davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: International Financial Management (FL)

Hello, On XX/XX/XXXX, I was provided a {$5000.00} from XXXX XXXX aka XXXX XXXX XXXX. 

The term 24-month title loan with a {$1800.00} finance charge - total repayment should have been {$6800.00}. 

By XX/XX/XXXX, I paid the loan off completely total payments were {$6600.00}. I was provided a {$200.00} credit for paying it off 20 months early. 

On XX/XX/XXXX, my mortgage officer stated I had an open car loan with the above company with a balance of {$2900.00} and monthly payment of {$370.00}. 

Since I had paid that loan in-full, I knew this was an error and called the company immediately. They informed me that I had purchased {$1500.00} additional service package when I received the loan. They stated there was nothing they could do for me and that I must pay. 

Please note, the day I received the loan was I was in a jam and needed the money quickly to repair my truck for work. The contract they provided was in English and since I don't read English well I had to rely on the honesty of the companies representative. 

Unfortunately for me he was not honest.. Since this {$1500.00} package was never mentioned. I recently found out they have a common practice of selling you additional services with providing full disclosure. 

The finance charges XXXX XXXX are charging should be illegal. But I would have never complained, because they lent me the money when I needed it. 

They purposely provided me a contract that they knew I could not understand and did not disclose the additional fee. This practice is extremely deceitful and should be illegal. ( My daughter is translating this letter for me ) Sadly for me and my family we are about to lose the opportunity to purchase a home because they are trying to swindle us out of an additional {$2900.00}.
Consumer complaint received 2018-05-07
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. (NY)

I HAVE CONTACTED TRANSUNION ON 4 DIFFERENT OCCASIONS BY SENDING THEM CERTIFIED LETTERS TO VALIDATE AN ACCOUNT FROM XXXX XXXX AND XXXX. 

XXXX HAS NEVER RESPONDED TO ANY OF THE CERTIFIED LETTERS I SENT THEM, INSTEAD TRANSUNION KEEPS RESPONDING BY SAYING THE ACCOUNT IS VERIFIED. HOW IS IT VERIFIED WITHOUT ANY INFORMATION BEING SENT TO ME. WHAT ARE THEY VERIFYING? THIS IS AGAINST FAIR CREDIT REPORTING ACT BECAUSE YOU CAN NOT REPORT SOMETHING THAT HAS NOT BEEN VERIFIED. IN FACT, TRANSUNION HAD DELETED THE XXXX ACCOUNT WITH ACCOUNT NUMBER XXXX AND THEN PLACED IT BACK A FEW WEEKS LATER UNDER A DIFFERENT ACCOUNT NUMBER. THAT IS WRONG AND I AM GOING TO SEEK LEGAL COUNSEL IF IT IS NOT REMOVED IMMEDIATELY. 

I HAVE ALSO SENT XXXX XXXX REQUEST TO VALIDATE THE ACCOUNT ON MY CREDIT REPORT. ALL THEY DID WAS SEND ME A LETTER SAYING THIS IS MY ACCOUNT. WHERE IS SIGNED CONTRACT? TRANSUNION KEEPS VERIFYING THIS ACCOUNT WITHOUT PROVIDING ANY DOCUMENATION FROM THE CREDITOR.
Consumer complaint received 2018-04-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (TX)

I was called repeatedly from approximately XX/XX/XXXX through XX/XX/XXXX by XXXX XXXX and XXXX ( also referred to themselves as XXXX XXXX and Associates at times ) to collect a XXXX year old {$1000.00} college credit card debt that my wife and I are 99 % certain we paid when we married 12 years ago but do not have records that go back over a decade. They initially left voicemails that someone 18 years or older needed to be at my house in person to sign for legal papers and when I returned their call they threatened that if I didnt pay they would put a lien on my property, file a civil lawsuit, and negatively impact my credit score by reporting a default. When I called, they tried to get me to verify personal information ( they had correct previous and current addresses and the last 4 of my SSN ) which I declined to confirm but they said they knew it was me and gave me a credit card number and told me to verify it through my previous creditor which I am currently taking steps to do. They eventually sent me an email with a final demand letter for payment or settlement by XX/XX/XXXX or else legal action will be taken. They are not registered with the XXXX and have countless negative reviews when I googled their company stating that they were fraudulent and others had received similar calls. There is very little information available on their website other than a way to pay by credit card. They state on their website that their address is XXXX XXXX XXXX XXXX XXXX, Mass XXXX which reviewers stated that it was actually a XXXX Store.
Consumer complaint received 2018-03-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (NE)

My mortgage is not even late until XX/XX/XXXX. Today on XX/XX/XXXX, I received 3 calls from their auto dialer from mortgage collections. I set up my bill pay for XX/XX/XXXX, but it's probably delayed because of the weekend. Constant calling from an auto dialer before my payment is even late is abusive and violates fair debt collections practices.
Consumer complaint received 2018-04-25
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)

I was incarcerated for five years. I was released XX/XX/XXXX from XXXX XXXX CT. I ran my credit and I have no knownlegde of these accounts nor did I give anyone access to any of my personal information while gone. Below is the accounts. 

