davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-07
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: WELLS FARGO & COMPANY (VA)

I signed up for XXXX XXXX to validate my credit information. At the time in XX/XX/XXXX I found four items that were incorrect on my XXXX credit report. I immediately, did an online dispute for the four incorrect items. 30 days later, I received an email from XXXX XXXX notifying me that three of the four items were removed. The fourth item was not removed as the company stated that the item was indeed correct and mine. I called, XXXX and spoke with an associate who submitted a new dispute for me requesting that the company, Wells Fargo provide me with proof that the item belongs to me. The dispute was done on XX/XX/XXXX on XX/XX/XXXX, I received and email from XXXX stating the dispute was complete and that the item was confirmed by Wells Fargo. <P/>I called Wells Fargo on XX/XX/XXXX and was transferred four time to no avail. On XX/XX/XXXX. I called Wells Fargo again and finally spoke with XXXX in the personal loans department. I explained to XXXX that I was trying to get information on an item listed on my credit report that I know is not mine. I advised that my credit report lists the item as an Automobile loan with a partial account number of XXXX though when I spoke with someone from Wells Fargo in auto loans they could not help me. <P/>XXXX advised me as follows : The loan is actually a secured personal loan and was opened XX/XX/XXXX. He also stated that an automobile was used as collateral. I asked him to advise me of the make and model of the car used as collateral but he could not tell me.I asked for proof that this account belongs to me ; a copy of the signed document in an effort for me to compare signatures, XXXX placed me on hold to confer with his supervisor. XXXX came back to the line and asked for my address as he had to submit a formal request to have the documents mailed to my address. XXXX was not able to could not provide an eta on how long it will take to receive the documents or what the documents will consist of. <P/>Please help me as I am certain that I did not open a secured loan with Wells Fargo in XX/XX/XXXX. Wells Fargo is unable to provide me with any proof that the account belongs to me. <P/>Thanks in advance. XXXX XXXX
Consumer complaint received 2017-06-07
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 (FL)

XXXX   XXXX ,  XXXX  received a statement on a Bank of A merica Visa Card th at showed {$4500.00} new charges that are not mine. Called immediately spoke with fraud they said they would investigate.Canceled the card. Received a letter mailed  XXXX   XXXX ,  XXXX  saying they would investigate and issue temporary credit pending conclusion of investigation.   Never heard anything until I called them today to reveal that they had issued a replacement card, chip embedded, to someone who committed the fraud. It 's a card that I last used in  XXXX  and before that  XXXX  for charges less than {$40.00}. It 's a back up card that I simply continued to hold because it only had an annual fee of {$12.00}. The fraud was committed  over a two day period. On the third day the card was rejected fraudester called in and was told to bring i t into a branch.Which they did not and the problem stopped. There were fraud charges on the card to an electric utility to pay a personal bill, and truck rental which would also have yielded info on who is the culprit. All this and B of A never even called me nor even when they found out someone had my SS #, Address and Birthdate which they used to get the replacement card. I went int o a Branch today demanding action to find out what they knew so I could ascertain the identity theft damage. Found out they will not release any info to me until I fill a police report and they file a supoena, Time frame uncertain to complete. All this time has passed and someone out there has my identity info. B of A has done nothing to stop it or help me with info to protect myself. Asked for a Supervisor today and was told up to 48 hours for a response. I am just looking for the information to  protect my financial rear end- and they will not even help nor acknowledge their complicit behavior!
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BANK OF AMERICA IS REPORTING THE ACCOUNT # XXXX WITH OUTSTANDING BALANCE, WRONGFUL DATE OF EXPIRATION AND REPORTING THIS AS A REVOLVING ACCOUNT WHEN IT IS A MORTGAGE. ACCOUNT IS TOO OLD TO BE ON FILE HAS PASSED A 7 YEAR STATUTE OF LIMITATIONS AND IS IN VIOLATION OF FCRA RULES AND REGULATIONS REMOVE THIS FROM MY REPORT IMMEDIATELY AND ACCORDINGLY I HAVE CONTACTED BANK OF AMERICA SEVERAL TIMES WITH NO LUCK, NOW THEY HAVE CHANGED THE STATUS OF THIS ACCOUNT TO FORECLOSED WITH EXPIRATION DATE OF XX/XX/XXXX WHEN IT WAS REPORTING XX/XX/XXXX AND THEY ARE REPORING SAME ACCOUNT DIFFERENTLY TO THREE CREDIT BUREAUS ... THIS IS A VIOLATION OF FAIR CREDIT REPORTING ACT AND A VIOLATION OF FAIR COLLECTION PRACTICES. I 'M DEMANDING BANK OF AMERICA TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH FCPB AND FTC RULES AND REGULATIONS
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I  XXXX   XXXX   XXXX  request the Consumer Financial Protection Bureau to intercede where   XXXX    XXXX   XXXX  is still carrying my PAID IN FULL account as a CHARGE OFF. I find this practice to be offensive to  American  consumers. We American citizens were never given a bailout like our national banks. When I paid off even the back interest,  XXXX   XXXX   XXXX  had to take the credit item from sub-standard to standard, and that in effect removes the Charge off status. This is a violation of  Rule 5000  FDIC and it does apply to the fair Credit Reporting Act. If national bank can have it both ways pertaining their abusive practices of FDIC regulations against FCRA guidelines, whats the point of individuals working their way back financially from a financial crisis they caused. This account should be upgraded to simply PAID IN FULL!!!
Consumer complaint received 2016-12-28
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credence Resource Management, LLC (VA)

