davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-11
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. (TN)

I obtained a copy of my credit report a month and found some incorrect items. I contacted the credit bureaus via mail. According to the law they are suppose to reply within 30 days. I have not heard anything back from them. This incorrect reporting has harmed my financials, my ability to get credit, XXXX loan and even a new job.
Consumer complaint received 2020-09-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

a signed for a 60 months term. every month I pay extra to principal in order to finish faster. the problem is that the charge me interest on the extra payments and also they keep them as a credit in the account, calculate the interest and then apply the extra to the account. Last month my payment due was {$380.00}. I paid a total of {$800.00} and they applied it the following way : Reg. payment : XXXX Principal XXXX Interest XXXX Payment XXXX Principal XXXX Interest XXXX principal pyment XXXX Why they charge me interest on that XXXX if it was part of the almost {$410.00} I paid extra to principal?. Why the interest is the same if a payment was made and even knowing that should not be charged they calculated the interest over the same previous balance? 
That happens every time and they say to me that I do not know how it works.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Today I made a payment to my credit card using a checking account that I've used in the past. Capital one restricted my account and when I called them they wanted me to call my bank with them on the phone to verify my bank account was mine. To complete the request, I would have had to give the bank my social security number, date of birth and other private information with the Capital One representative on the line. I didn't mind calling the bank, but it is very strange that the representative wanted to stay on the line why I shared that personal information. They wanted bank account numbers and account numbers as well. I requested that the bank rep call me privately so they may have the info they need to verify that I am me so they could share with Capital One that this was my account. Capital One would no longer allow me to use my credit card or make a payment to my account because I would not call my bank with them on the line and share that info. I do not understand why a company would put me in a situation for my personal information at risk. The most interesting part is when I refuse to do this I requested they close all my Capital One accounts which they were happy to do without verifying who I was.
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (DE)

FedLoan Servicing reported me as missing my payments in XXXX, XXXX, and XX/XX/XXXX. This was put on my credit report. I was a student at the University of XXXX at the time and my enrollment was at least half time. My federal loans should have been in school deferment. 
I talked to Fedloans over the phone and sent them a letter on XX/XX/XXXX and sent them documentation that I was elegible for in school deferment durring the times that if was reported that I missing payment. Fedloans responded with a letter dated XX/XX/XXXX which stated they had sent the corrected information to the comsumer reporting agencies to wich the incorrect information was previously reported to. However this infomation is still on my credit report.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I was about to apply for credit and looked at my credit report and was amazed at all the inaccurate and false information in direct violation of the Fair Credit Reporting Act. On the Attached Identity theft report the listed accounts has violated my state and federal protected consumer rights to privacy and confidentiality under 15 USC 1681. This law says i have the right to privacy and under 15 USC 1681 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In addition, 15 USC 1681c ( a ) ( 5 ) states No Consumer reporting 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. And lastly under 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 or has reason to believe that the information is inaccurate. 

Accounts for deletion : XXXX XXXXXXXX reported XX/XX/XXXX Past due {$2400.00}, Accounts for deletion : XXXX XXXX reported XX/XX/XXXX {$4000.00} Accounts for deletion : XXXX XXXXXXXX reported XX/XX/XXXX Account for deletion : XXXX XXXXXXXX reported XX/XX/XXXX {$700.00} Accounts for deletion : XXXX XXXX ACCOUNT FOR DELETION : XXXX XXXX REPORTED XX/XX/XXXX {$590.00} ACCOUNTS FOR DELETION : XXXXXXXX XXXX XXXX reported XX/XX/XXXX {$18000.00} Accounts for deletion : XXXX
Consumer complaint received 2021-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO (GA)

I called into Popular Credit Services around XX/XX/2021 to cancel my XXXX XXXX credit card. The annual fee appeared on that monthly statement, and I no longer felt the card was worth the fee. When I called in, the representative assured me the card would be closed and annual fee credited. I had made a purchase in the amount of {$33.00} that was also on the statement, so I sent in the payment for {$33.00}, with the rest of the amount due ( {$59.00}, so XXXX = XXXX total on the statement ) to be credited due to canceling the card. 

