davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

I took a 15 year mortgage with XXXX XXXX  XXXX on a commercial property that I use for my business. I own this personally and lease it to the business. I was a XXXX XXXX customer of XXXX and had a line of credit with them also that was separate. I was never 30 days late on making my payment. There was a 10 day grace period after the due date. If you went past the 10 days, there was a {$35.00} fee. If I went over the date, I paid the {$35.00} fee. I paid on the loan for 15 years. When I got to the end, I received a letter from them telling me I owed an additional {$22000.00} in interest. They had been accumulating interest for 15 years for every day after the due date that I was late. And then they were charging me interest on the interest. In 15 years, they never sent me a report saying that I owed the interest. It did not show up anywhere on line on my account. There was absolutely no way that I could know that they were charging me this interest or giving me the opportunity to pay it off each year so that I would not be paying interest on interest. I obtained counsel and they began negotiating. It took about 6 months but we reached agreement that I would pay {$5000.00} and they would forfeit the claim for the additional funds. They gave me a release from the deed and it was done. Have them send me a copy of the settlement. They are currently reporting this as an error on my credit. I have attached the letter which was the first time I was notified that I owed additional money.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$1600.00} on the XXXX partial account number XXXX. ( Please see pages attached from my credit report, along with a copy of my Drivers License and W 2 for  identification purposes to investigate this complaint. ) I have attached a copy of the payment history for reference showing this account has been paid and there nothing to collect and/or chargeoff. This account needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-02-18
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. (NC)

On XX/XX/XXXX, I sent investigation requests to the credit bureaus ; asking them to correct errors on my credit report. THey were supposed to respond within 30 days, but have not.
Consumer complaint received 2019-02-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (TX)

Kia Motors Finance Acct No. XXXX. 11 months into the lease, vehicle was in accident and was totaled. XXXX XXXX provided coverage Claim No. XXXX. KiaMF sent me letter dated XX/XX/2018 that they would provide settlement amount directly to insurance. On XX/XX/2018 Kia advised XXXX the settlement amount would be {$17000.00}. XXXX XXXX. XXXX issued its check in that amount of XX/XX/2018 that was mailed to Kia and applied to the account. Ins. company, issued check for balance of claim to me. After confirming Kia had received payment, I and XXXX XXXX ( step-daughter ) used proceeds to lease a replacement Kia, also finance by KiaMF. KiaMF apparently reneged on settlement amount and decided it wanted more, refusing to release title to insurance company. By letter dated XX/XX/2018, KiaMF sent a demand letter false claiming that there was an insurance deficiency of {$1900.00} and Primary Insurance Deductible of {$560.00}, even though KiaMF knew the insurance proceeds had ben sufficient to fully pay the claim and that no deductible amount had been applied to reduce the amount of its check. I have written the company by email and had several telephone conferences, including a conference call with my adjuster that the claim had been fully paid. I assert that this claim has been compromised and settled. KiaMF decided to deal directly with my insurance company and exclude me from the settlement process. Because I was not notified that claim had been paid, an additional payment of {$190.00} was paid on XX/XX/2018, over an above settlement amount. When KiaMF stated a settlement amount that it was promptly paid the claim was compromised and settled in full. Subsequently, I clearly advised KiaMF that this balance due was disputed for the reasons stated above. KiaMF has placed negative credit information on both my credit report and that of my step-daughter. Supporting documents attached.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2019-02-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (NY)

y name is XXXX XXXX XXXX.I am XXXX citizen, password XXXX XXXX. I am here visiting USA us a tourist visa XXXX.I opened a check in account in Citi Bank ( # XXXX ). Then l opened a check in account in XXXX ( my account numbers I is XXXX ). Can you help me please to resolve my problem which is started : XXXX XXXX, 2019 I transfered {$16000.00} from my Citi Bank account to : Wire funds to XXXX XXXX XXXX XXXX, NY, Routing number XXXX, for credit to XXXX XXXX XXXX XXXX, account number XXXX, for the benefit of XXXX, Adress XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX, SWIFT code XXXX. 
That account number in XXXX XXXX  is for XXXX XXXX, brokers company. 
During the transaction Citi Bank made two mistakes : 1. The first was the wrong account number, which was XXXX instead of XXXX. The following day, XXXX XXXX l went to XXXX XXXX  office. y account did not receive the electronic transfer from Citi Bank. Returned to Citi Bank and show them that the account was wrong. One of the employee s said the mistake was corrected and the funds transfered again. 
XX/XX/2019 went to brokers company XXXX XXXX office and my account did not show the transfer. gain returned to Citi bank to show them the incorrect spelling of my name. hey wrote XXXX instead of XXXX. 
XX/XX/2019 checked account in XXXX, only to find find no transfer received. Returned to Citi Bank and the employee stated that it will be resolved withim 2-10 business days. 
XX/XX/2019 returned and to Citi Bank because account did not show the transfer. 
Asked Citi Bank employee to assist with the transfer because I have only {$1000.00} with to live.I was told it will take another 5 business days to correct the mistake. 
XX/XX/2019 there are no fund in my money. It has been at least 10 days already. Your assistance is greatly appricated. 
XXXX XXXX XXXX
Consumer complaint received 2019-02-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

