davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (OH)

I have a company-sponsored 401 ( k ) at Wells Fargo. Starting this year, Wells Fargo does not send paper statements. I never consented to receive electronic documents. ( I have never logged in to the Wells Fargo web site, so I never accepted any consent language associated with logging in. ) I called Wells Fargo. They said that I would have to call back every time I wanted a paper statement, even though they acknowledged that I have a right to receive paper statements.
Consumer complaint received 2018-09-09
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: EQUIFAX, INC. (CA)

For over a year I have been trying to get a copy of my credit report from Equifax. I have a credit card and car loan, and have a credit history stemming years back. Yet Equifax tells me I have no history. 

This is incorrect. Both XXXX AND XXXX have full credit profiles for me. I verified that both my credit card ( XXXX ) and car loan company have been sending my information to Equifax and confirmed they did. I asked them to resend in XX/XX/2018. I called Equifax and they STILL said they have no history of me. This is impossible. 

In XXXX I submitted a formal inquiry to Equifax with my social security card and other proofs of information, along with the XXXX and XXXX credit reports. On XX/XX/2018, I received a letter from Equifax telling me I do not have a current file. This is absolutely ridiculous, because I do in fact have a credit card.
Consumer complaint received 2018-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (TX)

XX/XX/18. i filed a dispute with XXXX XXXX XXXX for {$810.00} charge on my account. The bank granted provisional credit but did not restore my credit limit. I sent numerous emails bank and forth trying to get the credit limit restored. The bank representatives have refused to correct credit limit. 

I obtained the credit slip and emailed to XXXX XXXX.   XXXX XXXX  completed dispute onXX/XX/18. 

XX/XX/18- I talked to XXXX an account manager. He told me  dispute was closed on XX/XX/18 and credit limit should systematical update on XX/XX/18. Payments or credits may take up to seven business days to process even though payments and credits are posted online. He refused to correct credit limit
Consumer complaint received 2018-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX reporting that I was making payments to them and then I stop making payments for 10 months showing 30 late payments on three different loans that are duplicates from three other different Loan Servicing Company which are all paid off including the ones held by these people who say that I made 30 payments. The loans were in deferment during this time and there's no way that I wasn't making the payments because they were in deferment. I wasn't making any payments so therefore there couldn't have been any late payments before or after the loans have been paid in full. I've disputed the loans with Equifax and XXXX and they're still showing up on three of the XXXX XXXX XXXX has 10 late payments on each loan totaling 30 late payments which is hurting my chance to rent an apartment and buy a car because of the late payments. I had a loan of XXXX one for XXXX and one for XXXX and they've all been paid off satisfactorily through XXXX. I never made a late payment!
Consumer complaint received 2018-09-10
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: CL Holdings LLC (AZ)

I filed Bankruptcy Chapter XXXX in XXXX and it was discharged in XXXX. One of the discharged accounts was XXXX. XXXX was sold to XXXX. We did not reaffirm on our auto. We turned in the truck to XXXX. XXXX did not report us because they said it was included in the bankruptcy. Two months ago my credit report started to report that listed XXXX XXXX original creditor XXXX on my report. I believe they are the collection company for XXXX. I disputed the claim with XXXX and they did not remove the account. I gave case numbers and discharge dates as well. Pursuant to Bankruptcy laws, Items listed in my discharge of debtors are required to be removed from my credit report.
Consumer complaint received 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AP)

My credit is Frozen because of an OPM data breach in 2015. I called TransUnion and attempted to get a copy of my credit report and update errors I had seen earlier. After, about 20 minutes on the phone I was told there was not enough information in my file to verify me so I would have to do it in writing. I went online and tried to access my report after collecting a lot of my information I was told I would have to call in. I called the toll free annual credit report number and they mailed me a copy which verify my concerns of errors in my report. The generic letter and copy of my report gives me no method in correcting my report but to go online and this site. TransUnion has made it impossible for me to correct my report because I don't use credit and haven't it seems be a sort of punishment ...
Consumer complaint received 2018-01-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC. (FL)

