davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-08
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 {$560.00}, {$340.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNTS -- 1. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$340.00} -This is not my account.
Consumer complaint received 2020-06-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Thaxton Investment Corporation (TN)

Representative from Heights Financial in XXXX, TN continuously threaten to sue me have sent me Attorney letters, discover my personal information to several 3rd parties after my hours were cut due to covid 19. I onky make {$900.00} a month and today I received an attorney letter saying I had to pay {$1700.00} in full in 10 days or else. 

A rep from Heights called me asking about my Stimulus check and was really nasty and rude to me saying things that professionals shouldn't say.
Consumer complaint received 2020-12-08
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: WELLS FARGO & COMPANY (SC)

There are unknown hard inquiries on my credit report per XXXX. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX XXXX XXXX XXXX, on XX/XX/2020, XXXX XXXX and WELLS FARGO DEALER S add a hard inquiry. 
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 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (TX)

We refinanced our home at the end of XX/XX/XXXX. Wells Fargo Home Mortgage bought the note. We made payments in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Despite numerous attempts to get Wells Fargo Home Mortgage to report our payments to the credit reporting agencies, they still refuse. The only payment that shows up is the XXXX payment and that is because I filed a formal dispute. The report shows that Wells Fargo is saying our account is in forebearance until XX/XX/XXXX, which is not true. Our credit scores dropped over 75 points because it looks like we have not had a home or payment for five months.
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc (TX)

I received a prepaid debit card from PayPal. I did not request this card. I called the company but no one is available to help with possible fraud. 

Not sure if anyone tried to link a direct deposit account with this card.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have contested a late fee that decimated my credit score with Bank of America and XXXX  5 times now. Both companies could not care less about their customers and it is unfortunate how tone-deaf they have become. I closed a credit card after paying it in full ( as I have always done in 12 years ) after a trip to XXXX in 2018 and then a minor charge posted on my card AFTER it was closed. I don't know what kind of low-tier credit card company allows this to happen ( see BoA )  or low-tier credit reporting agency allow this to post ( see XXXX  ), but this has destroyed my credit score even after paying the charge and contacting these soon-to-be irrelevant companies multiple times. 

The amount was a mere XXXX $ and the date XX/XX/2018.
Consumer complaint received 2020-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just  remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

I have contested a late fee that decimated my credit score with XXXX   XXXX XXXX and Experian 5 times now. Both companies could not care less about their customers and it is unfortunate how tone-deaf they have become. I closed a credit card after paying it in full ( as I have always done in 12 years ) after a trip to XXXX in 2018 and then a minor charge posted on my card AFTER it was closed. I don't know what kind of low-tier credit card company allows this to happen ( see XXXX  ) or low-tier credit reporting agency allow this to post ( see Experian ), but this has destroyed my credit score even after paying the charge and contacting these soon-to-be irrelevant companies multiple times. 

The amount was a mere XXXX $ and the date XX/XX/2018.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

I have contested a late fee that decimated my credit score with XXXX   XXXX XXXX and XXXX  5 times now. Both companies could not care less about their customers and it is unfortunate how tone-deaf they have become. I closed a credit card after paying it in full ( as I have always done in 12 years ) after a trip to XXXX in 2018 and then a minor charge posted on my card AFTER it was closed. I don't know what kind of low-tier credit card company allows this to happen ( see XXXX ) or low-tier credit reporting agency allow this to post ( see  XXXX  ), but this has destroyed my credit score even after paying the charge and contacting these soon-to-be irrelevant companies multiple times. 

The amount was a mere XXXX $ and the date XX/XX/2018.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I called Wells Fargo mortgage department to get my elderly, XXXX fathers mortgage PMI removed as his remaining balance is about 63.5 % of original LTV on his HARP 2.0 refi. Wells declined, stating the amortized date for him to hit 78 % is in XXXX of XXXX. He has been below the automatic 78 % removal cutoff for about XXXX years and is STILL paying PMI. I was sent to their escalations department and all we are getting is a letter stating details of the HARP PMI signed in XX/XX/XXXX for the refi on the 25 year loan. Not only is this not in accordance with the HPA of 1998, it is against XXXX XXXX own guidelines and is obviously predatory.
Consumer complaint received 2020-12-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NJ)