To : Wells Fargo Foreclosure XX/XX/2012 REF : XXXX XXXX  : XXXX Wells Fargos attorney : XXXX XXXX XXXX, XXXX Florida XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, Florida XXXX XXXX, Case No. XXXX, WELLSLPS-FHA-XXXX XXXX XXXX. 

After many tries, Wells Fargo denied my Home Loan Modification. My home was foreclosed by Wells Fargo on XX/XX/2012. I consider, we were qualified for Home Loan Modification and we would have stayed with our house. 

We are now seeking compensation for financial losses incurred upon our house foreclosure. 
I want to know, the steps necessary to take legal action against Wells Fargo for the mistake they did, the stress and economic consequences they caused to me and my Family. 

Thank you in advance for your response.
Consumer complaint received 2019-02-11
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. (TX)

TRANDUNION claim they verified this Accounts below 1.XXXX XXXX XXXX Acc # XXXX, Open date XX/XX/18 {$4000.00} and says in belongs to me!. WHICH i have asked them in 6 disputes to provide me with proof of contract with my signed name on it that verified, To give them the right to report this information. Which they fail to provide six tines. I ask TRANSUNION to remove this account due undocumented proof.
Consumer complaint received 2019-02-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advanced Collection Bureau, Inc. (LA)

I have an apartment from ( XXXX XXXX ) debt in collections from XX/XX/2013 that really was not even a accurate debt o had an apartment that the lease was fulfilled but because I did not write a 30 day notice up leaving was charged with a balance. The owner didnt not properly contact me I was not aware that account was going into collections. Have yet to receive anything in writing. Account is 7 years old and I have asked for it to be removed.
Consumer complaint received 2023-08-06
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 — Investigation took more than 30 days
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

Incorrect information on payments made in XX/XX/2021. Payments were made before XXXX  days late and information doesnt match on all XXXX bureaus. Creditor removed/deleted entire account from transunion due to continuous incorrect information but did not do the same for the other bureaus
Consumer complaint received 2019-02-11
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)

Experian claim they verified this Accounts below XXXX XXXX XXXX Acc # XXXX, Open date XX/XX/18 {$4000.00} and says in belongs to me!. WHICH i have asked them in 6 disputes to provide me with proof of contract with my signed name on it that verified, To give them the right to report this information. Which they fail to provide six tines. I ask Experian to remove this account due undocumented proof.
Consumer complaint received 2019-02-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX and XXXX  XXXX
Consumer complaint received 2023-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (NJ)

I've received multiple phone calls from TrueAccord Corp regarding an old debt which was due to XXXX XXXX XXXX on behalf of XXXX, XXXX in the amount of {$600.00}. This debt was settled many years ago with a settlement, for which I no longer have the paperwork. The rep I spoke to today, XXXX at TrueAccord ( XXXX XXXX ) is aware that this debt is NOT valid and stated that they do not report anything to credit agencies but is unaware if XXXX does any reporting to any such agencies. She suggested I contact you as I've learned that TrueAccord has a horrendous record of reporting false information on old, no longer valid, debts. I've requested a current copy of my credit report as well. Would you suggest any other steps I could or should take? Please let me know. My email is XXXX and my cell is XXXX. Thanks for your assistance.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