Credence Resource Management showed up on my credit report and I have no Ideal who the creditor is. I currently do not owe anyone other than my less than 2-year history with my current creditor which I am not behind. I believe this is a fictional collector which is affecting my credit score more than XXXX Points. I have been the victim of identity theft 4 years ago and I believe this is a part of it.
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I  XXXX   XXXX   XXXX  request the Consumer Financial Protection Bureau to intercede where Bank of America is still carrying my PAID IN FULL account as a CHARGE OFF. I find this practice to be offensive to American consumers. We American citizens were never given a bailout like our national banks. When I paid off even the back interest, Bank of America had to take the credit item from sub-standard to standard, and that in effect removes the Charge off status. This is a violation of  Rule 5000  FDIC and it does apply to the fair Credit Reporting Act. If national bank can have it both ways pertaining their abusive practices of FDIC regulations against FCRA guidelines, whats the point of individuals working their way back financially from a financial crisis they caused. This account should be upgraded to simply PAID IN FULL!!!
Consumer complaint received 2017-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2016-10-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TX)

I was insured through XXXX XXXX for over 8 years, all of which i enrolled in auto draft payments from my bank account. When i purchased a new vehicle, i was told that were not offering full coverage anymore and i got a policy with XXXX. I requested in writing via email to cancel the policy as i no longer had the vehicle and in fact had new coverage elsewhere as of XXXX XXXX, 2016. I then called and had the automatic payments cancelled as i was not going to pay for the services that i no longer needed. I was told i would get a full refund for the previous month since i had financial responsibility elsewhere. I forwarded a copy of my current insurance and was told over the phone i would receive XXXX back via check ( my monthly premium ) I have since received a collection notice for XXXX and have called the collection agency as well as XXXX XXXX and was told that it would get corrected. That was over 30 days ago, and the collection is now reflecting on my credit report. I am not responsible for XXXX and in fact i am OWED XXXX Please help me to resolve this as i am not having success via email and phone calls to XXXX and want my credit report cleared and my refund. 

Thanks
Consumer complaint received 2017-06-07
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. (GA)

On or around  XXXX   XXXX  I purchased a new  XXXX   XXXX   XXXX  and financed through   XXXX   XXXX   XXXX   XXXX   XXXX     now known as On the  XXXX   XXXX   XXXX . Due to medical issues and multiple  XXXX  I fail behind on my car loan and the vehicle was repoed in  XXXX  of  XXXX . I immediately filed Bankruptcy that same month and was able to retain my vehicle. Since that time    XXXX   XXXX   XXXX   XXXX   XXXX    aka   XXXX   XXXX   XXXX   XXXX     has continued to report to all  XXXX  credit bureaus that my loan is currently  XXXX  days late every single month, have changed my orginal payment from {$420.00} to {$200.00} a month and reports I 'm past due about {$1400.00}. Once my Bankruptcy was filed they were ordered to cease with all collection activity and to not report on an account that 's covered under the Bankruptcy. I have disputed with both   XXXX   and Transuion for the pass  XXXX  months and the each respond that the creditor verified the account is valid and to take it up with the orginal creditor. I have sent request for each bureau to send my proof to validate the said debt and neither company has followed through with providing me with that I information. Furtvermore, I have provided proof of BK documents and filings proving this loan was covered and that they should have not been reporting anything on this account for the past  XXXX  and  XXXX  months to be exact.
Consumer complaint received 2017-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CT)