1 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT. XXXX Date Opened-XX/XX/XXXX Amount {$900.00} Remarks-Charged off as bad debt. Account closed by consumer. 

2 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX Date Opened- XX/XX/XXXX Amount {$0.00} Remarks-Charged off as bad debt. Purchased by another lender. 

3 ). XXXX  XXXX CO XXXX XXXX XXXX XXXX XXXX, FL. XXXX Date Opened-XX/XX/XXXX Amount- {$1000.00} Remarks- Placed For collections 4 ).  XXXX XXXX XXXX XXXX  XXXX XXXX, NC. XXXX Date Opened- XX/XX/XXXX Amount {$180.00} Remarks- Placed for collections 5 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX XXXX Opened- XX/XX/XXXX Amount {$8000.00} 6 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX. XXXX Date Opened- XX/XX/XXXX Amount {$97.00}
Consumer complaint received 2018-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (WA)

I had a payday loan company by the name of XXXX deposit funds into my checking account, the deal was that I paid them back on that day and then they could loan me {$2000.00} because I then had a payment history with them. Needless to say, it was a scam and the deposits they made into my account got returned. The bank is saying it isn't their fault so there's nothing they can do. This has resulted in my account being overdrawn hundreds of dollars and they just won't do anything, I tried telling them about the company who pretends to be a legit company, they admitted they know it's a scam but still won't help me or do anything to protect consumers. I get that it's not the banks fault, but most fraud and banking issues aren't the banks " fault '' per say but they still have somewhat of a responsibility to handle things when their clients get scammed. I have reported the company to the REAL XXXX XXXX XXXX. I already have called, emailed and visited the bank in person and all I get is an attitude and told it's not their problem. This put me in a terrible spot where the little money I did have was taken and they just continue to put the account more in the negative every day that goes by. This has taken a minute because I sent the original complaint to the Comptroller of the Currency and apparently that was the wrong governing board for this issue. Please help, it is not ok for this to happen.
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MN)

I was affected by the XXXX breach. Someone has stolen my identity. I've taken every precaution to try to secure my information. I've put freezes AND extended fraud alerts on all 3 credit bureaus SEVERAL TIMES ( Experian - XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) ( XXXX - XX/XX/XXXX ; XX/XX/XXXX ; and I locked the account myself online around that time. I also put a promo block on XX/XX/XXXX ) ( XXXX  XX/XX/XXXX ; XX/XX/XXXX {$5.00} ; XX/XX/XXXX ; XX/XX/XXXX {$5.00} ; XX/XX/XXXX and XX/XX/XXXX ) and they were allowed to be lifted by someone who was NOT ME. I have put verbal passwords in place to ensure nobody can alter my information, but they were either overlooked or accepted pending further questioning to " prove my identity ''. The " further questioning '' consists of questions giving multiple choice answers to someone who has already stolen my identity and can see the answers on my credit report. In one or 2 cases, someone was allowed to fax in " my '' drivers license for the freeze to get lifted. It was NOT MY DRIVERS LICENSE. I shouldn't have to feel like I'm protected over and over again, only to get alerted by my credit monitoring company that new inquires or tradelines are again being opened in my name. I'VE ALWAYS LIVED IN MINNESOTA. The fraudsters have given me an address in XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX IL XXXX. I'VE NEVER LIVED IN XXXX! I have spoke to multiple people at the 3 credit bureaus who assured me none of my information would change, YET IT DOES!
Consumer complaint received 2018-02-27
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

i have four hard inquiries that i did not authorize. one from XXXX XXXX n 3 from XXXX  XXXX. i already have a card from XXXX XXXX that is in good standing. XXXX  i never filed for anything from them.
Consumer complaint received 2018-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (TX)

