davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

On  X/XX/2017     Wells   Fargo took  all money from one account to cover the negative balance in another account. I called to dispute the claim. The customer service transferred me 4 times. I did not receive the funds back. I have not signed any documentation stating they can take money from  one  account to cover the next. They took almost {$700.00} from my account.
Consumer complaint received 2017-07-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX XXXX, 2017, I received a letter from XXXX XXXX XXXX XXXX. The letter informed me that the request for loan discharge " has been approved. '' It further explained what this decision meant to me, which was " This discharge releases you of any financial obligations on the loan. '' After reviewing my credit report on XXXX XXXX 2017, I noticed that my credit report did not reflect accurate information regarding XXXX XXXX XXXX XXXX. Due to the fact the information was incorrect based on the letter received. On XXXX XXXX, 2017 I initiated an online dispute with Transunion. XXXX XXXX, 2017 I received notice that the investigation for my dispute was completed XXXX XXXX, 2017. I contacted Transunion concerning dispute, requesting for the account to be removed from my credit report. The investigation took longer than 30 days to resolve ; however Transunion refused to comply with the FCRA compliance. This action has affected me in a negative way
Consumer complaint received 2017-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XXXX XXXX, 2017 i contacted bank of America to inform them that my card was not in my posession and for it to be closed. I also made them aware that i was in the State of Georgia. They then issued me another card and transferred me over to the fraud dept. But the transactions are still on my new account ending in XXXX.
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I refinanced my rental home and my loan was sold to XXXX XXXX on XX/XX/XXXX. I received a mortgage statement in XX/XX/XXXX for 2 months of mortgage payment. That was paid in full in the month of XX/XX/XXXX. Before that mortgage statement was sent to me, XXXX XXXX placed on my credit report that I was delinquent by 60 days. I have been in touch with them and I do have a customer complaint number : XXXX XXXX. They have as of this date not removed the error from my credit report.
Consumer complaint received 2017-06-23
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. (CA)

Im trying to unlock my credit report from Experian. I was unable to answer the question correctly. I 've called Experian trying to correct the issue. But they are unable to help. They did send my personal PIN to the incorrect address, so someone else other then my self has my PIN. I told Experian about this and they said mistake happen and they we not concerned they sent my PIN to another person.
Consumer complaint received 2017-05-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Alliance One, Inc. (CA)

I believe the company failed to properly notify me of the terms and conditions of the debt such as the amount owed and payment due dates. The company stated because they have not received a payment in over over 30 days that they forwarded the account to the state of California tax franchise board for collection. I have not received any communication from AllianceOne prior to    XX/XX/XXXX  .  The terms of the payment agreement was NEVER outlined nor was there a payment agreement. Therefore, to send my account to another company is unjust and unfair legal practices. Secondly, the company charges a {$10.00} fee to make payments by credit card online and {$0.00} to mail a payment. I believe to charge such a ridiculous amount is also unfair to an consumer who is trying to settle their debt and are forced to pay {$10.00} as a " convenience fee '' when payment by mail are easily lost. AllianceOne is a terrible company that needs better business practices. There was never a payment schedule identified so it is unfair to suddenly send a threatening to suspend my driver 's license and forward it to the Calfornia Franchise Tax Board. AllianceOne mailed a lette r dated  XX/XX/XXXX  and on   XX/XX/XXXX   t  hey forwarded the account to another collection agency without giving me an opportunity to respond the letter.
Consumer complaint received 2017-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CA)

i have a credit card for carecredit which is owned by Synchrony bank. In XXXX 2017 i received a letter from JcPenny ( owned by synchrony bank ) to say I applied for a store card. Which I did not. I called Jcpenny  Immediately and they assured me they would report this as fraudulent. I spoke with XXXX on XXXX/2017. I obtained a report from XXXX to notice that a number of searches were applied for or credit card/store card attempts to open in my name with the same bank! listed on my report using XXXX credit services were, Walmart, Lowes, XXXX, JCPenny I called Synchrony bank again they advised me that the fraudulent searches would be deleted from all 3 of my credit files. I also filed a police report for fraud on XXXX XXXX with XXXX XXXX sheriffs department with DS XXXX XXXX. I reviewed a copy of my recent credit file yesterday to discover that Synchrony bank nearly 3 months after this event happened have still not removed the fraudulent searches on my account. I have reason also to believe that they have been a victim of a data breach as all fraudulent credit cards and searches applied for in my name, walmart, lowes, etc are owned by Syncrony bank.
Consumer complaint received 2017-05-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

