davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-28
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Someone else 's credit information is reporting on my credit reports. I sent a copy of a police report and my ID to the credit reporting agencies in XX/XX/XXXX and they not only denied that my claim was legit but initially the issue was only on one report but now " the agency that made the mistake '' has uploaded this information on all 3 reports. The person whose information they are reporting lives in a  completely different state and owns a home and several other accounts that are now reporting on my credit reports, and this is keeping me from purchasing " my own home. '' I have located the persons full social and date of birth which was a typo by the credit reporting agencies because their social is one digit off from mine and their date of birth is two days after mine. I want my credit reports fixed so that this persons information is removed from my reports. I submitted my dispute originally in XXXX of XXXX and as of XX/XX/XXXX the issue has still not been rectified.They even have a company listed on my report as my employer and I have never heard of or worked at this company because " it is not me ''.
Consumer complaint received 2020-05-05
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)

In XXXX of 2019 I opened up a credit card with Capital One. 

The first thing we noticed is when you went online to complete the account setup. It tossed an error saying OOPS we hit a snag.. please try again later. I tried a few times through the month with no help. 

In XXXX my bill was due, and I tried to pay the bill, and got an OOP we hit a snag try again later. 

I then did a payment from my bank account with XXXX to Capital one and it was returned saying it could not be processed. 

I then called Capital one, and they tried to do it over the phone, and got an error also. 

They then transferred me to the back office, and a girl took a VISA Debit payment. And transferred me to tech support. 

Tech support could not fix the issue, and opened up an escalation. 

In XXXX we had the same issue, and we escalated again. 

In XXXX same issue,. I am now 30 days behind as the girl in collections tried to set up an auto payment and also got an error and said try calling back in 24 hours. 

We then managed to get a payment processed again via the back office using a VISA Debit payment. 

But they then flagged me on my credit bureau for being 30 days late, hit me with 2 late fees and a payment processing fee of {$7.00} I then called to complain saying that, its not my fault you guys can not set up auto pay, I can not pay via my bank account and you then need to go to back office to do a one time payment. 

She said we can not credit you back as you do have the option of calling and getting escalated to have a one time payment done. 

My argument is, I should not need to spend 3 hours a month on hold then transferred around for another hour just to be able to pay my credit card. 

They wont fix the report to credit nor credit me back the late fee, nor the processing fee. 

Once again I was escalated to tech support who could not fix the issue. 

A quick search online shows numerous people complaining about the same problem, they try and pay and get oops we hit a snag. 

Screen Shot 1 says I am 2 months behind.. No I am one month behind as they can't process the payment but want the next payment in Advance. 

Screen shot 2 is trying to make a payment Screen shot 3 is the error we get when trying to pay.
Consumer complaint received 2020-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

On XX/XX/XXXX a friend sent me {$450.00} to send to a bank in California for a collateral payment on a loan she was trying to get for a car. The person said it could only be sent through zelle. My friend sent me the money in XXXX XXXX, I transferred it to my bank account, and sent the money through zelle to XXXX in the total of {$450.00}. On XX/XX/XXXX the person asked for another {$1000.00} to pay for some type of insurance, my friend told the person she was no longer interested in the loan and asked her for her money back. The woman hung up the phone on her and blocked her. I called my bank ( XXXX XXXX XXXX ) they were not able to do anything, and my friend filed a report. I have emailed the person and sent a request through zelle for {$450.00} to get the money back and heard no response.
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — Store credit 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: Affirm Holdings, Inc (TX)

On XX/XX/2021, I applied through Affirm to make a purchase of a " XXXX XXXX XXXX XXXX Multi Purprocess Welder  XXXX XXXX XXXX on we website of the Store XXXX. '' That same day I received an email where I was approved for the amount of XXXX for the item I purchased. 
From that moment I did not receive any confirmation from the store XXXX XXXX or any other information stating that the product was purchased or confirmed. On XX/XX/XXXX, I made my first payment to Affirm of XXXX where they were charging me for the machine. Before this I was never informed that the purchase was even made. I made the payment and contacted Affirm, in order to investigate more information due to me not having received any item. They explained to me how this process would go and was advised to contact XXXX . I contacted XXXX XXXX, one of the gentleman I spoke with stated he had no information, no receipts or confirmation of any purchased made. I then contacted Affirm once again and informed them was I was told. I have not received any product and the store was stating they did not even have any of my information. I contacted XXXX XXXX  for a second time, I spoke with a different representative and was told they had shipped the item already more than 40 days ago. The address that XXXX XXXX provided was a different address, that I never provided them with. I informed them that that was address was incorrect and that I have still not received any item, yet I am already making payments to it. I contacted Affirm once again and explained the situation. I explained how they did not have a correct address and that it was shipped already. Affirm advised that I visit the address they had on file and try and retrieve the machine. I visited the incorrect address they provided and spoke with a gentleman. He stated he had not receive anything and that if he had he would of taken it to the post office as return to sender. I contacted Affirm once again, and a dispute was made towards XXXX XXXX  due to not receiving the product. I informed Affirm that I would no longer be making any payment until I receive the bough item. The dispute was made and after the 30 days of waiting for a response XXXX XXXX won de case. They stated I had lack of evidence or any other information. I tried explaining that I cant show any receipts or evidence because I never received receipts, confirmations or any thing else. Now, I just receive bills from Affirm where I have not continued paying until I receive my product.
Consumer complaint received 2020-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$23000.00}
Consumer complaint received 2020-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NY)

