davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

the company " TOYOTA MOTOR CREDIT '' reporting on my account, replied to my dispute with a notice for deletion of said acct for XXXX.. but refuses to report the same information for the other 2 bureaus i.e XXXX and XXXX with updated information for the acct to be " deleted '' or " suppressed ''
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (MS)

on XX/XX/2018 i sent a letter to XXXX  XXXX requesting them to verify my signature on the item that they say i owe $ XXXX haven't heard anything regarding this item that is damaging my credit report.
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

to whom it may concern upon further investigation, i have retained copies of my new credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law.you are required by federal law to place to a notice of dispute on my account within 30 days of my dispute which you signed for on XXXX/2018. i have retained a copy of your signature and date of receipt, as well as a time stamped copy of my credit reports, showing that you have violated the fair credit reporting act, section 623 ( a ) ( 3 ) and/0r the fair Debt collections practices act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period i took the final goodwill attempt to have you clear up the matter the listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. ( 3 ) Duty to provide notice of dispute. if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any reporting agency without that such information is disputed by consumer ( b ) time notice ( BI ) the notice require under subparagraph ( A ) shall be provided to the customer prior to or no later than 30 days after furnishing the negative information to a consumer reporting agency described in section 603 ( p )
Consumer complaint received 2018-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

Re : Complaint U S BANK - Case # XXXX I received the response of the US BANK thru mail. 
It is worth noting about the CHANGES made in my MOBILE BANKING Statement of XX/XX/2017 after I called US bank Customer Service that I reported the Case / issue above to the Media. 
Before calling US BANK Customer Service I communicated to the US Bank Manager XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX,  CA and CONFIRMED that the MONEY in Dispute was NOT Yet credited to my account. 
Both of us went to the XX/XX/2017 Bank statements and had the same Verdict NOT YET CREDITED ... 
I was told by the US BANK Customer Service to speak again with the Manager because he will talk to him ... 
So I did and after XXXX XXXX had LUNCH on the same day ( above ) I spoke with US BANK Manager and Customer Service and got all my 2017 bank statements printed out. 
The demeanor, facial expression and tone of voice of the US Bank XXXX XXXX XXXX had changed .... mad and somewhat under pressure. 
Then he ( manager ) gave me the CHANGED VERSION of the XX/XX/2017 Bank Statements and said, ACCORDING TO THEM THEY ALREADY GAVE BACK THE MONEY.,,, I Stated, BUT YOU AND ME KNEW PRETTY WELL THEY DI D NOT. 
The people in this mentioned above location were friendly, goes to extra mile to help and honest ... the dilemma in this predicament started at their own FRAUDELIENT TEAM and Customer Service. 
Before the issue reached the US bank President, the problem had has already been GREATLY MODIFED to Cover the Tracts.
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma (IL)

Registered prior to an account at CreditKarma.com. Claims to be a FREE credit SCORE site. Reset my password yesterday XX/XX/XXXX. Site - Requested my social security number last 4 digits, birth date, address and name. Never been able to access my credit scores or log into the site since : it immediately and 24hrs later just fails to load/ gives a " too many redirects site not accessible. '' There is no telephone support so I emailed customer service via their website. The email reply from service received today XX/XX/XXXX then asked me to fill out the help form on the site. I did that - again there they ask for the prior details ( " in order to quickly access your account and get a faster response. '' ) Today I then get a further customer service email from that, saying we need you to email us c copy of your drivers license or state ID in order to further resolve your access to log in to get your score. I sent an email refusing to do so. 

I have since found on their website many complaints about the site being fraudulent/ asking for social security numbers in order to access info etc etc - yet never then providing it, website " broken. '' The Q & A has ZERO responses to many of the complaints filed by customers and instead the " replies '' were posts that I myself have never done, but were displaying my user name as a reply to the complaint with a generic technical answer that is some jargon on their website. This site is fraudulent. CFPB needs to be aware - since its seems to have good reviews on the XXXX XXXX - it is misleading. Please try and access the site for yourselves, register and verify this - as well as search and view the many complaints of fraud from other clients. It is very dangerous, since it seems legitimate - and it requests and is therefore getting very sensitive client information including state IDs. licenses, birth dates, full addresses, emails etc etc
Consumer complaint received 2018-05-16
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. (CA)

I'm submitting this complaint today with the assistance of an attorney due to the negative impact this negligence had on my credit report. I've listed the account in question and a copy of this is also being submitted to XXXX XXXX along with my supporting documentation. I'm also forwarding this to XXXX. 

