davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo bank branch located at XXXX XXXX XXXX, XXXX, FL XXXX closed with no notice whatsoever to account holders. I drove by the branch this morning, the signage was removed and a big sign indicating the location was for sale was placed on the property. It is my understanding that regulated banks must give notice of closure to the Comptroller of the Currency before closing. I could find no record of such notice being given before this branch was suddenly shuttered. Wells Fargo continues with its unabated pattern of unlawful behavior.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX XXXX I previously disputed this account with Transunion XXXX XXXX and XXXX on XX/XX/year> stating : " The current payment status of 150 Delinq is incorrect because the balance due on this account is {$0.00}. ". I don't agree with the results of your investigation. The agency verified account but failed to send me proof of information. I would like this account to be deleted as soon as possible. This inaccuracy is hurting my score and my ability to be approved by a lender. Balance can not be 0 and 150 days past due. Please delete.
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (KY)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This morning, I noticed unauthorized inquiries on my credit report, and Im baffled as to how they got there. When I checked my report, everything seemed fine initially, but suddenly, these discrepancies appeared. I refreshed the page, hoping it was a temporary glitch, but they were still there. I am requesting a thorough review of the documents I provided to prevent this from happening again.
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (LA)

My car loan was taken out in XXXX of XXXX thru XX/XX/XXXX. I believe my interest rate was too high and extra fees were charged over the time I had the loan.It was also difficult to get a refinance and I paid on time. Also I had a courtesy delay twice. Please check that as well because hidden fees may have been charged.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KS)

My credit reports generated by XXXX, XXXX and Equifax on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXXXXXX XXXX XXXX XXXX XXXX XXXX clearly suggest conflicting information of 1. Last activity, 2. Balance, 3. Date opened and 4. Last payment date which is inaccurate. Therefore, this item must be deleted as per section 168 FCRA. Discrepancies among credit bureaus are listed below. 
Name XXXX XXXX Equifax Last activity XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Credit reports of the XXXX bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Consumer complaint received 2024-09-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (NC)

This is the email that I am receiving from XXXX XXXX from truaccord. I have contacted XXXX XXXX, and they say my account is paid in full, as is my mothers ( XXXX ) I am her account manager. 

TrueAccord logo You can submit a payment amount that works for you. 
Hi XXXX, At TrueAccord, we believe that providing flexible payment options and tools on our website is beneficial to everyone. No one knows your financial situation better than you, so weve made it easy to pay what you can online. 

Simply enter a payment amount on our website and then submit your partial payment for this {$19.00} XXXX XXXX balance. Well send you a confirmation email for your records. 

PAY WHAT I CAN This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Nothing in this email changes your rights as described in our initial communication. 
Please read below for important disclosures. 
Your TrueAccord account number is : XXXX Unsubscribe Privacy Policy Dispute this debt Need help? Call us at ( XXXX ) XXXX ( TTY XXXX ) between Monday - Friday, XXXX XXXX  - XXXX XXXX  ET Copyright XXXX  TrueAccord Corp . 
XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXXXXXX XXXX XXXX XXXX  We collect personal information to provide our services. We do not sell personal information. Most of the information we have is provided to us by the current creditor and/or collected directly through the use of our services, emails, web applications, and phone calls. For more details on how we use, share, and delete personal information see our Privacy Policy. 

TrueAccord Corp is licensed to operate under permit number XXXX
Consumer complaint received 2024-01-12
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Wolf River Development Company (NJ)

I am a 100 % XXXX XXXX XXXX XXXX that was trying to get funding to help start up my XXXX XXXX XXXX XXXX XXXX  unable to get funding no where on XX/XX/2023 I went online looking for a business that could help me fund my startup small business. What I found was a link to loan help to XXXX Supposedly XXXX XXXX XXXX that also gave no credit check ( I should've known predatory then ). I filled out form. I was called and was told that I qualified for only a {$1300.00} but I had to sign the loan agreement they were fast talking and in a rush for me to sign a link sent to me for the loan. I figured I could pay it back in no time. I told the loan officer that I only get paid once a month and that that's when payments had to come out, I found out after I got the long contract later that day about a whole bunch of fees and 400 % interest rate this all was significantly left out of our phone loan acceptance I also realized then that they were not affiliated with XXXX. The next time I spoke with the lady I asked her about the tremendous interest rate and how was i supposed to pay the loan off. She said " well if you could pay one half now then pay the other half next payday you wont have to worry about the fees. I figured since I was slick talked into the loan I would pay it off when I get my small business off the ground. Please see attachment of how much the loan is now. When I agreed over phone they sent contract later. I'm sick to my stomach I've been had.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

why is this account being reported with 2 different dates of last activity? which reflects on my credit report as of XX/XX/XXXX 

per Section 604 contains a list of the permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C.