I was in car accident back in XXXX XXXX and the other driver insurance company XXXX XXXX totaled out my car an gave almost the amount of payoff and GAP insurance took care of the rest.Also company listed wrong last of payment on my credit report of XXXX which is causing issues in my credit due to false reporting.But the last payment they recieved was from Gap that paid off car.The company also re aged debt with the credit bureaus
Consumer complaint received 2018-01-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Byrider Franchising, LLC (MA)

Hello I am having an issue with XXXX and XXXX XXXX  removing a repossession from my credit report. I had an issue with the company the entire duration I had financed the XXXX XXXX. They intentionally make it hard for you meet the terms of their agreement and to ultimately fail the program. The car was valued at {$4500.00} and I was told before signing the contract that the total cost over 3 years would be {$13000.00} which also included the price of a warranty agreement. I later find out after the finance manager went over my contract rapidly, like an auctioneer, that the total amount would be {$21000.00} with a fixed interest rate of 19.95 %. I was told that the interest rate was based on my credit score. I later find out that this rate is given to everyone no matter what their credit rating is like. 
They allow some customers to pay via phone with credit/debit while demanding others to make payments in person. This is inconsistent of their contract terms. If I were even a day late on my payment, the company would call and leave me voicemail messages several times in a day, sometimes within minutes of each other, threatening to repossess my vehicle if I did n't pay. I still have these voicemail messages. I once became ill, was out of work, and could n't make my payments. I explained this to the fiance company and was told I had to bring doctors notes explaining my diagnosis in order to keep my car from being repossessed. This is a violation of my HIPAA rights. 
In the end of XXXX I got a new job where I 'm paid monthly. I called to make the finance company aware of this and to let them know there would be a lapse in payment. The finance company then, without notifying me, repossessed my car on XX/XX/XXXX. On XX/XX/XXXX I had just withdrew the money from my bank account to bring my payments to current. If a curing default notice was sent to me, the repo could have been prevented. In addition the finance company did n't send me any notice to make me aware of what their intent was with the now repossessed vehicle. When I saw that the company was reporting late payments on my credit report, I decided to sue them for predatory and unfair business practices. I had an issue with their entire process.I sent my intent to sue. A few weeks after I sent my intent to sue, I called the finance company to learn of what happened to the car. I was told by XXXX that the car was purchased back by XXXX XXXX for {$5000.00} and my balance of {$13000.00} was forgiven and deemed as paid off. I now want this removed completely from my credit report. I was never given proper notice of their intent to repo, by phone, certified notice, or a mailed notice. They continuously harassed myself and family members when a payment was due but conveniently did n't make me aware of their intent to repossess.
Consumer complaint received 2018-09-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KINGS CREDIT SERVICES (CA)

Kings Credit Services a debt collection company showed up as a collection on my three credit reports. I disputed to the three credit reporting agencies XXXX XXXX and XXXX and all of them came back as verified debt. If the debt was indeed verified Kings Credit Services is in violation of the HIPAA law. I never signed a consent for anyone to share my medical in it information with the third party or any other company or entity. I also never received any documentation with my signature on it stating otherwise.
Consumer complaint received 2018-09-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (CA)

{$50000.00}, 59 months CD, 1.49 %, opened XX/XX/XXXX.

Closed the account : XX/XX/XXXX.

$ XXXXCD was on deposit for two years, four months. After fees and penalties, the {$50000.00} CD had a current balance of {$51000.00} and was redeemed at {$49000.00}. The fees and penalties totaled {$1800.00} which reversed all interest paid to date and {$80.00} more.

When I asked for an explanation, nobody at the branch could print how the penalties were calculated. I called the XXXX customer service number, and after many tries, I determined the penalty was 50 % of the interest that would be paid over the total 59 months. The penalty was 3.2525 % on a CD that paid 1.49 %.

US Bank markets the product as a standard CD. Through my experience, standard five years CD 'S have penalties of six months of interest. This penalty was over two years of interest. Amazing and outrageous.