The account in question in discussion is THD/CBNA Account # XXXX the issue at hand is a late being reported in XX/XX/2020, in XX/XX/2020 I was sick with XXXX and was unable to call in to defer the payments since I was so unwell. 
Once I was well enough to make the payment I did make the payment immediately.
Consumer complaint received 2023-02-04
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: WELLS FARGO & COMPANY (PA)

This is my third complaint and the most serious. 

Wells Fargo is attempting to commit Fraud and lie about what has transpired here. I have fully documented court admissible evidence of all of my correspondence with Wells Fargo. 

I have had NO LESS than 20 calls with them or have returned their call. Dozens of emails as well. 

They are now personally sullying my professional reputation. I will be serving a Writ of Summons next week to demand the court order them to stop.
Consumer complaint received 2020-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MN)

XX/XX/2020, XXXX After checking my email I noticed hundreds of unauthorized emails saying " thank you for your subscription ''. Right away I knew my email had been compromised and knew to check my bank account. A fraudulent charge of {$550.00} was made ( XX/XX/2020 ) on XXXX for a ceiling fan. I have since shut off my card and filed a claim with Wells Fargo and XXXX. I have no idea how my card information was obtained by someone else to make this purchase and would like to see this money back in my account soon. I am currently out of a job and need this money. I was not promised a return and the claim will take a long time to process. Please help XXXX XXXX
Consumer complaint received 2020-05-05
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

I was called by Wakefield & Associates ( collections firm ) on XX/XX/XXXX and informed I have an outstanding balance of {$210.00} from XXXX XXXX XXXX Hospital. I told them I may have paid it since I just paid several about a week prior. I stated I was uncomfortable paying by phone and needed something in writing before I would consider it. Until now, I had no contact from the original creditor ( XXXX XXXX  ) from XX/XX/XXXX when the original bill was finalized. Given I have XXXX XXXX, this is a common kind of bill I would receive from any of my specialist physicians ' offices. 

I was informed that the original address that was used was my very old address from years ago. They apparently entered my old address as current and put my new address as a " former or previous '' address. As I have moved twice in the past 3 years, the address they used was the oldest and well after any mail forwarding services would have been stopped. Therefore, I could never have been notified in writing that this debt was owed from the original creditor or Wakefield & Associates. However, I was never called by the original creditor or emailed despite those points of contact being updated. I received a bill from W & A by mail about a week later. I researched it and see that it is in principle ( {$190.00} ) my bill, however, I refuse to pay a 10 % ( {$19.00} ) when I had zero opportunity to pay the original bill since I was not notified in any way, shape or form. The debt is also less than 6 months old. Once I was finally able to verify the debt, I attempted to call them several times to no avail. 

On XX/XX/XXXX, I filed a dispute online with Wakefield & Associates regarding the fee amount and did not receive a response. 

I continued to receive phone calls which, as I was able, I tried to answer. Most of the time it was a silent robocall and hung up about 15 seconds later. On XX/XX/XXXX, I was finally able to navigate to their online payments ( which does not have instructions as to how to get to it and I had to search to figure it out ), and I paid the principle balance above. I again filed a dispute for the fee/upcharge/interest at that time. 