After traveling for two weeks, I returned home to find two credit card statements and a notice of late payment, showing the {$59.00} was never credited and assumedly the account still open. Due to the apparent non-timely delivery of the statements, the current balance is purported to be {$59.00} + {$0.00} interest + $ {$29.00} late payment fee + {$0.00} interest. None of this is justified as the original {$59.00} should have been credited due to calling in to close the card.
Consumer complaint received 2020-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

this started on XX/XX/XXXX their was a lot of unauthorized fraudulent transactions made by playstation/sony in my card. I have been going to my local bank almost everyday and they have not helped me as much, I just wanted to know whats taking so long for them to dispute my transactions i have bills to pay and was wondering if i can get this situation fixed sooner
Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: Westlake Services, LLC (CA)

My credit report shows inaccurate activities my identity has being stolen cause it shows accounts I never open in different locations and I never being out of XXXX XXXX I am trying to rent a place for my family and my credit score is completely ruin! 
Please I need help
Consumer complaint received 2022-10-10
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. (CA)

THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-02-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (TX)

XXXX # XXXX Please investigate BRANCH NAME : XXXX XXXX  XXXX XXXX : Full Service Office STATE & COUNTY : Texas - XXXX XXXX XXXX XXXX : XXXX ZIP XXXX PHONE NUMBER : XXXX OFFICE XXXX XXXX XXXX, XXXX, TX XXXX Wells Fargo embezzled or stole my money !!! 

They never sent me any new information about my new Wells Fargo account number. You stole my XXXX money from a old XXXX XXXX account that had since 1995 at the branch on XXXX XXXX XXXX, XXXX, TX XXXX. 

( XXXX ) I was working at the original XXXX XXXX XXXX when it was XXXX XXXX XXXX. I cashed and deposited my paycheck there. 

( XXXX ) I used to walk to XXXX XXXXXXXX XXXX to deposit my paycheck. 

( XXXX ) My old phone number was ( XXXX ) XXXX. 

( XXXX ) The last XXXX of my ss # is XXXX. 

( XXXX ) The last XXXX of TDL # is XXXX ( XXXX ) My address at the time I opened the account at that branch was : XXXX XXXX XXXX, XXXX, Texas, XXXX
Consumer complaint received 2022-08-12
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. (SC)

XXXX  XXXX XXXX / {$2100.00} / XX/XX/XXXX This debt is too old to be on my credit report. There are inaccuries in the dates reporting. The date this account was closed was XX/XX/XXXX. But then its also reporting a payment in XXXX which is inaccurate. I did not make any payment to this company after the closing of the account in XXXX. The account should have been off my credit as of XX/XX/XXXX. According to the Fair Credit Reporting Act as well as the statue of limitations
Consumer complaint received 2021-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (NV)

Th auto loan hard inquiry was NEVER authorized by myself. I ONLY gave consent to XXXX XXXX Auto Fianc to obtain a copy of my credit report per a pre-approved offer.
Consumer complaint received 2024-12-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: ALLY FINANCIAL INC. (NY)

I got a letter with a debit card to be activated it was from Ally bank which I have no account with or never had any transactions with. As usual I called the bank and was asked for personal information ie name date of birth last four of ssn and mothers maiden name. I just find it very strange that a bank debit card with my name be addressed to me that I have no business with
Consumer complaint received 2021-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IL)

I previously submitted a complaint under complaint ID XXXX and it was subsequently closed by CFPB due to a reply from the company. However, the issue was NOT resolved. 

XXXX XXXX XXXX submitted my 1st Installment XXXX tax payment to the WRONG property PIN. Due to this, I became delinquent on the 1st installment of taxes and was charged by XXXX XXXX {$100.00} due to the delinquency. 

Incorrect PIN : XXXX Correct PIN : XXXX Here is the sequence of events : 1. XX/XX/XXXX- XXXX paid the wrong taxes to the wrong property PIN ( listed above ) 2. XX/XX/XXXX - Taxes reported as delinquent to my lawyer during a sales transaction of the property 3. XX/XX/XXXX - Contacted SLS where they advised that the taxes were paid on the WRONG PIN and that is why they are delinquent - due to SLS 's error 4. Taxes were paid out of closing costs, including a {$100.00} penalty 5. XX/XX/XXXX - Filed 1st complaint to CFPB for the issues and lack of resolution with SLS to get a response from SLS, including a refund on the penalty paid ( {$100.00} ). 

6. XX/XX/XXXX - Received a response from SLS that DID NOT resolve the issue of the penalty I paid out of pocket. It only addressed that they 'requested ' a refund from XXXX XXXX on my behalf. 

