davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-31
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY (AL)

I 'm not sure if this needs to be a complaint or just an answered question. Anyway, my wife and I went to a car dealership on XXXX/XXXX/15. My wife gave them an application for a car, was told it was approved, and she signed the paperwork and we left in the car ... .I was not part of any of the paperwork, application, nor did I give any of my information. 5 days later, I noticed I had XXXX credit inquiries where that dealer send my info for credit to XXXX different banks. I immediately called them, and they denied doing so. In fact, the sales manager put me on speaker phone and XXXX managers denied that it was even possible, said it must have been someone else, and copped an attitude about the whole issue. I called Wells Fargo, since they are the bank that the dealer said my wife was approved at, and they also denied running my credit. I to.d them that they ca n't deny the inquiry, when 's it 's clearly on my report, and was told again that it was not them. I told them I would get an attorney, so she immediately transferred me to the office of Wells Fargo president. After spending 2 hours on the phone with their office, it was determined that in fact the dealer did use my social security number, but my wife 's information. Wells Fargo called the dealer and instructed them to fix it. I called the dealer back, and he said that they pulled my data accidentally from 2 years ago, but did not use my name. They said it should have flagged that the name, DOB, and jobs did not match the file. They said they were n't sure what to do, but would fix it. Today, after XXXX calls, and XXXX email, the XXXX finally called me back and said that Wells Fargo just switched everything to my wife 's social security and all is good now, no need for new paperwork, or anything else. I told him I wanted a letter that I can provide to XXXX and the XXXX banks, and he said he would. He was still very short with me, never apologized, and acted like it was no big deal. Can something be done for them doing this? I now have XXXX Inquries, and a mess I have to clean up. It just do n't seem fair to me.
Consumer complaint received 2015-11-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My credit report is showing that I owe XXXX ( student loans ) the entire balance of my student loan, {$2700.00}. The statement reads that I have not paid a cent of the money back. Payment was late from myself to XXXX, but now has been paid in full. I owe them {$0.00}. Any attempt to work this out with the loan company has not only been unsuccessful, but downright hostile. I made a mistake in being late, but ultimately owned the problem and repaid my debt. I just want my credit report to reflect the fact that I eventually paid them.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am writing to express my concern regarding the inaccurate BANKRUPTCIES on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2016-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

My credit went from XXXX to XXXX due to the Great Recession and problems in paying medical bills and being unemployed. In XXXX I landed a job and have not missed any bill payments since then. Accordingly, my credit went from XXXX to XXXX in XXXX. However, in XXXX of XXXX my credit suddenly dropped from XXXX to XXXX per XXXX XXXX 's data collected from XXXX and Equifax. When I checked to see why I discovered a XXXX NEW entries for unpaid balances that were XXXX YEARS OLD, both dated XXXX XXXX, XXXX. Both entries involved " XXXX XXXX XXXX '' which I have never heard of in amounts of {$13000.00} and {$4600.00}. I contacted Equifax and XXXX and got their typical barrage of obfuscation and confusing emails, none of which addressed the problem. Then they simply noted the " entries were removed '' but my credit remained dinged by XXXX points. 
I want to know if the Big XXXX credit reporting firms business models rely on keeping people beaten down, downtrodden, and miserable to enhance their profits by selling their services? They seem quick to harm someone but unresponsive in fixing problems. For me, this is very damaging in that it may preclude me from getting a mortgage. Worse yet, credit in this range will likely have an adverse affect on me getting a promotion. 

There is no salient documentation as my complaints were filed with XXXX and Equifax on line and I was unable to save correspondence in their website. There responses did not address, or rectify, the issue. 

Thank you.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2015-07-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (FL)

I received a letter in the mail from a collections company in regards to an unpaid balance of {$80.00} from Suntrust. Once I called XXXX XXXX XXXX in MA, they informed me that I overdrew my Suntrust account which was opened in 2012. They do not have any details on if money was ever entered into the account or withdrawn? I was astonished because I have never been a member of Suntrust. My next step was to call Suntrust, who I explained my situation to. They transferred me from department to department several times before I ended up initially where I placed my call. The representative then said she was going to get her manager for assistance and hung up. I have tried calling XXXX more times and the same exact thing happened! Finally an agent placed a claim and told me I would hear something back in 24 hours, which never happened. I asked them to delete the bank account and contact the collection company, which has not taken place.
Consumer complaint received 2016-03-31
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: Trans-Fast Remittance LLC (CA)

hi I tried to send money thru online money transfer service trans-fast remittance llc XXXX 
after loggin in and sending money I received a email after XXXX min saying that my transaction has been cancelled. I called them to ask ehy then the rep. told me that because I failed security check that why not only they cancelled my transaction but also blocked my account so I can not ever use trans-fast again. I talked to supervisor and they gave me the same answer that because I failed in security check. 
I am 100 % sure that information I gave them is real and accurate. then why I should fail a such test. 
I asked them to recheck and do manual verification but they did not entertained my queries.
Consumer complaint received 2015-04-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northland Group Inc (WA)

