davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

Hello- I have been mailing letters, calling and emailing and have not received a response. I spoke with a representative in XXXX regarding a settlement letter I received for my account and settled my account with her that day. The amount was {$1500.00}, on XX/XX/XXXX. 

( XXXX ext XXXX XXXX XXXX ) It is now XXXX and not only is my credit report not updated to show as settled with no balance due, but Nissan is also stating that they have no knowledge of this because XXXX has not notified them. I spoke with XXXX ( the debt collector ) in XXXX and the lady stated it is showing as settled and sometimes it takes time and if it was not showing by XX/XX/XXXX, to do a dispute with Nissan. 
I do not like that I was lied to and possibly stolen from. Why would the representative state that the account was settled in full, and simply take my money and never report it as settled. I would not have randomly paid {$1500.00} to just deduct from the balance on my credit report.
Consumer complaint received 2021-01-13
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 (AZ)

This is the fourth attempt I have sent more than enough supporting documents to have these 3 accounts removed from my credit report. i have reported these fraudulent accounts to the federal trade commission which in fact is a federal law enforcement agency. i am attaching all my supporting documents to support my request. such as NOTARIZED FEDERAL TRADE COMMISSION IDENTITY THEFT REPORT. REPORT NUMBER XXXX A POLICE REPORT FROM MY LOCAL POLICE DEPARTMENT AND MY STATE ID AND CURRENT UTILITY BILL THAT VERIFY WHO I AM. I AM ALSO INCLUDING THE LAWS WHICH FURNISHER NEED TO FOLLOW UPON A IDENTITY THEFT CLAIM.
Consumer complaint received 2020-08-24
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: CITIBANK, N.A. (NY)

I have a loan with DSNB MACYS and XXXX  XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, DSNB MACYS and XXXX  XXXX  with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (MO)

I signed up for a credit card that had some attractive premiums including a {$250.00} cash reward for spending {$1000.00} within 90 days. 
I did this through XXXX on line and was accepted for the card. The card was received and I charged XXXX. They also charged {$95.00} for a fee, which I knew about. None of the other cards I have charge fees, but I figured the cash reward would more than compensate me. 
I received my bill and called a very polite lady ( XXXX ) and asked how I would get my {$250.00} and was told that I was not eligible for a rebate. She said it was on the web site when I signed up for the card. 
This is not true. It COULD be in the multiple lines of verbage that is on all applications. I am a pretty good reader. 
I now have a bill for a card that I do not want to use. I prefer to deal with people who are more specific and easy to work with. 
The bill is due on XX/XX/XXXX. I have never paid any interest on a card and have not had a consumer loan since 1974. I need this clarified
Consumer complaint received 2022-07-22
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. (GA)

I called the 3 Credit Bureaus after I purchased a credit report with XXXXXXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was a Accounts : XXXX XXXX Balance : {$770.00}, XXXX XXXX Balance : {$340.00}, XXXX XXXX XXXX Balance : {$2200.00} on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and hoping that these accounts will be CORRECTED.
Consumer complaint received 2022-04-06
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. (VA)

I have noticed that there are INACCURATE accounts reporting from my report, I have already sent a proper documentation regarding these. Please see attached documents for these accounts I am complaining.
Consumer complaint received 2022-02-04
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. (NY)

i was the victim of identity fraud and i need all these negative items removed due to this problem im un able to get approved credit cards im unable to get a car or even an apartment
Consumer complaint received 2020-08-24
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: Early Warning Services, LLC (MN)

I contacted Early Warning Services , LLC, by phone requesting a copy of my consumer report. I explained to the customer service representative that all of the adverse information and bank checking accounts, listed on my consumer report is fraudulent, inaccurate and not my accounts or information. The representative used a XXXX slur against me, and told me I was a lying XXXX, and that nothing would be deleted from my consumer report because the fraudulent bank checking accounts and adverse information belongs to me. The representative used hateful, profane and abusive language against me.
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One bank took over Walmart account for over 5 years never late never past due even if account was max out payment was no more then XXXX I check my account on XXXX they are now trying cover up fraud by Capital one they list no payments since XX/XX/XXXX when they took over account they also do not list actual payments that went from XXXX in XX/XX/XXXX to XXXX to XXXX to XXXX in XX/XX/XXXX yet they claim it was due to balance owed which is 100 % not true my high balance is XXXX I have cards with highs from XXXX to XXXX and monthly payments are no higher then XXXX Capital one keeped adding late fees even though I was not late they started this as soon as they took account over on XX/XX/XXXX they claim they reversed all charges late fees well how does my monthly payment go from XXXX to XXXX dollars, what they have done is not reported true facts since XX/XX/XXXX on credit report to cover up this fraud which I will attach a copy of also when I called on XX/XX/XXXX it went to collecting not customer service that is the number they have listed on XXXX after talking to 3 different people the last one refused to answer questions about reported incorrect info and why if i call it goes to collecting when account has never been past due ever also why the monthly payment went up XXXX in XX/XX/XXXX for no reason if all late fees were cancelled they refuse to fix credit report and now covering up fraud by not reporting facts from XXXX
Consumer complaint received 2022-02-05
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. (GA)