15 usc 1666 b A creditor may not treat on open end consumer credit plan as late for any purpose. 

XXXX XXXX sold the debt to a third party which violates FCRA 15 usc 60802 ( b ) Identity theft A financial institution may not disclose non public personal information to a non affiliated third party.

15 usc 1692 ( f ) # 6 unfair practices talking or threating to take any non judicial action to affect or disablement of property. 

XXXX sold the debt and says it is closed yet are still reporting it as late on my credit, aswell as hurting my EX husbands credit XXXX XXXX, and sending harrassing letters after i requted them to stop.
Consumer complaint received 2023-05-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation (FL)

This debt collector XXXX and XXXX is in direct violation of my privacy right by contacting my employer XXXX XXXX  which in turn shared my information with XXXX XXXX XXXX company to garnish my wages for XXXX - percent per pay period until debt is paid in full. I did not authorize my personal info to be shared by anyone which is a violation on XXXX XXXX The balance is intentionally being reported with incorrect info from XXXX and XXXXXXXX  as of this email my balance is XXXX they are reporting my balance at XXXX which is inaccurate. per these violations i am asking for garnishment to be dissolved and all money be returned asap
Consumer complaint received 2024-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 did not authorize any above mentioned.
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (VA)

Truist Bank has beenaproving credit cards for my for my accounts with them and then after a couple months or even a week they close out the cart, and I think this is due to the complaints with the consumer financial protection bureau about my modification for my mortgage that they are penalizing me from having additional accounts like Loan and accounts and credit cards accounts and I think this is a discrimination issue and I have put a formal complaint in with truist, but I want to put another complaint in with the CFPB Because other people other customers need to be aware of what this bank does to minority and people that have money in the bank. I have almost {$300000.00} in the bank and these people are treating me like XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card and I also believe that the co-applicant with me on my account is being treated the same way he just opened up a credit card account with them for {$4500.00} with truist bank and they closed it right back up and then they closed up secure cards as well so that means that youre trying to disassociate your relationship with me as a customer.
Consumer complaint received 2023-01-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (AZ)

This statement is to dispute the collection balance of {$1500.00} from IQ Data International/XXXX XXXX XXXX AZ reported to the credit bureaus, XXXX and XXXX, XXXX XX/XX/XXXX. Myself, XXXX XXXX, XXXX XXXX, and XXXX XXXX signed a lease to move into an apartment with XXXX XXXX XXXX AZ on XX/XX/XXXX and were due to take possession of XXXX XXXX XXXX XXXX # XXXX XXXX, AZ XXXX on Friday, XX/XX/XXXX. The apartment was under construction and we received notice that occupancy was delayed and that the apartment should be ready for move-in on the evening of Saturday, XX/XX/XXXX ( after office hours ). When my friends and I went to start moving in on Sunday, XX/XX/XXXX, the apartment was clearly still not ready for move-in. There were dust and floor-board trimmings everywhere and open exposed wiring. I submitted a written notice of cancellation according to the terms of the contract, and the group acknowledged receiving the notice the following Monday. 

I never lived in this complex and that is why there is no history of monthly rent or listed address for this property on my credit report. In addition, I paid an upfront security deposit of {$1800.00} to the company which was never refunded, per the terms of the lease contract. I am attaching the 3rd page of my signed lease, which states that I may terminate the lease up until the time the apartment is ready for occupancy ( see section 15 ). I am also attaching my written notice of cancellation with photos of the apartment from XX/XX/XXXX. Lastly, I am attaching a signed and dated letter from my friend showing I occupied his home rent-free from XX/XX/XXXX until XX/XX/XXXX, when I initiated a new lease with XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX and an insurance document billed to the XXXX XXXX address during the time frame XXXX XXXX XXXX claimed I was living in their apartment. 

