davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (TX)

On or about XX/XX/XXXX   I, XXXX XXXX had a problem with my car that I informed my bank WELLS FARGO how the merchant did not properly repair my car. 
I, XXXX XXXX SENT WELLS FARGO INFORMATION ON HOW THE MERCHANT XXXX XXXX  DID NOT FIX MY CAR PROPERLY. AND ABOUT VISA POLICY HOW IF A MERCHANT DOES NOT REPAIR THE PROBLEM PROPERLY THAT THE BANK WILL REFUND A PERSON MONEY. WELLS FARGO, STATED THEY WERE RETURNING THE FUNDS THEN TURNED AROUND AND TOOK THE MONEY BACK. 
WELLS FARGO, IS NOT FOLLOWING VISA POLICY CORRECTLY IN ABIDING BY THE POLICIES. WELLS FARGO HAS BEEN DECEITFUL IN THIS MATTER AND XXXX XXXX IS DEMANDING THAT THEY GIVE HER BACK THE MONEY THEY SUPPOSE TO HER ACCOUNT. I AM WAITING TO HEAR FROM WELLS FARGO BEFORE A SMALL CLAIMS COURT LAWSUIT IS FILED IN THE COURTS. WELLS FARGO HAS A BAD HISTORY OF NOT DEALING TRUSTWORTHY OF CUSTOMERS.THIS IS NOT RIGHT. I AM ASKING FOR CFPB TO LOOK INTO THIS MATTER XXXX.
Consumer complaint received 2023-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

The company is NuwRez LLC. I received a call from one of their representatives stating I was at risk of foreclosure for mortgage payments ( XXXX ) on XXXX at XXXX XXXX I called them back that afternoon at # given to me by my previous lender ( XXXX XXXX ) for contacting them ( XXXX ). They verified my loan was up to date. 

My concern is this company should not make threatening phone calls on a loan that has just been transferred to them. I can prove I have never had a late payment for my mortgage in the 24 years I have had the loan. Please do what you can.
Consumer complaint received 2023-07-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Global Trust Management LLC (TX)

There is no problem with XXXX XXXX itself. My installment loan was paid off back in XXXX of this year. I pulled up my account on their website, I called and spoke with them, and I did a chat with XXXX of the reps just to make sure. The XXXX XXXX XXXX, confirmed that that loan was already paid off and that the account is now inactive.

I am getting repeated phone calls from Global Trust Management. Ive already spoken with one of the reps about a month ago and she said that I would have to contact XXXX XXXX to get it worked out because theyre still trying to collect his debt for them. At this point they are calling me regularly and theyre calling my husbands phone. The strange thing is that when theyre calling my phone shows global trust management but once they hang up, theres no number/no record of them calling on my call registry. The rep who called today actually spoke with me. I was able to answer the phone on time and I explained to her that this was a loan that was already paid off months ago and she claimed that it is still open and that XXXX XXXX sent it over sent it to them to collect ( XXXX XXXX still denies that. ). The Global Trust Management rep said that she could give me until tomorrow. At this point, I know that debt is not valid and I just want this company to stop contacting me and my family. I am a schoolteacher out for the summer, but we return in a few weeks, and I dont want this company to start calling my school and cause problems for me!
Consumer complaint received 2023-07-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (FL)

In XXXX of XXXX I had a procedure done at XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. I was offered a credit for this with XXXX percent for 5 years via Care Credit. I did the math and it came down to about {$300.00} per month which I could afford, so I agreed to it. I was given a paper to sign and no documents to take with me. I received online registration credentials and was using Care Credit app to pay the amounts that were shown in the app as due. First red flag that I've noticed was that my payments were very high at first, but were gradually decreasing month over month. I was never late on payment and in my mind I was paying off a XXXX interest medical loan. I came to find out on XX/XX/XXXX that my care credit was charged deferred interest on purchases of {$9600.00}, bringing my balance owed up to {$19000.00}. The original loan amount was {$18000.00}. At no point in time I have received any communication that the loan had to be paid in full in 2 years and not XXXX. If it was communicated to me, that would mean that my monthly payments would be around {$770.00} and I wouldn't be able to make these payments, therefore wouldn't agree to the procedure or taking this credit. At no point in time I received any reminders about paying off the credit before XXXX of XXXX. I was following the payment plan of Care Credit and in my mind was on time paying off my 5 year loan. But it appears that this plan is designed for a customer to end up owing about 50 % of what they borrowed in XXXX years, bringing me to this scenario. If this was communicated with me, I would've not agreed to it, as my monthly payments would've been more that I could afford. Contacting Care Credit did not bring any result as after hours on hold, I wasn't able to speak to anyone about it. After doing research, I saw that Care Credit was sued and lost in XXXX doing the same practices it is doing today. Also, I was able to find out that someone in similar situation was able to get help from Consumer Financial Protection Bureau. I am not saying that I will not pay the balance owed, but I am willing to pay the balance that I borrowed over the 5 years that was originally advertised. I need help having this interest reversed or pushed and pushed to the originally advertised 5 year. It looks like a fraudulent tactic to get money from the customers by Care Credit.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give these companies permission to run my credit
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (MS)

I pulled my credit file on XXXX and saw that Ally Financial pulled my credit report without my permission. I called and spoke with a rep in the customer service department XXXX agent # XXXXand he stated that he would send it to the fraud department and after investigation they will contact the credit bureaus. The problem I have with this, they only asked for my name and address, which I provided. I explained to him that that was generic information and I couldn't imagine that that's all the info he needed. In there phone system I put my social security number and no account popped up. He couldn't explain to me why Ally pulled my credit on XX/XX/2022 without my consent ; therefore, I have placed freezes back on my credit report and I am filing this complaint. I need this off my credit report and this company to be held accountable fir fraudulent practices.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I did not try to get a car loan and I have several new inquires for auto financing. I called the credit companies and have had no success getting them removed. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2023-07-19
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: CAVALRY INVESTMENTS, LLC (MO)

I have been trying to dispute the account that is listed below, and they are not taking it off. I am a victim of identity theft and I have properly submitted my FTC report and they will not remove. On XX/XX/2023, I submitted a FTC report on the account from Calvary Portfolio for {$3100.00}. 

