davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-14
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XX/XX/XXXX/XX/XX/XXXX and on XX/XX/2019, CAPITAL ONE add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-05-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Lendmark Financial Services (WI)

This is about LENDMARK FINANCIAL in XXXX, California This is the 2nd time this company lied and went back on what they told me. The first time is when I got the loan, XXXX told me after 1 year, I could refinance. I made my payments on time ( even paid before the due date ) and 1 year later when I wanted to refinance, he told me they don't refinance. Now, the household has been affected by covid, and XXXX said they are giving their CUSTOMERS relief by refinancing the loans and first payment not due until XXXX. She also stated that she needed a correct number to send a text to for a link to sign documents. She said I wouldn't need to submit anything else, and she'd call me back in half hour to 40 minutes. I ended up calling back an hour and a half later, at this time she told me she couldn't do it because i would have to come into the office to sign papers, i reminded her she said they could be done online like she stated about a link sent in text, then asked what if we came into the office. She then said because we don't live there, their company won't do it. She then said she could send me the papers via email to sign for a deferment, when asked if it will affect us, she said it wouldn't, it would just show a late payment on our credit. Which affects us! I reminded her I AM a customer, and this virus is Nationwide, I was sent the deferment by email, I already called the main office, am told up to 5 days for someone to contact me, the loan is due today! They sent documents via email, there's no reason they can not do the refinance online as XXXX said they could initially. I AM a customer, I have paid my car note for almost 2 years now! Never being late! We are affected by covid 19! We do not want a late payment on our credit! I want this taken care of today and refinance the loan with no payment due until XXXX as told by XXXX.
Consumer complaint received 2020-12-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

your agency reported this derogatory account without following the federally mandated procedures, your agency has bypassed your mandated allotted timeframe to respond and failed to validate the debt, as well as the several other violations mentioned above. Reportthatthedebtisdisputed and remove this account from my credit files. I will file civil lawsuit against any and all companies and/or agencies that assist XXXX in continuing to violate my Consumer Bill of Rights, Fair Debt Collection Practices Act and the Fair Credit Reporting Act that cause undue, unjust and derogatory effects to my credit. I will bring acivil lawsuitagainst XXXX XXXX statecourt. I will prove XXXX XXXX violatedtheFDCPA. I will collect {$1000.00} in statutory damages, and more since you have negatively affected my credit score after I have been diligent in maintaining a high credit rating and have suffered harm from your violations. This account has been removed 4 times and has bypassed the allotted timeframes. They never validated this debt and can not come back 5 collection agencies later and multiple collection agencies at the same time and still attempt to collect an an incorrect amount with an incorrect account number with incorrect information with invalidated information. This is ridiculous to do this every year. Mind you all these letters are certified and proof that your agency removed this account MULTIPLE times in 5 years And keep adding it back
Consumer complaint received 2020-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

This all started when I received an email asking if I would like to make big money working from home and I clicked yes. XXXX XXXX then called me via phone and said that I had inquired about working from home online. We talked and they told me they could teach me how to make money selling items on XXXX and XXXX. They also stated they would build me a website included in the costs. We then talked a little longer and I asked, what will all this cost me? and the gentleman stated that the cost for the training and website setup would be {$14000.00}. I told him I could not afford to pay that much money, he then proceeded to tell me I could put it on a credit card in which I would have 30 days to pay it off. He stated by the end of the 30 days I would be making well enough money and could pay the {$14000.00} back. I proceeded to put the charges on 2 different credit cards ( Citi and XXXX ) believing what he told me would be possible. XXXX   XXXX had their coaching team contact me and we set up coaching sessions with XXXX. XXXX trained me an hour once a week or sometimes an hour and half. The coaching program was all based on the time they had available. The coaching also consisted mainly about selling items on XXXX and not XXXX and XXXX. I found out later that you could learn how to sell on XXXX for free on their site. Once the website was finished, I looked and honestly it was so basic my grandson could have done a better job. I called XXXX and he showed me how to log on to the site and change the font along with other things. I then cleaned the website up myself to the point where I thought it looked better. Back to the training/coaching sessions. I never once received any training regarding selling on XXXX. I also never received any training/coaching on Social Media Advertising for example XXXX, XXXX, XXXX, I had to learn that all on my own. They also set me up with a drop shipper named XXXX XXXX which has been unsuccessful at making any money. I have an address for XXXX XXXX which is in XXXX XXXX, but all the phone contacts are in Washington State. I have been misled and pressured into services that were not needed. I would like a refund for the full amount as you can see, they misled and deceptively sold me. They told me that in 30 days I would be making well enough money and could pay the {$14000.00} back when in fact I havent made a dime.
Consumer complaint received 2020-12-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

Equifax refused to remove inaccurate account that has not been validated. Equifax continues to accept summarized typed documents from XXXX XXXX to continue Equifax to keep the account in my credit report. 

