davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

I 've had excellent credit history and the only late mark on my credit is from Wells Fargo for a misunderstanding. I signed up for auto pay through their website for my payments to come out each month directly from my checking account. But, I must have misssed some fine print about it taking a few days or weeks to actually set up and that my vey next payment would not come out through auto pay. When I received a call from Wells Fargo on the 30th day of being past due I was extremely shocked and asked the representative calling to please make sure this does not affect my credit. I let him know that I was set up on auto pay and he asked if I saw the fine print and/or noticed that a payment had not come out yet and I answered no I signed up and I thought I was good to go. I immediately asked if I could make XXXX payments right on the phone with him so I could actually be a month ahead and never worry about being late again. He accepted my payments and said he would work on making sure it would n't report late on my credit. I left it at that thinking I was all squared away for the misunderstanding which occurred between XX/XX/XXXX and XX/XX/XXXX. A few months later ( around XX/XX/XXXX ) I was applying for a refi for my mortgage and was asked about a 30 day late that was on my credit. The 30 day late mark on my credit actually hurt my chance of receiving the best mortgage rate. I called Wells Fargo and spoke with a supervisor XXXX who said there was nothing that could be done. There is no going back after they report a late payment and I would have to deal with it, that there is no one that I could speak with for this issue. I called back a month or two later and spoke with a female representative that also claimed the same thing XXXX did. So I asked to speak with any supervisor other then XXXX. A gentleman ( I do n't recall his name ) came on and was very kind, said I could request in writing and send it in via fax. Be ask s me to give it two weeks to a month for the department who handles reporting on credit bureaus to review and see I paid well for a year now and may remove the late payment mark. I did just that. I asked kindly in a letter to please see I 've actually paid well and an entire month ahead in payments for the year to prove it was truly a misunderstanding. An entire month later I receive a letter not acknowledging anything on my letter but that there records are correct and no chance will be made on my credit bureaus.
Consumer complaint received 2016-11-16
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (KS)

I am filing this complaint against SYNCB/CARE CREDIT. 

I joined XXXX last year 2015 and saw this company listed on my reports as a charged off account that was sold to another lender. I have never done business with this company and have reached out to them several times by mail in the year 2015 to current with no success, requesting them to validate this debt/account by providing me with prof of contract bearing my signature. 

None of my letters that I mailed to this company were ever returned to me, so this year I decided to mail my letters certified mail with a return receipt to see if someone signs for my letters and they did. 

All though they signed for my letters they never responded back to my dispute and failed to report to the credit bureaus that this account is being disputed by me within the 30 day time frame. 

I feel that I have made every goodwill attempt to reach out to SYNCB/CARE CREDIT to correct their records by removing this negative incorrect listing from my credit reports, so I feel that I have no other choice but to file a complaint with you in the hopes of getting this problem resolved. 

My good name has suffered do this and my last resort will be small claims court, however I 'm hoping that you all can assist me with getting this problem solved once and for all. 


Thanks in advance.
Consumer complaint received 2017-03-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BMW Financial Services NA, LLC (CA)

After filling Chapter XXXX Bankruptcy, Alphera Financial Services/BMW was notified. I maintained communication with the company in an attempt to renegotiate the car note. My payments were timely prior unforeseen medical hardship. I inquired about having XXXX notes wrapped to the end of the contract and was successful. In XX/XX/XXXX, I attempted to get the vehicle refinances in-house and via other finance companies sources. Meanwhile, agents from Alphera called me relentlessly on a recorded line despite my demands the agents to cease and desist. I was told that I would continue receiving calls until payments were brought current. I removed my phone number from the online account but calls continued. I sent 8 emails but calls continued. In XX/XX/XXXX, XXXX an Account Manager in Collections transferred me to the finance department and I held for 2 hours until I hang-up. Calls continued to commence on a regular basis. On XX/XX/XXXX at XXXX, I spoke with XXXX on a recorded line however he did not identify that the call was being recorded. I asked for the mailing address for the company however he refused and hung-up abruptly. I located an address online for both XXXX and XXXX, I sent both companies a certified letter asking to cease & desist and offering to voluntarily surrender the vehicle. The letters were received by the same individual. On XX/XX/XXXX, I spoke with XXXX, Account Manager in Collections again to renegotiate my car note. I informed XXXX that I held for two hours when she transferred me to finance. I managed to get the refinance done online but the note was increased, although I attempted to get it reduced by Alphera in-house. At which time, I informed her that I needed to surrender the vehicle. In a threaten tone, XXXX firmly told me that calls may continue, if I surrender the vehicle it would be sold at auction and the debt would be placed on my credit until the full amount was paid in full. In XX/XX/XXXX, XXXX fro XXXX showed up at my house late one night, outside of normal collection hours, blocked my driveway and persisted to harass residents by ringing the doorbell numerous time to retrieve the XXXX. On XX/XX/XXXX at XXXX, a rep from XXXX came to my house. On XX/XX/XXXX at XXXX, another representative came to my house ringing my doorbell claiming to be someone with an alarm company but there was a tow truck present. 
Note : Proof of Phone Calls, Correspondence and Surveillance pictures of the repo reps from XXXX available upon request
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc. (GA)