Account : XXXX XXXX XXXX XXXX XXXX was sold to XXXX and then sold to XXXX. 
Current owner : XXXX Payments : On XX/XX/XXXX, I paid {$580.00} to XXXX. I've attached the bank statement that details clearly the monies being taken out of my account on said date. 

XXXX : XXXX XXXX reported me " late '' for the following months in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX reported me as " late for the following months in XX/XX/XXXX and XX/XX/XXXX Follow-up : I called XXXX less than 7 days ago and asked for a letter stating that payment was made ad received XX/XX/XXXX. The letter I received states that payment was received XX/XX/XXXX. 

Problem : A. This is not the date it was paid. Even if this were so, how could XXXX XXXX even report me as late after an alleged payment in XXXX was made? 
B. In addition, how is it possible that XXXX XXXX is reporting any late payment ( s ), when they are not the owner of the account? 
C. The statement sent to me by XXXX  is false regard the date they're stating payment was made My attorney has recommended that I first reach out to the CFPB to make my complaint prior to moving forward in any other legal manner. This is false information reporting on my credit file and the account must immediately be deleted from my credit report. I'm aware that creditors can not just " verify '' without proving paperwork to substantiate their claim, especially when I've pointed out that this information is false. 

This account must be immediately removed from my credit report. The fact that the bureaus allow for this reporting to continue is clearly negligence on their part, as the factor listed in section Problem : B of this complaint.
Consumer complaint received 2018-05-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (AZ)

My APR is 344 %. Arizona 's statutory maximum for consumer lenders is 36 %. I borrowed {$2000.00} and I have paid back {$3200.00} since XX/XX/2017. That interest rate is 116.93 % and the loan is void under Arizona law.
Consumer complaint received 2024-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

A check was written in the amount of {$200000.00} to the untied states treasury and mailed through the US mail. The check was stolen and washed. The check presented to Wells Fargo was nor even remotely close to what my check looked like. My first and last are spelled wrong, the check was completely re-created and no not possess any of the security features of my real checks. My signature is not even close to what it really looks like. The check was written XX/XX/year> and the bank honored it on XX/XX/year>. 
I did not know about this until the IRS fined me for not paying on time. I reviewed my account online and saw the check for {$200000.00} was paid and i assumed it was paid to who I wrote it to. Wells fargo did not post this check for view online as they have with every heck I have ever written and it still is not viewable. I had to get a copy from the bank when I saw it was fraudulent and written to a company whom i have never heard of, Wells fargo has refused to refund our money. we have reported this theft to the FBI, The XXXX XXXX police dept and the post master. I have also retained an attorney and they still refuse to cooperated.
Consumer complaint received 2024-11-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I bought a new 2024 vehicle earlier this year with financing through PenFed. A few months before I ended up refinancing for a better rate, I purchased GAP insurance, which I am told was through XXXX XXXX. When I refinanced, I checked about a prorated refund on the GAP insurance and was told I wasn't getting anything. This seems to be a type of hostage situation if someone can't get some of their money back when they refinance, like they wouldn't refinance knowing that and thus be stuck with the higher rate through PenFed. It's also a form of theft because I was charged for a service thats need would have ended when my loan ended. Now I am stuck with needing to pay for GAP insurance again, which pretty much defeats the purpose of me trying to lower my car payment to begin with.
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Sent several letters out to XXXX, XXXX and Transunion about not having the accounts verified through electronic verification and provide me with documentation showing the validity of these items. Two letters have already gone to XXXX, XXXX   and Transunion asking for personal verification and not electronic, and all 3 credit bureaus continue to verify it as correct through electronic verification. They did not contact the creditors personally, but did it though electronic verification after I requested that they do not use that form of verification and to verify my signature. They have failed to do this request. I do not have the correct account numbers since all they have is X and not the correct numbers. The bankruptcy is incorrect and they will only verify thought XXXX and not personally from the courts.
Consumer complaint received 2018-08-31
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ZARVAD III S.A. (IL)