The credit reporting agencies allowed XXXX XXXX XXXX add information on my credit file without ensuring the creditor was in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I've lived in a different state for more than two ( 2 ) years. I received no communication from the creditor. Yet, the creditor was allowed access to my credit file which has my current address. The bureaus should have made ensured the creditor had sent letter a to my address on my report prior 30 days prior to allowing the item to be added. I should have received the following from the creditor : - notification of an attempt to collect a debt - giving me 30 days to dispute the validity of the debt - stating to me the amount of debt that I owe - provide me with the name of the original creditor - to my knowledge I had not received such a letter
Consumer complaint received 2019-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (GA)

For the past 4 years I have been requesting additional information pertaining to my credit report and a collections debt with Diversified Consultants and the Collections agency would take it off without providing the information I would request but then it would reappear.I then reached out to Diversified Consultants and they told me I had to reach out to the original creditor which was XXXX and I was required by XXXX to send a notarized statement of dispute due to identity theft along with additional information stating that I was a victim of Identity theft. On XX/XX/XXXX I sent all required information XXXX requested. I included a copy of the notarized statement of dispute, proof of my address at the time the account was opened ( which I was told by the collections agency that it was XXXX but they could not provide a specific date ), a copy of my XXXX Tax Return ( which I was a resident of the state of Georgia when the account was opened according to the year they provided. ) and a copy of the police report filed on XX/XX/XXXX confirming that I was a victim of identity theft due to my wallet being stole in a XXXX parking lot in XXXX, Ohio. On XX/XX/XXXX XXXX  sent a correspondence stating that my fraud claim was denied based upon possible reasons concerning account information. On XX/XX/XXXX I sent a request asking XXXX to verify exact what it was that caused for my claim to be denied so I could know what steps I would need to take next and also because it my right according to the FCRA to know and understand why I am liable for the debt when my identity was stolen. XXXX then replied on XX/XX/XXXX asking for a notrized copy of my ID and a copy of the police report in which I all required information again on XX/XX/XXXX. I recently received my most recent correspondence from XXXX Fraud Managing stating that my claim was again denied and it was the same denial that was sent on XX/XX/XXXX in which they provided me with no additional information on my fraud claim but only the reason why it may have been. this has caused me an extreme amount of mental and emotional stress and it has also caused me to be denied for many credit opportunities. I am sending in all documentation requested and they are sending me the same request each time. Can you please
Consumer complaint received 2020-07-23
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. (NY)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2020-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (WA)

I went to my local bank branch at US bank in XXXX on XXXX XXXX., I used the ATM drive through to deposit {$500.00}, the ATM pulled all the money in but then shot it right back out but only shooting out {$400.00} and not the {$500.00} I initially put in, so it kept {$100.00}, even the employee I spoke with after the incident stated she saw this on her computer, she saw the error! but I still had to file a claim she could not do anything in the moment to resolve this. So I filed the claim, waited 10 business days to find that the bank was denying my claim! How can they deny a claim when their actual employee saw the error herself in their bank computer system! So someone has my {$100.00} whether it is the bank employees or the ATM people that pick up the cash. This is not okay, I would like an actual full investigation into the ATM itself the ATM employee and whomever handles the cash in that ATM, someone should be held liable for stealing my {$100.00} and it should not be me!
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Court : XXXX XXXX XXXX XXXX XXXX Case # : XXXX Plaintiff : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX VA XXXX Defendant : XXXX, XXXX Filing Date : XX/XX/XXXX Amount : XXXX Judgement : PLAINTIFF Judgement Date : XX/XX/XXXX Court : XXXX XXXX XXXX XXXX XXXX XXXX Case # : XXXX Plaintiff : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX  XXXX VA XXXX Defendant : XXXX, XXXX Filing Date : XX/XX/XXXX Amount : XXXX Judgement : PLAINTIFF Judgement Date : XX/XX/XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Case # : XXXX Plaintiff : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Address : XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX VA XXXX Defendant : XXXX, XXXX Filing Date : XX/XX/XXXX Amount : XXXX Judgement : PLAINTIFF Judgement Date : XX/XX/XXXX
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 
In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k. 

1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Consumer complaint received 2020-07-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (LA)

In XX/XX/2020, I made three transfers totaling {$4000.00} to Coinbase. I took positions in 3 virtual currencies. On XX/XX/2020, I requested that my account be liquidated and the funds transferred back to me. I estimate that the value of my account on the day of my request to be {$3200.00}. I have contacted Coinbase on two occasions and was told my request would take five, possibly more, business days to process my request. I have yet to receive any funds, nor has it been explained why my funds are being withheld. I hope you can help me get my money. 

Thank you, XXXX XXXX