I have sent Experian a cease and desist notice, affidavit of truth and bill of particulars notices. I have called Experian numerous times to dispute inaccurate, unverified and unauthorized items on my report. Experian has continued to break federal law and violate my consumer rights. Pursuant to 15 usc 1681b, a CRA can only furnish a report with written instructions from the consumer and I have NOT given you written authorization.
Consumer complaint received 2020-08-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (OR)

Paypal is charging hidden fees for all international money transfers by using exchange rates that are not accurate. I have sent numerous international payments recently and because of translation issues with my contacts I did not discover what they were doing until recently. Most of my payments are only shown in USD so I'm not sure the amounts in local currency they are actually paying out. I recently had to send a recipient an additional {$250.00} because he would not ship my goods as he had not been paid in full due to Paypal skimming off the top. Below is a recent example, their fees end up being around 8 % which is not what they advertise. 

Payment sent XX/XX/20 Details Sent to XXX XXXX XXXX {$500.00} Fee XXXX XXXX {$19.00} Total XXXX XXXX {$510.00} So this looks pretty straightforward but the problem is that XXXX XXXX is only {$500.00} if you use Paypal 's false exchange rate. Using the actual exchange rate my recipient only gets about {$480.00} and they're angry they haven't gotten a full payment. 

Paypal own receipt shows my recipient will receive {$500.00} but they do not. Is this legal? 

I've now discovered that they have skimmed hundreds of dollars from my transactions recently. How can this be legal?? 

I also searched everywhere for a location on their website that shows the exchange rates they use. Their help section claims you can go to a section of your account and show it but it doesn't actually exist. I was only given the link after contacting their help department so the false exchange rates they're using aren't even publicly available.
Consumer complaint received 2020-08-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (CA)

I received a collection notice on XX/XX/XXXX from Southwest Credit Systems. This debt was disputed and validation was requested. 

Southwest Credit Systems did not provide a validation as requested. On XX/XX/XXXX I received notification from XXXX in that a derogatory account had been reported by Southwest Credit Systems which negatively impacted my credit history. 

This action violates the Fair Credit Reporting Act [ 15 U.S.C. 1681 ] and the Federal Validation Notice [ 15 U.S. Code 1692 ]. 

On XX/XX/XXXX the per violation penalty increased from {$3500.00} to {$3700.00}. No debt collection company should operate above the law. 

Therefore I have submitted this complaint for investigation.
Consumer complaint received 2020-08-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo is using forged documents to foreclose on my home. Wells Fargo sold my mortgage to XXXX XXXX in XXXX. Since this was the case, then in XXXX when Wells Fargo started foreclosure there should have been only one note to be used in foreclosure. After I denied the authenticity of that note, WF then produced another note. At the note inspection Wells Fargo produced another note. 3 notes in total. They asked the court for summary judgment without providing the court all relevant documents. Prejudicing my defense of the foreclosure. On page 115 of the deposition admitted what they are doing would be considered unethical. My gripe is how can a person fight foreclosure if Wells Fargo can just recreate notes in order to foreclose. As a XXXX XXXX XXXX it boggles the mind that this would be considered a crime ( e.g forgery, offering a false instrument for filing ) if a person did this, but when a bank does it it is overlooked. This was all done after they were sued by the Justice Department on behalf of myself and other XXXX and XXXX borrowers in XXXX. They settled that by promising to treat us ethically.
Consumer complaint received 2020-08-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

Citizen One Mortgage & Franklin American Mortgage company continued to draw funds through autopay on a loan that had been closed a few days prior. I have no ability to change this autopay now that the loan is paid off. I have no way of knowing if they will withdraw again. The Mortgage company is completely unreachable. There is no way to speak directly to a person, they have a call back feature which never actually calls you back. I've had two separate call backs scheduled that never happened. 

The mortgage was closed on XX/XX/XXXX. 

The company took {$1000.00} from my account on XX/XX/XXXX. 

There is no record from the loan information on their website of this draft. 

I have been trying for 2 weeks to reach the company. I had a call back scheduled for XX/XX/XXXX and one for XX/XX/XXXX. Neither time did the company call me back. 

