparently an action of taking advantage of their consumers. I hope Bank of America can fix their policy to prevent this problem.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have a charge off with the XXXX XXXX XXXX  company. I paid this card off and it should just say paid off. It is impacting my credit negatively when I paid the full balance. I wish to get this off my credit report.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

Due when the nation was getting a stimulus check. My account was very low, and when the XXXX was put in my account, there was a XXXX deposit it my account as well. I didnt know where the XXXX came from. Well almost a month later, Wells Fargo took the XXXX out of my account leaving me negative. I called, sent emails and tried to call corporate. To no avail I was forced to close the account after 5 years plus.
Consumer complaint received 2020-04-29
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. (FL)

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX XXXX {$480.00} XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$960.00} XXXX  XXXX {$380.00} XXXX XXXX XXXX {$1200.00}
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NC)

During the Covid pandemic I was late on a payment when my unemployment benefits ran out after being on them for 6 months. I was a period without benefits because I had exhausted my Connecticut benefits which was the state I was living in at the time. Due to me having moved to Connecticut recently I was not eligible for extended benefits and was told I had to file in my previous state of residence which was Arizona. That took time and I went without any benefits for 3-4 weeks. I was 30 days late on 1 payment because of this and I am asking that Comenity bank please remove this from my credit report. All other payments were made on time and as soon as I started receiving unemployment benefits. I am in the middle of having a house built and this one of the two bad things really holding my score down. My payment history is 100 % ( not sure how because of this late payment but it shows 100 % for XXXX and XXXX. So again I am asking that Comenity bank in goodwill due to the pandemic please remove this late payment.
Consumer complaint received 2023-01-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Office of Edwin B. Parry (UT)

When discussing with original creditor they've advised debt is with a different company. This law office is not mentioned they also will not work to set up payment arrangements advising they will continue to send to courts. Balances also don't match what insurance shows in XXXX. 

Original creditor has also failed to bill to secondary insurance that was available at the time of some ofbthe services. They also failed to offer any realistic payment options.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BANK OF AMERICA - XXXX This account was closed but was reported late due to annual fees being accessed. If the account was closed, there should have been NO annual fees. I have been reported late to the credit bureaus and that is completely inaccurate. Delete this account right away.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (CA)

I am helping a family with a home loan and the lender that we are working with ran my credit report. The next day ( This morning ) i have received over XXXX unsolicited calls from various lenders. XXXX of them told me that XXXX shared this info as I ran my credit yesterday. I did not authorize anyone to contact me and this harassment continues as I am getting non-stop calls. This needs to stop immediately. These credit reporting agencies have no business sharing my cell phone and contact info with lenders without my explicit permission.
Consumer complaint received 2020-08-27
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MOHELA (MD)

MOHELA/U.S. Department OF EDUCATION } in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing { Seriously past due date/collection, my account was charged off $ XXXX {$2500.00} } in ( XX/XX/2016 )
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: HYUNDAI CAPITAL AMERICA (MA)

Back in XX/XX/XXXX, I leased a car through XXXX XXXXXXXX in XXXX MA. ( Which is now a XXXX XXXX ) I already was not happy with my purchase experience. 
Now, This past XX/XX/XXXX, they repoed my car, with no warning & I still haven't got a full explanation of the exact reasoning. 


In XX/XX/XXXX, I was laid off because of the Pandemic, and currently still am. I did email to ask to defer payments, like they offered but didn't receive a response. 

In XXXX, There was an error in taking money out of my account, but in my bank statements, you can see I put the money into my debit that day for my monthly car payment. 

Faithfully, ever since and before this - Hyundai has taken my monthly payments out like usual. 
ON XX/XX/XXXX around XXXX XXXX - My car was repoed out of my fathers driveway. No warning. ( I didn't think anything was wrong, considering my monthly payments were being taken out per usual. ) Shocked this was happening and it was too late to call anyone, I checked every account I could. 

My hyundai account said I had a balance past due of " {$880.00} '' and said the total due was {$1100.00}. 
The woman I spoke with the following morning, said i had to pay {$1300.00} for them to tell me where my car was and {$120.00} cash to go pick it up an hour away by XXXX ( it was XXXX XXXX ) or they could auction my car if they wanted. 

From my account it looks like the total I was charged was {$1300.00}. 

On XX/XX/XXXX, I sent Hyundai a check for {$1400.00}, I checked with my bank, and yes Hyundai did cash this money electronically, but never posted it to my account. 

The following day, XX/XX/XXXX I called and they said I had to wait a few days for me to get out of " repo '' and help me further with my account. 

XX/XX/XXXX - I called and then asked to be transfered to a supervisor, after getting no help - but he also told me he can not help with Repo 's. 
I asked about the missing check, he agreed they have no record of it and to mail in a bank statement to California but said " once we process it, it will be in your account '' My credit score also went down MAJOR because of payments they say I haven't made. 

I am XXXX year old girl. I work hard to make all my payments in a Pandemic. 
Of course, if I thought I had owed money, I would have paid. 
Now, this is going to affect so many things that I won't be able to do in the near future because of bad credit I don't believe I should have. 
I have money that is missing & unaccounted for, and every payment I have been told I owe is different.
Consumer complaint received 2023-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

My wife handled all of our bill paying up until she XXXX  last XX/XX/XXXX. Recently I was told by a woman I had hired to help me with legal services that she was going to serve my work with wage garnishment papers. I asked her from who, about what? Why would my wages be being garnished. She refused to tell me so I looked up my court record and my credit history on XXXX XXXX. Apparently since XXXX several credit companes and companies who bought debt from credit cards have been taking me to court over credit cards in my name. I was not aware of any credit cards in my name. I have not taken any out. Clearly my wife XXXX XXXX, or my daughter XXXX XXXX, mustve taken these cards out in my name, ran them up and hid the statements from me. My wife always got the mail, I never even had the mail key til she died. Now I am getting stuff from companies and I dont even understand what it all is. All I know is that I did not sign up for any credit cards. So all of them were taken out by someone in my name. The companies I found on my court record that have apparently gone to court over this debt are : XXXX XXXX XXXX ( bought debt from XXXX ), XXXX XXXX XXXX XXXX XXXX Bank and Portfolio Recovery Associates. My credit report says these companies I also have debt with despite me not taking out cards or loans with them : XXXX, XXXX XXXX Co, and XXXX XXXX XXXX. Please investigate these fraudulent accounts and see who actually took them out in my name.