I was hired for a remote position through a company that I know now didnt exist. I was sent a check in the mail for a sum of money and told to deposit it and use it to purchase the equipment needed for the position. The check did not go through and so I contacted the woman who hired me. I never heard back. Today XXXX/XXXX/2020 was supposed to be my start date. I texted and emailed the hiring manager who I know now doesnt exist and asked when and how I was to start. She said since the check didnt go through I need to purchase the equipment through her and I will be reimbursed. She had me send her XXXX dollars for the software I would need. She then asked what kind of computer I have. I told her an XXXX and she said I need a XXXX  and it was required by the company so to XXXX another XXXX that I would be reimbursed for. After that happened I never heard back. I contacted XXXX  XXXX  corporate who said this position never existed and the womans name I gave them does in fact work there but someone else has been using her name to scam people Of money and to contact my bank. I contacted my back to try and get my XXXX back and they submitted a claim to the receiving bank of CitiBank and said they would try their best but there were no guarantees I could get the money back but that I could have answers in 10-45 days. I explained it was my entire savings for my move which is happening in 3 weeks. Im moving out of the state and need the money for my move. They said they would keep me updated on the claim.
Consumer complaint received 2020-12-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (GA)

In XX/XX/XXXX, I needed a loan to enroll in XXXX University 's XXXX XXXX. Because I was a XXXX  student, I could not receive a loan from the federal government. So, I had to apply for a private loan. I was in a desperate situation. I needed financial aid in order to start classes. Sallie Mae approved me for a loan of {$25000.00} at 10.500 %, out of this amount I ONLY used {$6400.00}. Currently my balance is {$7200.00}. I have tried to re-negoiate this loan to lower the interest rate, and Sallie Mae refuses to allow me this option. In addition, they will not allow me to apply for a forebearance or any type of payment deferment. The interest on this loan is too high, and unfair to me especially when we're in a pandemic and lenders are providing customers with loan deferments or refi options, and I'm not working. My first payment on this loans is in XXXX. This loan won't be paid off until XX/XX/XXXX. I believe Sallie Mae is an unfair lender and using their power to unjustly take advantage of struggling students.
Consumer complaint received 2024-07-21
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: M&T BANK CORPORATION (FL)

XXXX XXXX XXXX  M & T credit card services acknowledges that there were funds pending for payments that had not been returned to our savings account in more than two months, but they have not applied our payment to the credit card account either. We are requesting M & T Bank to reactivate our account as our family depends on this account for XXXX XXXX  treatments. M & T also refused to give us the date when the card was closed. The M & T representative we spoke to today at XXXXXXXX XXXX stated that even though this is considered an emergency, they told us to contact a local branch, which in the past always referred us to the number on the back of the card. 
We are long-time ( over 30 years ) consumers of M & T, and in the last few years have acquired a secure card. We were informed in XX/XX/2024 that if we make a payment despite the immense fraud in our account, our credit card will remain in good standing. Our family relies on this card for accommodation and transportation for XXXX XXXX XXXX. This is our only credit card. We will very much appreciate your kindest help. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-17
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. (TN)

I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY.
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (OK)

I was a recipient of Oklahoma Unemployment benefits and all my backpay went onto a card called way2go card through the Company Conduent in the amount of {$5000.00} on XX/XX/2020. Within a few hours of the money being put on the card someone created an account in my name on the Conduent site and set up direct deposit from that card to their account. Conduent advised me that the email and phone number did not match what i gave them. This prevented me from setting up an account myself because it gave me an error message that an account had already been created. I spoke to numerous customer service reps through Conduent over the weekend trying to resolve the issue was told multiple different things by all of them but in the end filed a Dispute SR # XXXX in order to try to get my money back but the company is claiming that my social security number does not match anymore and there are no unemployment claims under my social or name. They advised i needed to contact the unemployment office to get this corrected i went to the local XXXX Office XX/XX/2020 and spoke with the rep and she contacted her supervisor they both verified my information matches and nothing is wrong on their system. They that the money was sent to the way2go card system and Conduent would be responsible for fixing the issues and refunding my money. Conduent told me they can investigate it but without a police report it would be hard to prove. I said are you kidding me so i did file a police report I also filed a report with Internet crimes, Federal Trade commission and a Identity Theft report has been made. It has been a back and forth blame game that is getting nowhere.
Consumer complaint received 2020-12-08
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: LEXISNEXIS (CA)