I'm at their mercy.
Consumer complaint received 2023-01-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have been working with EXPERIAN since XXXXXXXX XXXX XXXXXXXX, it is now XX/XX/XXXX and my identify theft concerns have still not been addressed/deleted. I have sent over my police report, my FTC report, my personal statement, full SSN card with all corners reflecting, Photo ID & etc. I am a victim of identify theft and EXPERIAN keeps choosing to look the other way and not help me. EXPERIAN opened my dispute again XX/XX/XXXX and closed it right back up XXXX XXXX. A proper investigation in a sense has not been conducted. My documents have all been ignored and they want me to keep sending the same files via postal mail which cost me about {$35.00} for mailing charges to expedite. I have spent over {$300.00} in the past year of mailing to them the same documents they are requesting. I am tired of going through this process and EXPERIAN wants to keep playing games with victims of identify theft. It should not take me 392 days to get identify theft removed from my report. There are several factors including XXXX DEALER CHARGE OFF and DEPT ED XXXX that still shows on my report. I hope this will be my last and final dispute to CFPB. EXPERIAN is holding me back from living my life, liberty and pursuit of happiness.
Consumer complaint received 2022-02-04
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 (TX)

I am making this complaint on behalf of myself and not involved with a third party. I sent a request for validation to Wells Fargo pursuant to 15 USC 1692 ( g ) requesting the information detailed within that section of the FDCPA in order for me to validate the alleged debt. They did not respond with those and therefore it is within my rights to state that this alleged " debt '' is unvalidated and disputed. This alleged " debt '' is not mine. Wells Fargo requested that I send them information before they send me the information I requested which is a direct violation of 15 USC 1692 ( g ). I sent this package on XX/XX/2022 and it was confirmed delivered XX/XX/2022.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have 14 inquires that doesn't belong to me ... My information might have been impacted by the XXXX data breach and may have got into hands of the wrong people... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NJ)

Hi, My name is XXXX XXXX. I had a credit card with JP Morgan chase. Back in XXXX they shut my card down for no reason. At that point my balance was approximately {$3000.00}. I called them and asked to push off my payment due to losing my job because of COVID. They told me on the phone that they can push it off for 3 months without any late fees or reporting it on my credit score. After 3 months I paid the card off in full. I was then told that I had accumulated about {$190.00} in interest and late fees. I was forced to pay this since it was hurting my credit score. This is completely unfair and Id like to get the {$190.00} back. 

Thanks
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XX/XX/2020, XX/XX/2020, XX/XX/2020, XXXX 2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. 

I sent DISPUTE letters to XXXX, Equifax, and XXXX credit reporting agencies on several different occasions with a copy of my drivers license to prove my only mailing address. The letter said please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per FCRA, since they are inaccurate.This has still not been corrected.I mailed in my documents. I have called the CRA 's and I used their online dispute portals
Consumer complaint received 2020-08-24
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC (FL)

Please see attached exhibits A also I called XXXX today at XXXXXXXX XXXX and spoke with XXXX to let them know that Im mailing in a mortgage payment. She stated to me that they have not came to a resolution and if I can be on a payment plan for 6 months and pay {$1500.00} dollars in mortgage payments for those 6 months which was ridiculous to me because Im not even 60 days late and my problem isnt making the payments my problem is the fraudulent activities that took place with this mortgage loan. Therefore they are still trying to get me to refinance or put me on a payment plan and I even been getting emails to refinance FHA mortgage loan, they are truly trying to cover up by misrepresenting false address to FHA connection to obtain insurance property claim and using incorrect mortgage note by changing the parcel ID number and using the mortgage note, FRAUD for Profit, on a loan modification agreement dated XX/XX/2014 which I had no knowledge about the loan modification agreement dated XX/XX/2014 on the back page of the Mortgage document.
Consumer complaint received 2020-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

A check of mine was forged and cashed out of state. The bank should have never cashed this check of mine that does not match my handwriting and is for an amount i've never written a check for, anything near this high I would have used a cashiers check for security. The check is obviously forged and the bank had no protections in place to prevent this forged check use. 

Fraud claim # XXXX Committed in XXXX OK at XXXX XXXX XXXX XXXX Bank of America
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX reports that all my loans are currently late. The Accounts do not have a past due amount but they are still reporting over +120 plus days delinquent. How can I not have a past due amount but still be delinquent? 
These are the following account : XXXX There are 8 Loans in total.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX reports that all my loans are currently late. The Accounts do not have a past due amount but they are still reporting over +120 plus days delinquent. How can I not have a past due amount but still be delinquent? 
These are the following account : XXXX There are 8 Loans in total.
Consumer complaint received 2020-08-24
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}, {$14000.00}. 
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. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.