Equifax refused to properly investigate the account or the account balance. XXXX XXXX has given no validated SS or Driver license or proof of Balance. They keep typing up a letter and Equifax allows this and says account validated it is not
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY (PA)

Around Monday XX/XX/20 I called Wells Fargo to ask for COVID impacted relief, my payment was due on XX/XX/20. 

Customer rep promised that he adjusted my account and {$0.00} payment should reflect in a few days. I no longer need to make a payment for the next 3 months. 

A confirmation # was not given to me, because it was an extraordinary cirmustance and is handled internally. 

I called back to speak with another customer rep - to verify and was told that my account was marked successfully for {$0.00} payment for 3 months. 

On XX/XX/20 My account was marked late due to non-payment. 

I called again to speak to a customer rep, this time they told me that I had payment deferral for 1 month not 3 months - but she made it for 3 months. The reason my account was showing late payment is because it hasn't " circulated '' yet. " They're letting all accounts go overdue and then correct them all at once instead of going into each account one by one, they have far too many cases '' She said to wait a few more days till my account recycles and there any payment due will be marked at {$0.00}. 

I waited a few more days, and then got a letter in the mail that my account was being reported to the Credit Bureau as missed payment. Even though I was told explicitly not to make any payments. 

Now I have a missed payment derogatory claim on all my credit reports.
Consumer complaint received 2021-05-29
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$3000.00}, {$2800.00}, {$0.00}, {$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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-12-14
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: EQUIFAX, INC. (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, EQUIFAX MORTGAGE SERVI add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-05-04
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc (GA)

I was contacted by a representative of William and fudge, XXXX, in XX/XX/2018 about a so-called school debt. He demanded immediate payment. I requested to have proof of the debt and he was unable to do so till this date. He only could articulate {$5100.00} and stated that's an amount that the school sent to him. My school loan balance is XXXX. It's an extra 26.58 % of the amount of the school loan balance if it is indeed that school. This is a criminally usurious misdemeanor according to Florida Usary law. Also, they are in violation of the FDCPA : The debt was disputed and was never proven- William and Fudge is using unfair practices ( collecting extra amounts ) and harassing phone calls.. 
I was not allowed to satisfy the supposed school loan balance after I am given proof or breakdown of the debt.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (VA)

I PAID THIS ACCOUNT OFF LVNV FUNDING LLC ON XX/XX/2020 THEY PROMISED THEY WOULD REMOVE IT FROM ALL 3 CREDIT BUREAUS IF I PAID IT BECAUSE IT WAS TOO OLD TO SUE FOR. SO I DID PAY IT OFF AND THEY DID NOT REMOVE IT FROM CREDIT BUREAUS.
Consumer complaint received 2018-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (WI)

I was previously enrolled in a XXXX XXXX XXXX ( XXXX  ). I last deposit to XXXX was in XX/XX/2017. XXXX and myself notified all creditors that I enrolled in through XXXX that my services were withdrawn. Synchrony bank ( Wal-Mart, PayPal, & XXXX XXXX XXXX card services ) refused to acknowledge this and continues to report to all credit report agencies for three of my Synchrony Bank Credit Cards are managed by XXXX. I have submitted three separate disputes to all CRA 's and Synchrony bank without success. Each time I provided the official letter from XXXX and a personal statement verifying my withdrawal from XXXX. I have been managing my own financial responsibilities and making on-time payments through my financial institution bill pay services. Synchrony Bank is not complying with the Fair Credit Reporting Act by continuing to report inaccurate information to all CRA 's.
Consumer complaint received 2020-11-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc (VA)