On XX/XX/2020 I submitted a letter to LexisNexis asking for a Method of Verification. In my letter i asked for documents or company information who is verifying a Bankruptcy claim on my report. The method of Verification was not fulfilled only with a letter stating verified no company information was provided. I then reached out to LexisNexis via phone and was told they are not aware who verified the bankruptcy claim. Due to they get information from several companies and now have to dispute this claim.In order to provide me with the company information. LexisNexis was giving 15 days to provide me with such information per compliance with the FCRA.
Consumer complaint received 2020-12-07
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. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorize on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2022-08-04
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: EQUIFAX, INC. (NY)

Upon checking my credit report I noticed that there are two accounts from XXXX XXXX  with two different account numbers being report on credit report. Account # XXXX and Account # XXXX.I only have one account with XXXX XXXX  which is Account XXXX XXXX. I never applied for a second account. Somehow this second account seems to be a duplicate account of my current one. Included is a copy of my current credit card statement with accurate account number. According to the fair credit reporting act 15 USC 1681 : I have the right to privacy, 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my writmen instructions. 15 U.S. Code 1681i Section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer
Consumer complaint received 2020-06-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PREFERRED CREDIT INC (CA)

On XX/XX/2020, a certain company made a vacuum cleaner which doubles as a air refresher presentation at my residence. I decided to buy the product so they linked me up via phone call with their affiliate loan company to finance the product for me. The loan company is called Preferred Credit Inc. During the call, I requested to know the interest rate on the loan, the Preferred Credit Inc. rep said he does not know, and that I will find out later. I pressed on him several times to disclose the loan 's interest rate, but he will not disclose it. Besides, the invoice they send via email does not provide interest rate, interest amount, not even account number on it. I saw some numbers on my bank account description and I assumed it was the loan account number. I called their customer service and asked again what is the interest rate I pay on the loan every month since XX/XX/2020, and the rep, who is a different person from the one I talked to at the time of signing the loan, will not tell me but I managed to get the interest amount from her. Out of a monthly payment of {$99.00}, {$64.00} was charged as interest amount for XX/XX/2020. Suspecting that the interest rate will be so high and they failing to fully disclose the interest rate to me, i requested to sign-up to their online portal. The rep sent me a link to sign-up ; after clicking on the link and having several error webpages, I got a way around it to sign-up to their web portal ; and confirming my suspicion, the interest rate was as high as approximately 22 %. Had this interest rate was disclosed to me at the time of signing up for the loan, I will not take this loan. The interest rate is outrageous and I am therefore filing a complaint for failure to fully disclose material information that will help me, a person of sound mind, make a reasonable decision ; especially when I requested for it.
Consumer complaint received 2020-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Due to the fires in California over the last few years many insurance companies chose not to renew policies in certain zip codes that they deemed high risk. The California insurance commissioner declared a non renewal moratorium for certain zip codes which includes my zip code of XXXX. My insurance company chose not to renew my policy and was in violation of the law. When I pointed that out they gave me a quote of over {$15000.00} per year. I 5 times more than what I was paying. I shopped around and very few would cover me and the insurance companies that would cover me gave me usury quotes that were unaffordable. My insurance lapsed on XX/XX/2020 while I was trying to get affordable coverage and on XX/XX/2020 I finally found greatly reduced coverage of {$850000.00} for fire only that covered a little over the mortgage amount. Wells Fargo Home Mortgage is charging me {$520.00} for the lapse in coverage, claiming they purchased a policy after the fact ( even though there had been no claims or damage ). I tried to reason with them explaining that there are thousands of homeowners in this situation that are not located in a fire area buy unfairly singled out and non renewed. I asked Wells Fargo to send me the policy on XX/XX/XXXX. 2020 and they sent it to me. It shows that the policy was issued on XX/XX/2020 for coverage of {>= $1,000,000} with an effective date of XX/XX/2020 and an expiration date of XX/XX/2020. How can you purchase an insurance after the fact? I feel that I'm being scammed and I don't think I'm the only one. If this is legal then I want to purchase an insurance policy for the XXXX.
Consumer complaint received 2020-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. 

The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law!