Calvary Portfolio Acct XXXX XXXX XXXX
Consumer complaint received 2018-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (PA)

On Saturday, XX/XX/XXXX, I received a letter from Chase in regards to important changes to my credit card account. In this letter, it indicated that my account was reviewed and it was determined that my interest rate would be increased, effective XX/XX/2019 because my APR is " below the lowest APRSs currently offered on similar accounts. '' Since there is a section in the letter that references rejecting the changes, I called to see what my options were. I called the creditor and was told I could either accept the rate increase or close my account. I suspect this has to do with the fact that I changed my account from a non-rewards account to a rewards account and I feel that this could be a way for the creditor to make up for the cash back option or travel rewards option associated with my account. I did some research before filing this claim and I did take note that online, part of the Credit Reform Act is to protect against arbitrary rate increases. And this feels totally arbitrary.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MN)

The public information record of XXXX XXXX XXXX thats listed on my XXXX, Equifax and XXXX XXXX credit report is incorrect. The public information record is inaccurate.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

I have made countless attempts to resolve this matter concerning my personal information bring stolen and sold on the black market, I have filed several police reports and ftc reports which I have attached to this compliant, But XXXX, Equifax and XXXX and XXXX XXXX XXXX has made this process more that difficult to resolved I have spoken with the " special divisions team '' on several occasions but the items on my report that I do not know of or have not authorized have not been removed from my report, as I have requested I am trying to get this matter resolved before I take further Legal action based of the FCRA law and consumer rights which have not only been violated, but no one is helping me in this matter and I am the victim, with accounts still being opened in my name to this day, I was to remedy this quickly
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRIES AND ADDRESSES REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE FRAUDULENT INQUIRIES XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX FRAUDULENT ADDRESSES 1. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CO)

On XX/XX/2020, I decided to purchase a NordicTrack XXXX treadmill from Best Buy for {$3900.00}. I noticed that there was an offer almost matching XXXX and decided to purchase from Best Buy as I enjoy doing business with them ( until now ). I  followed their instructions to sign up for a Best Buy Credit Card, got approved, and executed the order with " 24 month 0 % financing '' option chosen. 
Immediately after the order was processed, I received an email saying there was a " problem with my payment authorization ''. I could not reach anyone via Chat to help me so I decided to call on the next day. 

XX/XX/2020 -- I called into the Best Buy help line, they redirected me to what I believe is Best Buy Card Services. Card Services told me 'let us help '. They told me " oh, your credit limit is only {$1000.00} '' which is completely non-sense as I have a XXXX credit score and extremely healthy finances. They told me the only way to make this work is a credit limit increase and they would do that now and get back to me. Nope, no credit limit increase was granted SHOCKINGLY, and so here I am with a hard hit on my credit at least once for a credit card I never wanted, that was only signed up for to fulfill a 24 month 0 % financing offer that doesn't even exist. 

This is outrageous. Best Buy should be ashamed.
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Social Finance, Inc. (CA)

I have a sofi credit card open belong with my information but I never opened it. It display the address in XXXX when I'm living in XXXX  and I filed police report, contact with Sofi and also filed credit dispute but not work.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (OK)

I opened a citizens checking account last month because there was a promotion that is going on, one of the terms of the promotion is if i have a direct deposit equivalent to or more than {$500.00}, i would get a bonus, so i set my direct deposit from my work to my citizens checking account with the amount of {$500.00}, i was also using the debit card on XXXX. Then, out of the blue, my debit card was deactivated and i could not access the account at all, i called in and they said they dont know what is going on and i will get a letter, today i got a letter from citizens fraud department saying my account was closed without any information and i still have money in that account. Why did they close my account after i completed the required activity to get the bonus? Are they trying to skip not paying me the promotion after i completed the requirement by closing my account in the name of fraud? Where is the money that was still in my account? They were also threatening me by saying that if i keep using the account then they will freeze it which doesnt make sense because they said the account is closed and i still have my money in it
Consumer complaint received 2023-07-19
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE CHILD SUPPORT ENFORCEM 1 POTENTIALLY NEGATIVE MONTH Balance details Paid off - Balance {$18000.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Family Support Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Collection account. {$18000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$18000.00} Original balance - Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX , NY XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-06-24
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: M&T BANK CORPORATION (TX)

My credit report shows a 30 days late payment for my M & T Bank mortgage in XX/XX/2021. I made my payment on XX/XX/2021. I was NOT 30 days late. M & T has refused to remove the mark from my credit report stating that they report a month behind. This is not OK. I was not 30 days late making my XX/XX/2021 payment, and my credit report should not say that I was. I attempted to dispute this reporting with all 3 major credit bureaus and was informed that even though I provided the statement showing that I was not 30 days late, they do not actually have an internal team that does investigations. They simply forward it to the company and use the company 's response to the dispute. So since it is the practice of M & T Bank to report a month behind, I have a mark on my credit reports showing that I was 30 days late making my payment for XX/XX/2021 and I was not. This is affecting my ability to get a new mortgage.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I have called and faxed XXXX, equifax, and XXXX about removing my addresses, the only address that I needed to remain was my address on XXXX XXXX XXXX XXXX, XXXX IL, XXXX. 
Please remove any other address beside the one shown above.