In XXXX 2016 I received a bill from Toyota Financial Services ( TFS ) for the amount of {$450.00} for excessive miles and dispositions fee ; I called TFS and explains to them i m entered in to a new contract with them on XX/XX/2016 with a new XXXX XXXX XXXX, Also a call the dealer and they give me two  confirmations numbers for the payment that they made to TFS confirmations # XXXX Costumer last name XXXX, costumer vin ( last seven digit ) XXXX. Also another confirmation number # XXXX Costumer last name XXXX Vin # ( last seven digit ) XXXX I call several times to TFS i got call records date and name with the person i spoke to but they never do nothing now the send me to the collection agency and affecting my credit a lot of inconvenience to me receiving call and letter like i was delinquency. i got my proof of payment i made the calls that a have to do and now i m affected.
Consumer complaint received 2017-07-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (NC)

I 'm XXXX 2014 I purchased a XXXX XXXX my finance amount was XXXX which is ridiculous even with negative equity. Santander Consumer USA is a joke. I was never told this simple interest. I have paid on my loan since then and my amount has barely been touch what I owe. It 's impossible to get anywhere near what I owe. I contacted them numerous times because we had a financial hardship. I have been harassed at work and cell phone with calls. I contacted them and went higher up. I did a program and lowered my payment for 6 months. It was supposed to be automatically withdrawn. It was n't. I was told no fees or payments would be accessed. I have some chat transcripts and more dates. I think they should have to eat the car and the money. I would gladly give back to them.
Consumer complaint received 2017-05-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (IL)

On XX/XX/XXXX, I contacted the Debt Collection Company by the name of ERC located XXXX XXXX XXXX, XXXX, FL XXXX, Acct # XXXX, asking that they send me verification of the debt that I supposedly owe for XXXX XXXX XXXX XXXX XXXX, in the amount of {$400.00}, that 's appearing on the Credit Files. I stated that I do not recall the account, because I was believe I was XXXX at the time this account was open in XX/XX/XXXX, and would like verification of this amount, along with documents to support my signature of the Debt. As of XX/XX/XXXX, ERC has not responded. I also disputed the entry with the Credit Bureaus, such as XXXX, XXXX & XXXX, all XXXX ( XXXX ) have responded that the information has been verified as accurate. When I  contacted the Credit Bureaus by phone, and asked what information the company provided as verification ( such as contract with signature, name and bill or etc ) and was told I need to contact the creditor. Thank you XXXX XXXX XXXX
Consumer complaint received 2017-08-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SUNTRUST BANKS, INC. (GA)

On XX/XX/XXXX SunTrust Bank submitted a report to XXXX XXXX XXXX that I had or attempted to commit fraud through the checking account I had with them. I did not attempt to commit fraud or in anyway try to break the law. There was a check for {$2.00}, XXXX dollars that I had received by mail that I deposited in good faith through a SunTrust bank ATM to my checking account. I later received an email stating that the check had been placed on a five business day hold and funds would not be available until after the hold time. On XX/XX/XXXX, I received a letter stating that the check 's payee bank could not be verified and the deposit would be reversed and I would be charged a {$15.00} fee. I accepted the results and assumed that the original check amount would be reversed and the fee charged to my account as stated in the letter. Within two weeks SunTrust Bank sends a report to XXXX XXXX XXXX that fraud or an attempt was committed by me on my account. Since XXXX, I have tried to contact the department of SunTrust Bank that submitted the report, disputed the report with XXXX XXXX XXXX but have only received the run around from SunTrust. I have the most recent report from XXXX., and as before it has a report of fraud from SunTrust Bank but there is no loss or transaction listed to support the fraud accusation. My question is how could there have been fraud attempted when the deposit was on hold for 5 days, no withdrawals or transactions made or paid against the held deposit and during the hold time SunTrust was supposedly communicating with the payee bank of the check I had received?
Consumer complaint received 2017-05-22
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: EQUIFAX, INC. (NY)