I am in a XXXX program, I included my payday loans but they are not willing to cooperate with the settlement. Non stop calling XXXX bothering me and emailing me non stop. They are not excepting any settlement at all
Consumer complaint received 2018-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (NC)

Trident assessment management {$470.00} opened XX/XX/XXXX Last reported XX/XX/XXXX Trident assesment management XXXX perimeter center east XXXX XXXX XXXX georgia XXXX XXXX XXXX XXXX I have never been contacted by XXXX company. There is no possible way this is my debt.
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (CA)

My identity was stolen. I have charges for XXXX XXXX. I contacted them to let them know it was fraud. I asked for a copy of the applications and or account used for the fraud as per my right under this department and here 's the response : The message sender has requested a read receipt. To send a receipt, click here. 


Dear XXXX, I did not speak with you earlier this week, and was not informed that your wallet was stolen. 

Since we are a law firm we must protect our clients information, but if the police make a request I can send it to them. Your name was not used and the card was provided as if it belonged to the person. 

We have already refunded the charges to your card. 

Warmest Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Main : XXXX Fax : XXXX ****************************************************************************************************************************** This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and is legally privileged. The information being transmitted is intended only for the use of the individual or entity named above. If the receiver of this electronic transmission is not the intended recipient, please be advised that any dissemination, distribution or copying of this communication is prohibited. If you have received this electronic transmission in error please notify us by telephone and delete this message and any attachments from your computer system. 

****************************************************************************************************************************** From : XXXX XXXX [ XXXX : XXXX ] Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : Re : Affidavit of Forgery XXXX Per our conversation earlier this week, my wallet was stolen as was my identity. So I certainly do NOT know anyone by that name. 

Per the FCRA I am entitled to a copy of any and all applications and other business records relating to transactions and accounts that have that have resulted from the theft of my identity. Please consider this my formal request for records. I would appreciate the records being sent electronically via email so that I can turn them into XXXX Police. 

I will complete the affidavit this week and return to you. Do you require a mailed copy? 

I'm not clear why a refund would be issued. My bank has already flagged the transactions as fraudulent and reversed the charges. What I do need written assurance from your organization is that no further charges will occur. I've done extensive research on your firm and auto charging seems to be a matter of complaint regarding your offices. 

I look forward to receiving the copies requested and for this matter to be closed. 

Thank you XXXX XXXX
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have reached out to my creditors that are reporting my payments as past due and I have never been late on a payment. I have had issues with these companies reporting incorrect payment status. I gave them the opportunity to fix this but seems like I'm not getting anywhere and I was advised I could reach out to you. These are the accounts reporting inaccurate payment information. 

1. XXXX XXXX Acct # XXXX ( XXXX, XXXX, Transunion ) 2. XXXX XXXX Acct # XXXX ( XXXX ) 3. XXXX XXXX XXXX Acct # XXXX ( XXXX )
Consumer complaint received 2018-08-31
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2018 my purse was stolen that had my social security card, drivers license, kids social security cards, chase bank ATM card, XXXX XXXX credit card in it. Some one opened a XXXX  XXXX XXXX account in my name.
Consumer complaint received 2018-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CO)

Around the XX/XX/XXXX I received a call from my credit card company about possible fruad after speaking with them I called Wells Fargo because I noticed charges on my account that were not authorized by me. I filed a dispute with them. While on the phone the agent I spoke with noticed other charges and so two different disputes were files for a total of 84 charges totally nearly {$3000.00}. Wells Fargo at first awarded me a claim of {$470.00}. and then closed the case I filed a claim with the CFPB about this and Wells Fargo called me and awarded me additional {$36.00}. or so ... However, tonight Wells Fargo reserved their decision and took back the award of {$470.00}. thus bring my account into the negative of {$470.00}. 
I called Wells Fargo to find out why they did this and was told that they could not find a pattern of fraud and thus reversed the decision to award any of the funds back to me and if I had an issue with this to go to my local police department. 