credit reporting companies : XXXX XXXX and XXXX are all reporting inaccurate information on my public record on my credit report. It has hindered my ability to purchase a home for my family I have reached out to each and they all say they can not verify my identity. In that case you all have improperly added false information to my consumer report and credit report.
Consumer complaint received 2017-01-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I ran my credit report through TransUnion on XXXX XXXX, XXXX and noticed that my XXXX XXXX XXXX was scheduled to be removed from my credit report on or around XXXX XXXX. I ran my credit report again on XXXX XXXX, XXXX and notice that the date of the removal changed from XXXX XXXX to XXXX XXXX. I disputed this discrepancy online and through customer service and bought it to their attention that they re-aged my account which is illegal. I waited until I receive their official investigative results in which they kept the XXXX XXXX date of removal. I spoke to XXXX XXXX who could n't explain why the date of removal was changed. I was then directed to XXXX Bank in which I had the WORST experience I could ever recall in my adult life! The representative told me the information was correct on my credit report, that the information from my XXXX report was incorrect and that there was nothing I could do about it. I am attaching proof of credit report ran on XXXX XXXX and on XXXX XXXX to show the discrepancy. I also plan on filing a complaint with the Attorney General because they should not go unpunished.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NJ)

I have been trying to transfer money out for more than a month. Was told the issue was solved several times. Today the account is " locked ''. When I called, I was told the account was under " review ''. I was told no other information will be provided to me. I was told I can not speak with anyone who has the authority fix the account.
Consumer complaint received 2024-09-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (WA)

I am writing to formally complain about Affirm , Inc. for their failure to properly notify me regarding two of my accounts before reporting late payments on my credit report, as required by the Fair Credit Reporting Act ( FCRA ). Specifically, Affirm , Inc. has violated the following provisions of the FCRA : 1. **Section 623 ( a ) ( 1 ) ( A ) ** : Affirm, Inc. did not provide accurate information regarding my payment history.

2. **Section 623 ( a ) ( 7 ) ** : The company failed to notify me of their intention to report the late payments, which is a requirement prior to submitting such negative information to credit reporting agencies.
Consumer complaint received 2024-09-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (SC)

This company gave my information to a third party agency and calls me not giving their name trying to collect a debt. 
XXXX XXXX XXXX XXXX XXXX XXXX 15 USCode 1692C and they violated this code
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NY)

Hello I am familiar with a lawsuit that you and Attorney General XXXX XXXX have made against Navient and XXXX XXXX and I would like a voice in this matter! I am one of the many students affected by the company Navient. 