bull city placed two accounts from XXXX hospital in collections on the 3 credit bureaus I applied for and was approved for 100 % financial assistance and Bull City the collection agency for XXXX was to notify all credit bureaus and remove the amounts of {$840.00} and {$310.00} and will no do so. I have the letter showing I was approved I spoke with XXXX and they informed me they had spoken to Bull City and instructed them to remove them from my credit reports and they still have not. I included the letter showing I was approved and they go back 3 years and pay.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I already sent a complaint here that I sent a dispute letter asking for verifiable proof of the accounts on my credit report. And I sent a follow up letter because I did not get a response to the original dispute. I don't know if someone is playing games with me or what, but you responded back that you don't believe it's me sending the complaint. Well it is me, and my complaint is that XXXX is the date of my original dispute, XXXX is the date of my follow up letter because I didn't get any response from you regarding the dispute of these accounts XXXXXXXX XXXX-acct XXXX and XXXX- acct XXXX. Section 611 ( a ) states that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been well over the time allowed according to the codes and laws so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that you are causing me. I have included my dispute letters, a utility bill, my drivers license, and my social security card to make sure you know that this is me filing these disputes and complaints. Also, my information was impacted by the XXXX  data breach and probably the wrong person got a hold of my info.
Consumer complaint received 2019-10-22
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CITIBANK, N.A. (PA)

We are participating in a debt relief program and all of the companies in which we owe debt in the program, were notified of our situation and the program by XXXX XXXX XXXX. 

On XXXX, XX/XX/2019, a debt collector, XXXX, from XXXX XXXX XXXX, contacted my husbands work number. The phone number that they called from was XXXX. The phone number that they told my husband to call was XXXX. It is not okay to call my husbands employer regarding this matter, especially since they are aware of us being apart of the program and trying to pay this debt. 

If you have any questions for us regarding his matter please contact us. 

Thank you!
Consumer complaint received 2022-02-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (PA)

To whom it may concern, I, XXXX XXXX am writing you as an aggrieved man. My identification was stolen, and a WELLS FARGO bank account was opened in my name without my knowledge and or consent. I, XXXX XXXX am not and have never been a customer of WELLS FARGO. I have obtained a police report regarding this fraud and am forwarding it along for you to view. Please remove this fraudulent debt out of my name poste haste. Thank you. 


I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. You can not add interest or fees except those allowed by the original contract or state law. Any attempt to collect this debt without validating it violates the FDCPA. Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission, and the XXXX XXXX XXXX. I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau XXXX CB ) XXXX then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor, so they are also aware that I dispute the debt. 
Furthermore, reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. If your offices have reported invalidated information to any credit reporting agency, said action might constitute fraud under both Federal and State Laws.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I wrote to the Attorney General about this erroneous debt collection from XXXX XXXX XXXX. I had 2 auto loans during the period of XXXX to XXXX and was overcharged and taken advantage of for having poor credit, being charged over 23 and 26 %. I reported this to the Office of the Attorney General and was supposed to be included in a Class Action Lawsuit led by Office of the Attorney General in Illinois and XXXX XXXX was ordered to be the Administrator and they sent out notices for money damages and also consumers would be allowed to keep their current vehicles and others have their past loans forgiven by having their credit reporting be removed. I am a part of the class action and I got a letter from the Attorney General 's Office in CA and have sent them several emails and certified letters that XXXX was NOT removing their collection of over {$13000.00} from my credit report. To this date, it still shows up on ALL my 3 credit reports. I have written to ALL the credit bureau agencies and showed them this letter and they also continue to break the reporting laws and XXXX continues to be defiant and harass me and ruin my life by failing to remove this from my credit reports. I can not get any good decent job for almost 7 years now and I can not buy any decent car nor a decent home with the poor credit. I want money damages for this and immediate removal from my credit reports. I want CFPB to enforce the laws and help me with this!
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX SSN : XXXX DOB : XX/XX/XXXX File : XXXX Re : Account : XXXX Account XXXX ( Under maiden name, XXXX XXXX XXXX XXXX To Whom It May Concern : XXXX XXXX  continues to report incorrect information on my credit reports. This was a car loan for a car that was a total loss in an accident and paid by my own insurance, and by GAP insurance provided by the lender. When the loan was paid off, I received an overage check that is attached. This should serve as proof that the account is paid in full, not charged off and should have no late payments since the payoff date of XX/XX/XXXX. 

Please remove this item from my credit report using the attached canceled check as proof of payoff. Thank you. 

Sincerely, XXXX XXXX XXXX