On XX/XX/XXXX, I was called yet again and fortunate enough to hear a person after I answered. He not only made collections sound like it was mandatory with no opportunity to dispute, but I corrected him and directed him to the history. I paid the principle, but refuse to pay a collection fee when I was not allowed to pay it prior to that being added. I don't dispute the principle and have paid it in full, but I will not pay a collection fee that is ultimately the fault of whomever entered my new address as a previous one. Surely a creditor can not take a debt and tag on fees before you've ever had an opportunity to hear from the original issuer and go about hounding people almost daily ( most of which are silent calls ), and demand an extra 10 % for their trouble.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022 I received a response from Experian dated XX/XX/2022 forwarded through the attorney general 's office about inaccurate info on my consumer credit report. Experian indicated that both fraudulent accounts " XXXX XXXX XXXX '' and " XXXX '' are currently not listed on my credit report. While this is accurate for " XXXX XXXX XXXX '' which has been removed from my consumer credit report, however the account " XXXX '' is currently listed on my consumer credit report. This is indeed another " LIE '' from Experian stating that an inaccurate and fraudulent account is NOT listed on my credit report when it clearly is. I have submitted several police reports and FTC reports and the account " AFFIRM '' is still showing on my consumer credit report and is causing severe financial hardship. I am in the process of trying to refinance an Auto loan due to financial difficulties. XXXX XXXX XXXX XXXX obtained a copy of my credit report today on XX/XX/2022 and has declined my refinance loan because of the fraudulent account " XXXX '' listed on my consumer credit report. Not only has EXPERIAN lied again on my consumer credit report but they have failed to block the fraudulent account in a timely manner according to the Fairs Credit Act 605b. Because of this failed action on Experian 's behalf my financial hardship is now extremely severe. 



I have attached a current copy of my Experian Consumer Report showing the fraudulent account AFFIRM which is reporting negatively and caused me severe financial hardship. I have also attached a copy of Experience response which was forwarded to me by XXXX XXXX at the Office of Attorney General Consumer protection Division.
Consumer complaint received 2022-02-15
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. (NJ)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (CA)

For stamps on approval, I've always sent back the stamps within 1-5 days. One shipment, which they claimed they did not receive, I spent over 2 hours back and forth with support, and they responded they found my return and had updated my account as returned. 
This was on XX/XX/2021.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

there is a account from XXXX XXXX that has been on my credit report for over 15 years and I requested it be removed from my credit report base on the fair credit act. because it as been on my report past the amount of years it would legally be allowed on my report and they refuse to delete it.
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

I had fallen behind on payments after I tried to change the bank account for my autopayment. I thought it had been changed but the bank account wasnt accepted by Wells Fargo and it stopped the autopayment. I was charged {$40.00} for each late fee. I made a payment in XXXX and my account was closed in XXXX. I had attempted to use their online feature to get help with payment arrangements but it would not process and required me to call in. The chat feature said it was available during certain times, however, there was never a way to open a chat during those hours on the mobile version. When I logged in and saw my account had been closed I called about reopening the account. I requested that the late fees be waived as I had been paying on time through autopay and they waived 2 of the 4 late fees but said it would be applied at the next XXXX. I was told a request could be submitted after I brought my balance below the credit limit which would be the {$220.00} as the {$80.00} credit wouldnt be applied til the next XXXX. I paid the {$220.00} and called back to check on the request to reopen and was then told that I couldnt reopen the account because it had been closed and that I would have to reapply for a credit card with them. I believe they knew from the beginning that I could not reopen the account and provided false information to get a payment. I have had that account for almost 10 years and received the letter regarding the overdue balance and closure after it was already closed. I had not received any correspondence in writing regarding options to bring my account current nor why my bank account was not accepted for the autopayment drafts.
Consumer complaint received 2021-07-19
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Supreme Lending (WA)

I have initiated the Refinancing process on XX/XX/2021 with Everett Financial Inc. DBA Supreme Lending. 
The initial Loan Estimate doc where the Interest Rate was 2.75 % ( 30 year fixed ) After five months, they have sent another Loan Estimate doc where the interest rate was changed to 3.25 % ( 30 year fixed ) and the estimated closing costs were {$21000.00} After another two weeks, they have sent another doc, Closing Disclosure where the interest rate was 3.25 % ( 30 year fixed ) but the closing costs were bumped to {$25000.00}, an increase of {$4400.00}.

On the attached docs, one can see the discrepancies between the second Loan Estimate document and the Closing Disclosure document : 1-the origination fee was changed from 0.873 % to 1.027 % 2-the appraisal fee was changed from {$960.00} to {$1400.00} ... a {$450.00} increase Besides the fact that this was dragging for seven months, without any clear communications, the final disclosures showed that this Brokerage firm is taking advantage of its customers ... a predatory, aggressive approach.

Not sure how these guys are even licensed to run such a business.
Consumer complaint received 2020-08-28
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. (TX)

The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. Account is listed as collection. It's showing a balance of {$3700.00}, per the FCRA this is a violation, balance should be {$0.00} Date Opened : INACCURATE Balance : Should be {$0.00} Last Reported : INACCURATE. 
Date Last Active : INACCURATE