This will be my fourth complaint with Wells Fargo. I appreciate your efforts in getting the checking and savings accounts removed that were unauthorized. I reviewed your response about the secured credit card and would like to follow up. First I tried contacting Wells Fargo credit card customer service today, since in your last response you advised me that the secured card is mine and that you denied your claim. So when I called in to ask where the card is they say I activated since I never actually received one. In fact my mail was actually being forwarded and I just recently fixed this with the USPS. So when I asked the agent if she knows where the card is or if I can be sent one since I explained about the identity theft and how I actually never received a card, nor bill, nor even a call for that matter. She demanded I pay the past due balance immediately being as I never even received any bills or card. I asked when I would receive a card since I was told by Wells Fargo that this is my account. The supervisor told me they cant send a card until I pay the past due. Further explaining to her that I never received a card in the first place nor even a bill I asked if she could wave the late fee since I had no idea it was late in the first place. She said they cant waive it, nor can send me a card. So I paid the past due after she kept demanding it. What I am wondering now though, where is the card? You say that I received it and activated it, yet truly I did not? I would like the card, and to be able to pay online if this is actually my account? How can I go about this? Im truly upset that I am trying my very best not to hurt my credit. I didnt even know that a card was sent in the first place. Secondly I do eventually want to bank with Wells Fargo since I havent ever in the past. Going forward when will I be able to do so? When will I receive a card for the secured account you say that is mine? I never received a card to begin with. Wheres the bills going for the account? How do I obtain access to pay online? These are all unanswered questions.
Consumer complaint received 2024-08-08
Product: Credit reporting 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. (FL)

Please note that this is my SECOND WRITTEN REQUEST. I have been contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT I INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either written or verbal, THIS A VIOLATION UNDER FCRA Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify ( by physically verifying the original signed consumer contract ) each and every INQUIRES you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account.

The unverified items listed below remain on my credit report in violation of Federal Law. The FCRA requires you to have a copy of the original documentation from creditors on file to verify that this information is mine and correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly. '' Who verified these accounts? 
You have not provider me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to inmediately DELETE all information that can not be verified. 


The following inquiries are not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-09
Product: Credit card — 
Issue: Balance transfer — 
Company: AMERICAN EXPRESS COMPANY (AZ)

I over-payed my card and I requested a credit card balance transfer on XXXX/XXXX/2016. American Express told me the credit transaction will be completed in 5-7 days. After 7 business days, I still have not gotten my over-payment transferred, and the customer representative has no solution but keep telling me to wait 48 hours.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Act 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, and XXXX  XXXX has violated my rights. 

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

15 U.S.C. 1681 Section 604 A. Section 2 it also consumer reporting agency can't furnish an account without my written instructions.

15 U. S.C. 1681B Permissible Purpose of Consumer Report
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 reported in 60 days to be removed.

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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! 


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2018-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/XXXX - I received a call from a man named XXXX on behalf of American Express now known as XXXX XXXX XXXX formerly known as XXXX XXXX XXXX ( XXXX ) XXXX and XXXX. Then the same man called again today XX/XX/XXXX multiple times and I told him that I would reach back to him and that I was on my way to work. He apparently did not listen to me and I have attempted to block him multiple times and he keeps calling me. My mother has had her bank account hacked so if you can understand that a person with a foreign accent calling me about information on my mother, then yes I will be reluctant to disclosing this information to a stranger. 

The person that he was trying to reach was my mother, XXXX. after speaking with my mother, I relayed all the information to her about the calls and she stated that she has currently hired a company to help her consolidate her payments into one. this person asked me for the last 4 of her ssn, and I told him that I will not release that info and then he asked me for the year of her birth. he proceeded to go into great detail about her credit card info and the delinquency of the card. 

I asked him how did he get my phone number and he stated that this info was listed on her account ( TO WHICH IT IS NOT ) she does not list my phone number on her account and no information has been shared except by this man with this company. How this man retrieved my personal cell phone number to reach out to get in touch with my mother. I played along and he fell for all this and then some. 

I did explain to him that he has in fact reached her daughter, XXXX. I clearly told him that my personal info is not listed anywhere on her account what so ever. 

This is not the first time that this person has attempted to contact me and when I told him that I was going to report him and his company for violating a customers rights he didn't know what to say after that. 

I did inform my mother all this info regarding to which she contacted her lawyer and she stated that she has let them know about this violation. 

I clearly told him that my phone number is ON THE NATIONAL DO NOT CALL LIST AND HAS BEEN FOR MANY YEARS. I want to file a formal charge for the harassing phone calls that this man has called on multiple times. I do not answer my phone for strange phone numbers but I had to answer this time.
Consumer complaint received 2024-08-07
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. (FL)

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE BEEN LIVING THERE XXXX XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME 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 XXXX XXXX XXXX THESE EMPLOYERS DO NOT BELONG ON MY PROFILE XXXX XXXXXXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance wi

th 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-24
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. (DE)

The information far as my name and address is reporting on my credit report wrong. My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX del XXXX this is the correct spelling of my name and the correct address