At minimum, in my opinion, this is an unfair banking practice. Customers beware. When you open a CD at US Bank, you do not know what you are getting.
Consumer complaint received 2018-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : Consumer Financial Protection Bureau I am writing to complain about Non-Compliance for the following. Credit Bureaus ( XXXX, Transunion and XXXX ). I requested on XX/XX/2018 my Full Consumer Disclosure File, not my credit report. They have failed to comply with FCRA-Section 609 ( a ) ( 1 ) by not providing the date of First Delinquency, the FCRA Compliance Date and the date and Name of the party who reported the date of first delinquency. They sent me my Credit Reports and they do not contain the requested information. XXXX XXXX is the Original Creditor and Original Account # XXXX I am concerned that it has been re-aged by a junk debt buyer. So I am wanting to see my disclosure file ... .. I sent All Three Credit Bureaus the processing fee of {$12.00}. Transunion Cashed it, but only sent my credit report and not my disclosure file. XXXX and XXXX  sent my credit report only, so far they have not cashed the processing fee of {$12.00} or returned it to me. I have included attached cancelled check for processing fee, copy of letters to all 3 bureaus, copy of the XXXX XXXX Original bill showing account info. I would appreciate it if the CFPB engages all 3 Bureaus for Violating FCRA-Section 609 ( a ) ( 1 ) by not providing my Consumer Disclosure File. These reports I requested are crucial to me defending against another CA, that is violating Consumer Credit Reporting laws.

Kindest Regards
Consumer complaint received 2018-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (WI)

On XX/XX/XXXX I called American Express ( XXXX ) to redeem cash rewards on my Blue Cash Everyday Card. The person I spoke with processed my cash rewards and encouraged me to sign up for the Blue Cash Preferred Card ( {$95.00} annual fee ). My current card has no annual fee. I said I would need to determine that the increased rewards on the card being offered would more than offset the annual fee on that card. I was told that inXX/XX/XXXX I made {$4900.00} in purchases at supermarkets and {$6000.00} at gas stations. Those figures confirmed the increased rewards more than offset the annual fee of the new card. I agreed to change to the new card. Later the same day, I thought the purchases given to me seemed excessive. I have all my statements forXX/XX/XXXX and they are available on my personal American Express credit card account page. I totaled my purchases for XX/XX/XXXX at supermarkets and gas stations at {$1800.00} and {$2100.00} respectively. I've since cancelled the change to the new card. To date I haven't incurred any loss as a result of this matter. If that changes in the future, I'll proceed settle this matter.
Consumer complaint received 2018-09-09
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: EQUIFAX, INC. (TX)

I have mailed the credit bureaus letters requesting old inquiries be deleted off of my credit report.It has been going on for over 2 months. I also disputed the different socials to be deleted as well which are not my social security numbers. Most inquiries on my report are over 2 years and some are not authorized.
Consumer complaint received 2018-07-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Resolution Corporation (KY)

I was never contacted concerning this account and have no knowledge of this collection agency. In some cases disputes were added years after dates of service. I assumed it was paid by insurance after years of not hearing any information about these accounts. Had I known I would have paid this debt.
Consumer complaint received 2018-09-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (CA)

I started receiving harassing calls from this number about 6 months ago. When I finally decided to try and talk to the person on the phone they told me I had a debt in collection is excess of {$500.00}. I have medical insurance and have not had any major medical costs so that number seemed unlikely even if I had missed a bill. After arguing with the person on the phone for about 20 minutes, they said there had been a mistake on my account and they were billing me twice, so my debt was actually only half of the original amount so if Id like to pay now that would be great. My radar went way up- scam? I asked for more information on the origin of the debt and the information they gave me was useless- I couldnt get enough information to call the doctors office and confirm that I had indeed missed the payment. The next time the callled I asked for a paper document itemizing the debt. They sent me a letter with no real information on it- original debt? Interest charged? Creditor name? On the letter they gave me a website I could go to and pay my debt. When I try to log in, given the log in information that gave me, it says that my account could not be located. So now, Im sure I am accruing more interest because I will not give my cc over the phone and I can not log in to the portal provided. I still can to figure out the doctors office that it is coming from either.
Consumer complaint received 2018-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RS Clark and Associates, Inc. (TX)