This is a continued attempt to collect a debt on an old credit card that I do not believe to be mine. I have requested verification of this amount, and am either ignored or sent extensive paperwork to complete. At no time has either third-party agency provided me with proof of debt. If I received anything from them that showed this was valid, I am happy to provide payment, but as my records show my last payment on the card ( which I paid in full ) was in XX/XX/XXXX, I am concerned at the paperwork stating that it was paid last in XX/XX/XXXX, years after I had moved from XXXX and last used the card. Again, I had paid this card in full and then relocated to Washington three months later. After researching both Northland Group and XXXX XXXX XXXX and learning of their less than ethical practices, I felt it necessary to report their activity.
Consumer complaint received 2015-09-29
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I owe Capital One on my CCD {$650.00} with a minimum payment of {$170.00}. I am behind by three payments ( 3 months ) so far. They have called me 46x ( recorded ) this month alone about the amount owed. I have spoken with them and told them that I am aware but had other pressing matters. I have asked them to only call me once a day at the very least. They have ignored my concerns. I have blocked their number through an app on my phone that records their calls. I would like them to stop calling me. I recognize the debt and am working on paying them. I have already cancelled one card by them.
Consumer complaint received 2024-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NC)

Law 15 U.S.C 1692C On XX/XX/year> Midland credit management reported to my credit report for XXXX accounts that I do not have ownership of that I have collections. I have contacted them several times to cease communicating with me, the company still sends letters and emails to my home. As well as reporting to my credit reports I have a collection with them. {$2300.00}, {$1000.00}, {$460.00}.
Consumer complaint received 2016-01-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (KY)

ACS will not apply my payments equally to each of my loans. When I make a payment by check, they only apply the payment to XXXX loan, and the other remains past due. I then have to call them and go through, what is often, a lengthy, frustrating process, consisting of multiple calls to get the payments applied. I have paid {$1200.00} since XXXX and XXXX of my loans is 65 days past due. I can not get them to apply the payments properly.
Consumer complaint received 2016-01-18
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings (TX)

Here 's mynissue : I want to pay Speedy Cash off in full. I suffered a series of distressing and documentable circumstances. Going in person to attempt to speak to an associate, I felt humiliated, discounted and embarrassed. I am also seriously concerned about predatory lending with beastly, unfair fees on top of fees and mountains of interest charge. 

I need your help, please : I am formally demanding a total payoff amount - minus those predatory fees and beastly interest. Also, had I been able to get help, clarity and assistance in person, I know that some of these fees would not be on this account. 

Please assist me toward demanding a full payoff amount offer, in writing minus those predatory fees and compounded interest on top of interest. I want this account to be totally resolved. Please also pass stricter legislation to govern and regulate these predatory organization and the way consumers are treated. Their documents are complicated for the average person and difficult to understand the true, devastating impact on a consumer 's account, budget and life. Thank you very much.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Basis for dispute : **Inaccuracy of information. The charge off information reported is incorrect. **** Account Name : XXXX, Account Number : XXXX Hight Balance : Different amounts : {$2200.00} ( XXXX ), {$0.00} ( Experian ), {$1300.00} ( XXXX ). Date of Last Activity : Different dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ). Closed date : Only reported for XXXX and Two-Year Payment History : Significant discrepancies in payment history. The inclusion of this erroneous information is causing significant and unjustified harm to my credit history.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX is reporting XXXX late payments ( XXXX, XXXX, and XXXX  days past due ) for both accounts [ Account Numbers : XXXX and XXXX ]. These entries are inconsistent with my payment history. Despite disputes submitted on XX/XX/year>, XXXX XXXX has failed to provide validation. 

This letter serves as a formal request for investigation and validation under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Issues Identified Account XXXX [ XXXX ] : XXXX late payments ( XXXX, XXXX, and XXXX days past due ) have been reported inaccurately. 
A past-due amount of {$30.00} is listed without proper validation or notice. 
Account XXXX [ XXXX ] : Similar late payment markers ( XXXX, XXXX, and XXXX days past due ) and a {$30.00} past-due balance are being inaccurately reported. 
Consumer Law Violations 15 U.S.C. 1681i ( a ) : Under the FCRA, I have the right to dispute the completeness or accuracy of any item on my credit report. XXXX XXXX is obligated to investigate and correct any inaccurate information. 
15 U.S.C. 1692g : The FDCPA requires creditors or collectors to validate debts upon request. This includes providing accurate documentation of the delinquency and any supporting information.

Demands for Validation and Resolution I request that XXXX XXXX conduct a thorough investigation and provide the following : Validation of the reported late payments, including dates, payment history, and proof of delinquency notices sent to me. 
Documentation to substantiate the {$30.00} past-due amount for both accounts, including itemized charges, fees, and original agreements. 
Immediate removal of any unvalidated or inaccurate information from all credit reporting agencies.