I recently read the article on what you plan to do to these big loan companies. One of which I actually have student loans with and let me tell you they are n't pretty. I am XXXX years old and moved to XXXX in 2015 to attend the XXXX. I graduated XX/XX/XXXX, and I am still in New York pursing my XXXX career. I already have a XXXX and XXXX, but naturally I am struggling. To come here I took out the Parent Plus Loan. The first year my parents co-signed and the second year my now retired grandparents co-signed. I currently have {$80000.00} of student loan debt in my name. The funny part is that {$65000.00} of that debt is technically under my parents because they co-signed, and they are basing my payment plan on the {$70000.00} my dad makes in a year. But the kicker is that my parents are unable to help me pay my loans because they are caring for XXXX other children at home. So I am in this alone with a payment of {$480.00} every month for the next 25 years. That payment on top of {$770.00} for rent, {$110.00} for my monthly XXXX card, and {$100.00} a month for groceries. I am working XXXX jobs and having to sacrifice money for the student loan payment and rent out of my grocery money. The XXXX jobs are not cutting it and I might even have to get a XXXX. I have not time or effort to put into my career and it really makes me sad. I even went so far as setting up a XXXX account to see if I could wrangle up any kind of help. I hold an XXXX in XXXX. XXXX is my passion, the only thing I want to do and I barley have time to dedicate to it because I am working day and night just to have enough to survive life and the loan. I really want to be a part of what you are doing and have a voice in the matter. I want to be a part of this and maybe some relief for XXXX just like me can come of this. If you read this email PLEASE HELP. I ca n't do this alone anymore.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion has been told by both XXXX and the collection department for XXXX correct information and yet a year later for XXXX and 4 months later from XXXX, nothing has been amended on my credit report. They are still showing on the FICO pull a serious delinquency and collection from XXXX and their collection agency. That should be showing from 2011 as the delinquency, not as of recent. It 's been corrected on XXXX over a year ago but TransUnion has either been slow to the finish line or refusing to correct the items. From XXXX it is still showing the balances are too high and that is incorrect as well. I 'm utilizing and have been for over 4 months, less than 5 % of my total credit. XXXX sent TransUnion a secondary notice of XXXX balance when I complained last month.
Consumer complaint received 2017-01-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This account is supposed to be {$0.00} balance, not {$180.00}. I attached Letterhead in the last complaint number XXXX when you stated you would update account to XXXX balance but you never did it. Now it is XX/XX/XXXX and you still have a balance that i know Child Support did not send to you. Child Support updated account every XXXX of the month. If the is nothing to report like XXXX balance nothing gets sent out. Please remove this account from my credit report, on XX/XX/XXXX, if there is something to report child support will send it to you.
Consumer complaint received 2016-07-20
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: DISCOVER BANK (NY)

I recently received a copy of my XXXX and XXXX credit report. My credit has been compromised in which I had a fraudulent account opened under my name and credit has been compromised. The credit report shows a XXXX credit inquiry by your company of which I did n't authorize. I have disputed multiple times and it is not being removed, according to the credit bureaus it keeps getting verified. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to find a rental apartment. I have applied to numerous apartments and credit and due to the credit inquiries keep getting denied. If I ca n't get an apartment due to this I would be homeless with my XXXX year old daughter. They keep saying I applied however I had my identity comprised in which I had a fraudulent XXXX account under my name which was verified and deleted.
Consumer complaint received 2016-06-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am filing this complaint because XXXX, Transunion, XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( A ) of the FCRA -they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2024-09-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (OR)

My aunt, XXXX XXXX died on XX/XX/XXXX leaving a will funding XXXX XXXX XXXX XXXX of which I am a named beneficiary. While I was awarded one part of the money, a second part ( {$300000.00} ) was never distributed to me. The Trustee ( Wells Fargo Bank , N.A . with XXXX XXXX of Wells Fargo Advisors XXXX, Texas aXXXX 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 XXXXssured us that she was worthy of my aunt 's trust. We flew home, buried other relatives and forgot about the paperwork. Late last year while going through old boxes, I came across the aforementioned documents and realized that {$300000.00} was never distributed to " Trustee of XXXX XXXX  Trust created in Article 5 for the benefit of XXXX XXXX brother, XXXX XXXX XXXX '' ( as quoted in the Amendment of Trust Agreement ). XXXX XXXX XXXX XXXX ( The XXXX XXXX XXXX ) was created on XX/XX/XXXX and no check was ever issued to me from my aunt, XXXX XXXX XXXX, or the XXXX XXXX XXXX in the amount of {$300000.00}. 