I am shocked to see this collection come up on my credit report a year and a half after this event, and I am not exactly sure what it is for. I have no history of late payments on any of my credit accounts because I am highly accountable and take my credit obligations extremely seriously. I never received a billing notice from the property management company. I wrote the debt collection agency and called them multiple times to request an explanation and can not get a response. The process of trying to move-in and then cancelling with XXXX XXXX XXXX  AZ was extremely stressful and now they've damaged my credit score and I feel helpless. I wish I had researched this group sooner because I found a lot of negative remarks about them online after my bad experience, and it looks like they have already been sued more than once. I am also attaching a letter sent to the debt collector requesting an explanation for this charge, which they did not respond to.
Consumer complaint received 2024-01-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (DC)

In XXXX of XXXX I visited the XXXX XXXX XXXX XXXXXXXX XXXX twice : once to receive XXXX  to a small lXXXX XXXX injury, then again a week or two later for a XXXX XXXX XXXX. I believe the bills must have been sent to the wrong address. I did not have insurance and the bills went to collections, eventually popping up as two collections accounts on my credit report. One was in the neighborhood of {$1200.00}, and the other maybe {$800.00} ( it seems so long ago ). 

In XXXX of XXXX, I negotiated and resolved these two collections accounts, which were removed from my credit report. 

XX/XX/XXXX, I noticed the {$1300.00} collection from Ability Recovery Service on my credit report. I contacted them and asked for something like a medical billing statement or some kind documentation that shows the services I was originally charged for, which they said they could not provide. I contacted the original creditor and they could not find my account.
Consumer complaint received 2024-01-10
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (MI)

Ford Motor Company reported my account to XXXX XXXX XXXX XXXX for debt collection. Before this happened, I attempted to work with Ford Motor Company several times over the past few months on how to resolve this balance while I am on a restricted income, as I explained to the agent, XXXX. XXXX refused to provide any financial assistance or flexibility in repayment options. She denied all offers I gave and said they could only collect the amount in full. 

On XX/XX/23, I received an offer letter from Ford Motor Company, dated XX/XX/23. This letter said I could resolve my debt with them for {$380.00} of the original {$630.00} if I sent payment within 15 days. I responded to their offer, again explaining my financial situation and that the best I could offer to pay off the balance and close the account was {$300.00}. I included a check for {$300.00}, dated XX/XX/23. Ford Motor Company received my letter and check and cashed the check on XX/XX/23. At this time, I assumed my account was in good standing since they accepted my payment. 

After finding out my account was sent to XXXX, I called a Ford representative ( named XXXX ) to ask why I was sent to a credit bureau after submitting payment and she said that my payment was not received within the 15 day time period they offered, which is incorrect, as they received and accepted the payment within that time frame. She said there is nothing further that can be done for my account because it had been transferred to a debt collection agency. I have been attempting to contact XXXX via phone as well as e-mail since being told of the transfer, but XXXX will not respond to any of my inquires. 

I am requesting that this debt be investigated because I made my best efforts to resolve this debt with Ford and by accepting my check, it should not have been forwarded on to a credit bureau. Attached, please find a copy of the attached check as
well as my bank statement showing that the check was indeed cashed by Ford ( other personal information has been removed from this document ). Unfortunately, because I sent the offer letter back with the check, I do not have a copy of the original letter. When I called Ford for a copy of it today, she ( XXXX ) refused to provide it. 

Please let me know if you need any further information from me to investigate this matter. I look forward to hearing back regarding the outcome. 

Kind regards, XXXX XXXX
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY (CA)

On or approximately the year of 2018, I walked into a branch of Wells Fargo on XXXX XXXX in XXXX XXXX XXXX, CA. Tried cashing a XXXX bank check in the amount of {$2900.00} or so and the bank management at that time took my check and did not give it back. It's left me traumatized, forcing me to be homeless. I was threaten by the guy. He also said that he was not going to give me the check back that was in legit and in my name. Was very disappointed ..... Frustrated, everything you name it.
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc. (IN)

Applied for the Caesars Credit Card through Comenity Bank/Bread Financial ) on XX/XX/XXXX/2024. 

Was told my application was under review for the next 10-14 business days but no further information was provided. Called the XXXX credit card phone number on XX/XX/XXXX to find out why my application for credit has not been processed yet and they were unable to locate my application nor would they provide the number of the credit department that approved credit cards. 

My credit score is over XXXX. There is no reason my credit application shouldnt have been processed and I dont understand how a credit card company can be in business without a credit department that can assist people with getting their credit cards issued.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX, DE XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX Dear Debt Collector, I recently received a debt collector notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information. 

1. The name and address of the original creditor and current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Please state your permissible purpose for accessing my credit information. 
I dispute your right to do so. 

I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.