Attached is a copy of the debt validation letter, copy of my DL, Credit Report, SS Card, Insurance Card for address verification.
Consumer complaint received 2016-01-19
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX I received a BALANCE DUE NOTICE to renew my home insurance policy ( XXXX to XXXX ) from XXXX XXXX XXXX company.This notice also indicated that Bank of America ( XXXX XXXX, CALIFORNIA ) is responsible for the balance due.On XXXX XXXX XXXX sent me a NOTICE of CANCELLATION of my home insurance policy effective XXXX because the BALANCE DUE AMOUNT billed to Bank of America ( XXXX XXXX XXXX CALIFORNIA ) was not paid. Thereafter a letter was mailed to me from Bank of America INSURANCE DEPT. ( XXXX XXXX, TEXAS ), dated XXXX XXXX, it stated that my home insurance policy coverage has expired and they do not have an evidence that I obtained a new coverage. I was instructed to immediately provide evidence of a new home insurance policy coverage or they will pay for the new coverage which will be more expensive for me. I contacted the Bank of America INSURANCE DEPT. ( XXXX XXXX, TEXAS ) and informed the representative ( XXXX ) that my ESCROW ACCOUNT with Bank of America ( XXXX XXXX, CALIFORNIA ) is responsible for my home insurance policy payment. The following is the representative 's response to me : ( 1 ) I am no longer with Bank of America ( XXXX XXXX, CALIFORNIA ). ( 2 ) My account was transferred to Bank of America ( XXXX, FLORIDA ). ( 3 ) My monthly mortgage payment is low so I should be able to afford paying for my home insurance policy coverage.I question the representative why I did not received a notification of this transfer.He apologized and strongly insisted that I pay and obtain the new home insurance policy. I objected. Afterwards, Bank of America INSURANCE DEPT. ( XXXX XXXX, TEXAS ) sent me a SECOND and FINAL NOTICE, dated XXXX XXXX, notifying me to obtain the new home insurance policy coverage or they will provide it at an expensive cost to me.And they did. A Bank of America INSURANCE DEPT. ( XXXX, TEXAS ) letter.dated XXXX, that I received notified me that they have acquired the new home insurance policy coverage including the proof of coverage and how much more I have to pay them. According to Bank of America INSURANCE DEPT. ( XXXX. XXXX, TEXAS ) my account was transferred from Bank of America XXXX XXXX, CALIFORNIA to Bank of America XXXX, FLORIDA. However, I received a letter from Bank of America XXXX XXXX, CALIFORNIA, dated XXXX XXXX, informing me that my ESCROW ACCOUNT payment will increase, hence, my monthly mortgage payment also, effective XXXX XXXX ( from {$1200.00} to {$1500.00} ) .They also provided a copy of the SUMMARY of my XXXX ESCROW PAYMENTS and REIMBURSEMENTS which confirm that they paid the ANNUAL PREMIUM AMOUNT to RENEW MY HOME INSURANCE POLICY COVERAGE on XXXX at the amount of {$1400.00}. I do not really know who to believe and what to do now. I am a senior citizen and an XXXX veteran. PLEASE HELP!!!
Consumer complaint received 2015-11-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

A short sale was commenced on my property with SPS ( Select Portfolio Servicing ). On XXXX XXXX, 2015, ON XXXX XXXX, the bank come back with a counter for the amount of {$270000.00} because the XXXX came back for this amount I tell her that is ridicules because this property is in bad condition. Also, the principal balance + extra charge is {$210000.00} was ridicules because the bank request a height offer them the payoff for this account. 
. 
My hardship is due to a financial hardship being that I 'm currently unemployed and do n't received unemployment benefits. I just have a baby so I now have XXXX kids to take care of. I has very difficult to live this way. I have made every attempt to salvage my home. I ask that you help to resolve our situation. The bank reviewed my file for a short sale and give to us an " Approval letter on XXXX/XXXX/15 we received the 1st Approval for a XXXX Short sale with the same offer of {$220000.00} then they give XXXX extension, but we can closing the property for a Problems with our bankruptcy and then the bank request submit again the file on XXXX/XXXX/15 because they can not give an XXXX extension on the Approval letter. 

Now the bank Request a higher Counter offer for the amount of $ XXXX.This property is in bed condition, please see attached Home inspection need a lot of repairs.
Consumer complaint received 2015-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I had an account with XXXX like five years ago, I actually did nothing wrong whatsoever and of course there was no abuse I never abused any checking account with any institution and of course not with an account i had open maybe like three months. 

I had someone working for me in the an other state I was trying to sent her via ACH like XXXX since this was a fairly new account instead of adding i was debiting her account which i adjusted immediately when I was made aware of the error at that point someone of the bank called me and was trying to scare me of and all that he was threatening me with all he could. to make a long story short they reported me to the Chex systems so I cant open a new account now cause of this issue please help me to get my records straight. 
Thank you in advanceXXXX XXXX
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Block of Information Due to Identity Theft Under FCRA 605B Dear Sir/Madam, I am writing to formally request the immediate block of information on my credit report related to accounts and inquiries resulting from identity theft. This request is made pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). 

XXXX XXXX XXXX ACCOUNT NUMBER XXXX DATE OPENED XX/XX/2021 According to FCRA 605B, you are required to block the reporting of the aforementioned fraudulent information within four business days of receiving this request. I kindly ask that you send me a written confirmation once this action has been completed. 



If you require any additional information or have any questions, please feel free to contact me at XXXX XXXX