XXXX  foreclosed on my home in  2011 . I was part of a class action suit against them and received a very small amount of money as compensation. I have sent various letters to  XXXX  and to the  XXXX  major credit reporting companies.  XXXX  sent me back a letter stating they could not locate my account and asked that I provide them with validation information and copies of my credit report. I then sent a letter to  XXXX ,  XXXX , and Equifax -- disputing that  XXXX  could not validate my account.   XXXX   removed the foreclosure from my credit report.  XXXX  and Equifax have not.   Thank You
Consumer complaint received 2017-07-20
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. (NC)

I called in to TransUnion XXXX on XXXX/XXXX/XXXX to request XXXX credit inquiries to be removed from my credit report due to a glitch in their system during the months of XXXX XXXX and XXXX thru XXXX of XXXX. I explained to the customer service rep as well as the supervisor during the phone call, that I am also aware of the law that requires the credit reporting agency to notify the consumer after they add previously deleted information to my credit report. As of today XXXX/XXXX/XXXX TransUnion XXXX has failed to remove my inquiries.
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (CA)

I refinanced my rental home and my loan was sold to Loan Care on XXXX XXXX,2017. I received a mortgage statement in XXXX for 2 months of mortgage payment. That was paid in full in the month of XXXX 2017. Before that mortgage statement was sent to me, Loan Care placed on my credit report that I was delinquent by 60 days. I have been in touch with them and I do have a customer complaint number : XXXX XXXX. They have as of this date not removed the error from my credit report.
Consumer complaint received 2017-05-20
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I was victimized by Washington  Mutual  when I got me 6 % fixed f or 10 yr s in  XXXX . We all know about the crash. Now they went out of business a nd for 3 y rs I have been trying to g et Chase to  re fi. Now I have been working with a loan agent and this is what they offer. appraisal is  XXXX . Cash in to close is  XXXX . Loan amount would be  XXXX . This adds up to  XXXX . Really is this not a rip off. They want me to sign to a loan that amounts to  XXXX . Also their apprai sers are always low. So I will just sell when I can, never never deal with Chase, and go on with my business. Nice way to treat a vet. So I know you can not change them but I wanted to show you what they offered. Clearly they are taking advantage of me again. At my age, this loan would be totally crazy to take. Again, just another rip off by Chase. No wonder people hate to deal with them. They simply are about taking advantage of people to make MORE money for the father company. So this is my swansong to Chase. I  would not open an account with them if they gave me  XXXX  to do so. If they were the only bank to buy a home with, I would simply rent. Man, I can not believe they get away with this stuff.  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX
Consumer complaint received 2016-11-11
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Resurgent Capital Services L.P. (PA)

I have recently been informed that there is negative information reported by XXXX XXXX XXXX ( original ) and LVNV Funding , LLC ( collecting agency ) in the file showing under my Social Security number at the XXXX Credit Bureaus.. Upon ordering a copy of my credit report, I see an entry from XXXX " my account was charged off '' and entry from LVNV Funding , LLC " I owe {$590.00} ''. 
These are XXXX different entries in my credit report about the same account. 

I am unaware of " owing {$590.00} or having a charge off '' with these companies. 

I tried to contact them with no result at all. 
XXXX XXXX XXXX sent me a letter, they no longer own this account, it was transferred to LVNV Funding ( Letter is attached ). 
LVNV Funding do n't have enough information about my case. 
( Letter attached ). No one send me any validation of this account.
Consumer complaint received 2024-08-28
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. (AL)

i pulled my credit report and i noticed inaccurate information on my credit report that violates my consumer rights. i also noticed unauthorized hard inquires that were not given my hand written consent to furnish anything on my credit report. 
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 XXXX XXXX XXXX. 