On X/X/17 I received an email stating that I would need to make a payment on my student loan before or on X/XX/2017. I was not given an prior notice that repayment would start so soon. On X/X/2017 I spoke to a representative at Navient who told me the reason that I had not received any communications regarding repayment was due to my being in grace for XXXX student loans. She then told me that I may apply for forbearance for the month of XXXX. I believe it is inappropriate and most likely illegal to ask someone you have a contract with for payment only 11 business days in advance. I should have had to get forbearance - my repayment due date should have been adjusted.
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX   XXXX   XXXX  showing late payments on  XXXX  of my accounts when in fact we have never been late and have paid extra each month. We have bank statements faxed to them to prove it. We also have monthly statements from  XXXX   XXXX   XXXX  showing no lates during the period in questio n (   XXXX ,  XXXX ,  XXXX  of  XXXX  ). They are using voodoo math and tricks just like  XXXX   XXXX   XXXX  did. ( see FTC vs  XXXX   XXXX   XXXX   ).  They admitted their mistake on the phone. I want the CFPB to investigate  XXXX   XXXX   XXXX  on their business practices on how they report on all their customers to the    XXXX    Credit  reporting agencies. I feel I 'm not the only  XXXX  they have hurt. Their mistake cost me  XXXX  points on my  credit score.    Contract monthly payments are  XXXX . We pay  XXXX /month to help pay the loan off faster. They told me they REMOVED a  XXXX   XXXX  payment since we were paying extra and that caused a " cascading effect ''. You ca n't " remove '' a payment a customer has already paid.
Consumer complaint received 2017-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (NJ)

XXXX   XXXX ,   XXXX   I went to the  XXXX   XXXX   XXXX , located on  XXXX   XXXX ,  XXXX   XXXX , NJ. I went to  XXXX   XXXX   XXXX  to have some dental work done on my teeth. After a valuation they stated that I needed have bridge work done to correct my dental problem. I was given local anesthesia. After completion of the valuation, I was told that the cost would be  XXXX . {$4000.00}, and I was given an application to complete for Care Credit. It was not completely explained to me about the financing with Care Credit and I was a little drowsy from the anesthesia, so I completed and sign the application. I was only given 15 minutes to make a decision. I left  XXXX   XXXX , went home and thought about what I had done. I read the pamphlet which stated that I had 3 days to rescind the application. I called back to  XXXX   XXXX   XXXX  on th e 3rd day and spoke with one of the  ladies in the office name  XXXX , and told her to cancel my care credit account, I would paid with my own resources. She said the bridge was order. A month later I received a bill in the mail. A few months later I return to  XXXX   XXXX   XXXX  to have the partial   XXXX    done. I made a partial payment to the dentistry by credit card which was accepted. At this time I thought they had cancelled the care credit card application. Another month passed and I received another bill requesting payment from Care Credit. I called  XXXX    XXXX    XXXX  to remind them that I had cancelled the care credit card with them previously. Well they told me that they would not complete my dental work unless the amount was paid in full. I did not return to  XXXX   XXXX   XXXX  and the bills continue to come to my house. My complaint is that I cancelled the application within the 3 days and also paid out of pocket money for my partial   XXXX   work. I had no more dental work done and care credit is on my credit report showing that I owe {$2400.00} with an overdue payment of {$650.00}. I made several attempts to resolve this with  XXXX   XXXX , but have been successful. Please investigate this debt to clear of my credit report. My credit is good and this debt has caused by score to drop. I feel as though I have been taken advantage of as a senior citizen. Thank you for helping me with this matter.
Consumer complaint received 2017-06-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: WELLS FARGO & COMPANY (FL)