So I called the local police department about this issue and was told yes I could file a complaint with them about fraud but in truth they did not have the resources to contact some 80 businesses in three states to see if they could get any information much less actually catch anyone because of the issues. 

I feel that Wells Fargo is just trying to pass the buck and really not trying to see the fraud or to solve the issue.
Consumer complaint received 2018-08-31
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. (MI)

I CONTACTED XXXX AND MADE A PAYMENT AGREEMENT ON XX/XX/XXXX. I SPOKE WITH A YOUNG LADY BY THE NAME OF XXXX AND SHE STATED THAT BY ME ENTERING INTO AN AGREEMENT THAT COLLECTION WOULD STOP AND THAT NO NEGATIVE INFO WOULD BE REPORTED TO THE CREDIT BUREAU. ON XX/XX/XXXX, THE DAY OF OF MY FIRST PAYMENT, I RECEIVED AN ALERT THAT NEGATIVE INFORMATION WAS ADDED AND IT WAS REPORTED THAT MY ACCOUNT WAS 30 DAYS PLUS LATE. I WAS TOLD THIS WOULD NOT HAPPEN AND IT DID.
Consumer complaint received 2018-08-31
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 (MO)

My Capital One credit card has been charging me late fees, and interest when I increased the amount that automatically comes from my bank account. I had increased the amount to make sure that I would not have any problems with late fees and other charges against the credit card. I notice that in XXXX and XXXX the amount changed back to {$100.00} when I purposely increased amount to {$120.00}. When I checked my credit card statement it shows {$100.00} instead of {$120.00}. I believe that Capital One changed the amount of my automatic payments so they can charge me interest and late fees. 
I was paying late fees on {$1.00} over the amount of the auto payment. A late fee and interest was {$38.00} dollars. This month it was {$38.00} for over the auto payment amount of {$5.00} dollars. This causes my credit card amount to increase in interest and well as late fee charges.
Consumer complaint received 2018-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (SC)

I checked my credit report and I noticed that there was collection account on my credit report. It is fraudulent and I do not know where it comes from. I contacted the company several times asking for accurate validation to no avail. I need to see signatures I told them and where this account originated from and still nothing yet. I will be contacting the consumer attorney if this issue is not resolved ASAP. Attached is my affidavit of identity theft paperwork that is notarized as well. Credit Management LP has stolen my personal information and placed a collection on my account. According to the FCRA, this item must be removed from all three credit bureaus when resulting from identity theft.
Consumer complaint received 2024-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: TRUIST FINANCIAL CORPORATION (WA)

Follow up to closed complaint XXXX. 

My mortgage company has manipulated my loan terms through an unauthorized XXXX XXXX XXXX XXXX XXXX ). This dramatically increased the pay down amount required to remove private mortgage insurance by over {$50000.00} and was done without my consent. 

This action violates 12 U.S. Code 4901 ( 12 ), which clearly defines " original value '' based on the property 's sales price or appraisal at closing. The company uses XXXX XXXX to change my pay down amount from {$30000.00} to {$85000.00} on a principal {$650000.00} balance, without authorization or permission from me. Their action appears to be a calculated attempt to increase insurance payments from me, flagrantly disregarding both legal standards and borrower protections. 

I request an immediate and thorough investigation into these deceptive valuation practices.
Consumer complaint received 2018-08-31
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: WELLS FARGO & COMPANY (CA)

This is in regards to Account number # XXXX I am XXXX XXXX military and have a late payment on my credit report for XX/XX/2018 when I was assured this payment was made. I reached out to wells fargo and as of yet they have not resolved this matter. I am looking to purchase another home in a different state with my wife and I risk losing the house and a substantial deposit because of this error of late payment reporting please remove asap to have account reflect never late.