Account name : XXXXXXXX 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 XXXXXXXX has violated my rights.

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 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Resurgent Capital Services L.P. (LA)

LVNV LLC is reporting a late on my credit report. LVNV purchased this debt from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX charged off this debt and sold it to LVNV. LVNV did not and provide proof of ownership of this debt, when reported to the CRA. A receipt, an assignment, .a contract is needed as proof of ownership.This must be produced as per FDCPA, without it they are unable to report a debt not proven as owned unless proof of ownership is provided. They claim that a validation letter is proof, wrong, it must be it must in a form sale receipt, contract, or assignment. This is a violation, please delete
Consumer complaint received 2016-11-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TN)

Received a demanding letter from Midland Credit Management ( MCM ) stating I owed {$760.00} to them. XXXX heading was Pre-Legal Notification. XXXX states, " If we do n't hear from you or receive payment by XX/XX/XXXX, we may proceed with forwarding this account to an attorney. '' I received the letter on XX/XX/XXXX 
I responded in writing disputing my responsibility for this debt and requested a validation notice from MCM. Note, their letter did not state that I had this option which I understand is required by the FDCPA. 
MCM submitted a response to my request with a statement from XXXX Bank. The name on the account is similar to mine but the address is Nevada. After a quick search, I found the person sharing my name who resides in Nevada with the matching address on the Credit One Bank statement. 
It appears that MCM targets individuals with similar or matching names and bullies them into paying a debt that they do not owe by threatening legal action. 
I have attached the letters I have received from MCM and my XXXX written responses disputing this debt. 
I have formally asked them to stop all communications with me regarding a debt that is not my responsibility.
Consumer complaint received 2017-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (FL)

On XXXX XXXX, 2017, I decided to apply for a new Chase freedom card. During the application process Chase adds an unusual step asking if the applicant wants to transfer balances. I thought it was part of the credit history full disclosure application process. I added my other CC balances to the application. I later got on the phone to discuss opening my account and the Chase representative proceeded to tell me that I needed to reduce my credit limits on my other Chase cards if I wanted to open this card. Not even once did we discuss transferring balances. On XX/XX/XXXX I got an email from XXXX telling me that I had been charged close to {$600.00} in fees on my chase credit card. I logged in to find out that Chase had gone ahead with the balance transfers without consulting me. I called the representatives and asked why they had gone through with the balance transfers without my approval. Their answer was that during the application process I had requested the balance transfers and that was enough. I replied that if I had known about the high fees I would have never gone forward with the balance transfers. Chase told me that the fees are disclosed online and that I clicked the " agree to terms and conditions '' which I never knew included the fees. The process is so misleading that I had already paid down my credit card balances when Chase started the process of transferring the balances. Now I have credit cards with positive balances at a cost of {$600.00} that I never agreed to. I called Chase to tell them to undo the balance transfers and they told me that there was nothing they could do, even thought the transfers did not even appear on my other credit cards. A credit card application process should never include a misleading step like the one that Chase has on his application. Balance transfers or anything else for what a bank wants to charge an astronomical fee should be explained to the customer NOT hidden in terms and conditions that are not even upfront and center.
Consumer complaint received 2017-08-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: M&T BANK CORPORATION (VA)

Complaint already filed on XXXX XXXX of XXXX being worked on separately. I hate to file this on the bank but I have no other choice. I purchased a brand new travel trailer on XXXX XXXX, by XXXX XXXX, I still had received no merchandise for the loan they took out on me. As of XXXX XXXX, I was advised that XXXX XXXX was in the process of flat cancelling the loan. I have gotten nothing but lies from both companies. I have filed complaints and ca n't get returned calls. On XXXX M & T Bank confirmed to me they had received the collateral from XXXX XXXX to flat cancel the loan and my account would show updated and closed on Monday. I have been more than patient but am now questioning if either company is telling me the truth. Today is XXXX and the loan is still showing open and accruing interest. What on the earth is the hold up? I ca n't deal with this stress much longer. It is killing me! Thanks for any help in reaching out to this company. Attached is the documentation for the conversations between the bank rep and myself. This has gone on for far too long.