7. XX/XX/XXXX - I contacted SLS 's Tax department and they said they couldn't do anything, they transferred me to customer service, they said they couldn't do anything and transferred me to Escrow, escrow told me that they won't do anything for me, and then they transferred me to their Executive Support Team- who said they won't do anything for me because the dispute is closed. He told me I need to write a letter and open a new dispute. I spent a total of 1.5 hours on the phone trying to get a refund for SLS 's mistake. 

At this point, I am at a loss. It can not be this hard- they can clearly see they paid on the wrong property address and can view the interest charge on the correct property address. The loan paperwork has the CORRECT property address. SLS entered the incorrect property address when they did the payment. And now they are refusing to refund me interest payment I was charged and paid. 

To SLS : I understand that under Section 6 of RESPA you are required to acknowledge receipt of my request within 5 business days and take action to resolve my inquiry within 30 business days. Under state law and under the federal Real Estate Settlement Procedures Act ( RESPA ), a mortgage lender is responsible for all penalties and costs due to its failure to use the borrower 's escrow to pay the taxes on the right PIN, in full and on time. 

SLS is responsible for the penalties I incurred for the late tax payment.
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern : On XX/XX/2020, XXXX, TransUnion, and XXXX are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. why is there a monthly payment on this closed account Delete this account immediately XXXX XXXX XXXX Account Number : XXXX How can there be a past due on this charge off account? Delete this inaccurate account. 
XXXX. Validate Account XXXX XXXX Account Number :  XXXX The dates last reported don't match please supply me with information how you verified this item. 
3. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 4. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so.

For XXXX 1. why is there a monthly payment on this closed account Delete this account immediately XXXX XXXX XXXX Account Number : XXXX How can there be a past due on this charge off account? Delete this inaccurate account.

2. Validate Account XXXX XXXX Account Number : XXXX The dates last reported don't match please supply me with information how you verified this item. 
3. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 4. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so.

For TRANSUNION 1. Validate Account XXXX XXXX Account Number : XXXX The dates last reported don't match please supply me with information how you verified this item. 
2. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 3. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so.
Consumer complaint received 2020-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (KY)

Receive calls GLA Collection Company. It is for a party not living here. Latest tactic is to block us from hanging up. We have been getting the call daily. 

We are prepared to file aggravated harassment charge if appropriate.
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

My credit card information was compromised through a purchase I made through XXXX  in XX/XX/XXXX. I learned of where my card was compromised in early XXXX, after I reported the credit card fraud to my bank, Bank of America. On XX/XX/XXXX, my card was charged three times, in amounts of {$1.00}, {$41.00}, and {$45.00} and on XX/XX/XXXX, my card was charged 8 times, in amounts of {$43.00}, {$41.00}, {$41.00}, {$41.00}, {$48.00}, {$41.00}, {$47.00}, and {$41.00}. Total is {$430.00}. These purchases came from the merchant name, XXXX under the category Shopping & Entertainment : Clothing/Shoes. None of these transactions were made by me and as soon as I noticed, I called Bank of America to cancel my card and report the fraud. Bank of America refunded me initially, but then re-charged me when they received some sort of delivery notification for these transactions. I reopened the case as I did not receive any of these fraudulent purchases. I told the agent with BoA that I have not made a purchase on XXXX since XXXX and that credit card was never attached to my account. I also confirmed with him via recordings on my XXXX XXXX that no packages were delivered when he said they were. He could not confirm the delivery address, only that they had been delivered. They denied the case once again, so I opened it back up and the agent I talked to the third time suggested opening a police report to help get me a refund for these fraudulent purchases. I did that on XX/XX/XXXX and the police report was approved by XXXX XXXX Sheriff 's Office on XX/XX/XXXX. I visited a Bank of America branch on XX/XX/XXXX and brought in a copy of the police report, screenshots from my XXXX account that show I have not made any purchases, and a letter from divvyupsocks.com that states my card was compromised. Both the agent in the branch and the fraud service agent on the phone apologized to me and told me this should be more than enough to get this taken care of. The documents were faxed over that day. I also asked at that time to receive whatever proof of delivery they have. They said they would mail it to my home address. I have yet to receive that or any notification that it is being sent to me. I have received nothing from Bank of America that shows they have proof of delivery for these fraudulent purchases. I received a letter in the mail dated XX/XX/XXXX stating that my fraud claim was once again denied. I will be visiting the branch again today, XX/XX/XXXX, to re-open the claim and let them know that I've filed this complaint.