Furthermore, I researched that Trust beneficiaries are lawfully entitled to an accounting of the Trust and a copy of the Trust document. We were told in XXXX by XXXX XXXX that we were not entitled to these things. I then wrote letters to Wells Fargo seeking restoration and to reclaim what my aunt intended for me. The letters I wrote also indicate that the Amendment to the Trust may have been made after my aunt 's death. If the official and notarized signature page to the amendment was printed on the same printer as the other documents and the printer document number in small print at the bottom of each page is after XXXX ( as on her Last Will and Testament filed and dated XX/XX/XXXX after her death ) then the signature of my aunt is a forgery. The amendment is null and void. And there is theft and Grand Larceny involved of about {$10.00} XXXX dollars! Additionally, there were Texas oil leases involved and oil income ( about {$15.00} XXXX ) which would have continued perhaps to this day. If that is so, then there is a current prosecutable crime involved. 

My complaint to Wells Fargo 's Enterprise Complaints Management Office ( ECMO ) proved unsatisfactory and the case was closed. I was told that I needed to provide the account number for the Trust. I do not have that number. Wells Fargo has the number. I realize that 15 years have passed and locating that number is problematic. However, I am XXXX XXXX XXXX with no XXXX or pension other than Social Security. I can't seem to get hired anywhere. I started a business in XXXX and it is failing. I can not pay rent and pay my credit cards, too. I am close to homelessness. I do not want to hear Wells Fargo tell me how hard it would be for them to find the account number! 

Trusts do not have an expiration date and Wells Fargo is the Trustee. I need what is owed me. I ask for your help, please!
Consumer complaint received 2016-07-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc. (SC)

XX/XX/XXXX, I filed for Chapter XXXX Bankruptcy. All of my creditors were notified and, payments were made through the XXXX Trustee to all of my creditors. My bankruptcy was discharged/dismissed in XXXX XXXX. Today, XXXX XXXX, I received a phone call from McCarthy, Burgess, and Wolff, indicating that they were calling to collect a debt. A friend of mine also received a letter, addressed to me, from this company. I no longer reside at the XXXX location with my friend, but nonetheless, my friend notified me of the letter. The letter stated that they were collecting a debt from XXXX. I have documentation from the XXXX Trustee that XXXX was paid off through my bankruptcy. XXXX requires written request of pay off verification for which I can request to be sent directly to this company and/or XXXX from the XXXX Trustee. The letter from McCarthy, Burgess, and Wolf stated that the debt was " verified '', however, this is impossible given that the XXXX Trustee has already paid the debt on my behalf and I no longer owe. XXXX is also not reporting any debt to them on my credit reports. This company is attempting to collect debt from me that I do not owe.
Consumer complaint received 2017-01-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one is reporting me negatively to the credit bureaus as being 30 days late back in XXXX 2010 although they are well aware that it only happened once throughout the whole life time of the account and I had difficulty 's receiving my statements as I live in a big apt . building however, even after contacting them about it, advising them to correct it, as it causes me credit damage, and even after I was already promised by XXXX XXXX, it will be corrected they still continuing to report it negatively. despite that it 's not being reported to XXXX and XXXX with a late remark.
Consumer complaint received 2017-01-23
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CREDIT ACCEPTANCE CORPORATION (MD)

Credit Acceptance Corporation funded and servicing a joint account that was produced at XXXX XXXX XXXX in the amount of XXXX after we left the dealership on XX/XX/2016. Credit Acceptance Corporation was notified of the incident and failed to investigate. Credit Acceptance Corporation stated due to pending litigation they will not respond ; and continue taking unauthorized payments from a XXXX XXXX in XXXX Maryland
Consumer complaint received 2016-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Pinnacle Credit Services, LLC (TX)

Someone had used my information for XXXX and it resulted in over {$3000.00} in debt that is WRONGLY effecting my credit. I had contacted XXXX and even got a lawyer to help me remove this from my credit but have had no luck getting a response from Pinnacle Credit Services. I am now going to get a notarized letter from my lawyer and I and send that to them. Not hearing from them should indicate that this needs to be removed since they are not willing to work with me. This debt is NOT MINE and Pinnacle Credit services has done nothing to right this wrong.
Consumer complaint received 2016-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Receivables Performance Management, LLC (CO)

Today on XXXX XXXX, 2016 I have received 3 phone calls from Receivables Performance Management. Every time I answer my phone, its dead air and they are not speaking. I call back and got disconnected on more than 6 times. I placed a cease and disease on my account to stop contact me because of the harassment number of phone calls in one given day. After I placed the cease and disease on the account I received another phone call from Receivables Performance Management.