On XX/XX/2018 I contacted RS Clark & Associates for a pay for delete of a XXXX debt. The representative stated it was a recorded call and they collect debt ( which I was aware ) The lady stated she would need to get her managers approvol to collect the debt and then have it deleted from all 3 credit reporting agencies, she placed me on hold, came back and she stated that she would be able to do that ... she sent me to a woman to take my payment and then emailed me my receipt and I also received one in the mail ... I also faxed them back the sign copy of my receipt the same or next day. So I check my CR and its still showing on XXXX  and XXXX, they only deleted it off of 1 CBR! I then sent them and email on Tuesday XX/XX/18 asking them why they have not removed the debt from the other 2 agencies and they have ignored my emails.
Consumer complaint received 2018-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (PA)

T D Bank charge me for overdraft in which I had the account block on my business account if the funds are not in the account the transaction is not suppose to go threw. I see I buy something on my debit card it takes days to go threw. I also notice this time 1 transaction threw my account off and T D Bank charges me {$240.00} dollars for 1 transaction that the money was short on XXXX. I have been in a branch 2 times that there are not suppose to be no transaction be approved if the funds are not there. My next issue is that debit is suppose to be only approved if the funds are in the account. I did not agree to let transaction go threw my business account if the funds are not there. I also been to T D Bank about this and now this time 1 transaction cause me {$240.00} in over draft fees. My account is minus {$190.00} as to date for no reason due to the transaction throwing previous transactions off due to TD Bank not doing as we discuss. This is one of the worst banks I have had to deal with towards business. Month before my account was hack and while I was at the branch it took over 45 minutes to shut the account down. This as I was told was being doing by some company in XXXX as I was sitting at the branch in XXXX PA they was still making transaction it was cleared up 10 days later. My issue I should not owe no {$190.00}
Consumer complaint received 2018-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

In XX/XX/2018, I contacted equifax concerning account on my credit report showing " included in bankruptcy write-off, account closed ". In fact, just the opposite is true, the account is quite active, and the payments are up to date! Since originally reporting this to equifax through there own website I # 1 never received response # 2 the reporting by equifax is still inaccurate, no correction is made. ( I don't understand why the government we the people pay to protect, we the people. Instead protect a monopoly like equifax from defamation litigation? )
Consumer complaint received 2018-09-09
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: Experian Information Solutions Inc. (MS)

XX/XX/2017 a catalog account from XXXX was used by someone other than me without my knowledge or permission. I notified XXXX immediately that this was not my account-someone used the catalog that was in my name. They continued ho report delinquency to the credit bureaus so I notified them this was not my acccount. It was corrected for a short time but XXXX continues to report delinquencies knowing full well the account is not my responsibility.
Consumer complaint received 2018-09-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC. (CA)

I have recently started a credit counseling debt management plan. My loan through XXXX was added to this and is being reported on my credit report as being handled by a credit counseling agency but that it is a delinquent account and past due. I have tried contacting the company but I have received no response.
Consumer complaint received 2018-03-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: AUTOMOBILE ACCEPTANCE CORPORATION (GA)

Automobile Acceptance Corporation & XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX never served me with a suit and fraudulently filed a garnishment of my bank account for {$21000.00} According to the paper work it reaches the statute of limitations and the attorney who is acting as a debt collector failed to send me the proper paper work to view this case.
Consumer complaint received 2018-09-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

I logged in online at XXXX to pay my XXXX XXXX card and it wouldnt let me choose XX/XX/XXXX ... I could only choose the next day. I looked and to my dismay I had to login by XXXX. I went ahead and made my payment and sent them an email my daughter was sick anf being doctors was closed had to take her to stat care, therefore, it slipped my mind until I got her home. They replied I had a fee off last XXXX and wasnt eligible. I last year battled XXXX and forgot on a XXXX XXXX..I cant believe they dont care about a VERY GOOD customer. It was such a canned response. I believe they should remove my fee ... for Gods sakes its been a year! Its bot like i dont carry a balance, believe me they make money on my interest. I would like them to reconsider removing any fee. Thank you