I can not pay my loans the day they are due due to having other bills due that are more important ( rent, utilities, etc. ). I have explained t his to Wells Fargo for the last two months, and have asked that they stop calling me. They told me they have to call me. The most I got was a seven da y call stop after I told them the earliest time I could pay. On  XXXX / XXXX / 17  I receive d four  calls from them between  XXXX  and  XXXX , and the next day is when I asked them to stop calling me.On  XXXX / XXXX /   17  I rec ieved five calls from them. I can not do anything about not being able to make my payments when they are due, and while I have not pursued the option of changing my due date ( in part because when I call it has never been offered ), I have tried debt consolidation with them and they will not consolidate it.I get the calls on my mobile phone and most of the calls come in while I am at work, when I can not take calls, which I  have explained to them as well.
Consumer complaint received 2016-11-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent in a couple dispute letters for some collections that are not mine. I have never been to these place the hospitals on the collection companies books. Nothing has been done and when I call the collection companies they threaten to sue me! why ... I never had treatment and if I did my insurance would have covered it and a co-pay I also have money for that. I 'm hoping the credit bureau will do their best to help me bc i 've already tried disputing and nothing has happened. I uploaded the documents requested thx
Consumer complaint received 2017-06-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I bought the car in XX/XX/XXXX, at that time I was employed as a XXXX making $ XXXX/yr. I lost that job inXX/XX/XXXX and was out of work for about 6 months. I asked Nissan several times to possibly lower my payment to accommodate my reduced income. They refused. They suggested a refinance, even while seeing how I 'd started to call behind in my payments. The next job I took on ( out of desperation ) started with a base pay of $ XXXX/year. Still, no help from Nissan. They deferred ONE payment a few times, even though agents have made comments on various calls as if a TWO payment deferment could have ever been an option. <P/>I called NMAC onXX/XX/XXXX, spoke to XXXX. She confirmed the car was out for repo and the # of days/payments owed. She confirmed that I needed a minimum of {$580.00} for XX/XX/XXXX payment to put a hold of the repo. I asked her a few times if this one payment would hold the repo action, and she confirmed. She suggested to call back with a payment confirmation # before XXXX, so that they can guarantee contact with the repo vendor. After XXXX, they could no longer guarantee. I made arrangements to get the {$580.00} and paid it. I called back and spoke with XXXX ( or XXXX? ). She confirmed the same info, took my confirmation #, and left me on hold for apprx 6-7 minutes while she " documented this '' to the account. XXXX ( or XXXX ) confirmed that she 'd noted my account and put the hold through on the repo. We confirmed my next payment arrangement forXX/XX/XXXX payday forXX/XX/XXXX payment. <P/>The morning ofXX/XX/XXXX, I was late for work because I did n't realize that Nissan came and got the car anyway. I called NMACXX/XX/XXXX apprx XXXX, and spoke with a supervisor in collections named XXXX . He said I needed to speak to Reinstatements, who would n't be in for another hour. XXXX confirmed that XXXX was correct in everything that she told me, however XXXX made it seem that neither collector should have provided assurance that the payment arrangement would suffice. I still have no clue as to where my vehicle is, why they did n't honor the hold, etc. <P/>My complaint is that NMAC is ok with collectors using deceptive practices, answering direct questions from me as a consumer, with deliberate inaccurate information. They lied to get me to make a payment, knowing that they would still allow the vendor to repossess the car anyway.
Consumer complaint received 2017-06-07
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. (VA)

I signed up for XXXX XXXX to validate my credit information. At the time in XX/XX/XXXX, I found four items that were incorrect on my Transunion credit report. I immediately, did an online dispute for the four incorrect items. 30 days later, I received an email from XXXX XXXX notifying me that three of the four items were removed. The fourth item was not removed as the company stated that the item was indeed correct and mine. I called, Transunion and spoke with an associate who submitted a new dispute for me requesting that the company, XXXX XXXX provide me with proof that the item belongs to me. The dispute was done on XX/XX/XXXX on XX/XX/XXXX, I received and email from Transunion stating the dispute was complete and that the item was confirmed by XXXX XXXX. <P/>I called XXXX XXXX onXX/XX/XXXX and was transferred four time to no avail. OnXX/XX/XXXX.XX/XX/XXXXI called XXXX XXXX again and finally spoke with XXXX in the personal loans department. I explained to XXXX that I was trying to get information on an item listed on my credit report that I know is not mine. I advised that my credit report lists the item as an Automobile loan with a partial account number of XXXX though when I spoke with someone from XXXX XXXX in auto loans they could not help me. <P/>XXXX advised me as follows : The loan is actually a secured personal loan and was opened XX/XX/XXXX. He also stated that an automobile was used as collateral. I asked him to advise me of the make and model of the car used as collateral but he could not tell me.I asked for proof that this account belongs to me ; a copy of the signed document in an effort for me to compare signatures, XXXX placed me on hold to confer with his supervisor. XXXX came back to the line and asked for my address as he had to submit a formal request to have the documents mailed to my address. XXXX was not able to could not provide an eta on how long it will take to receive the documents or what the documents will consist of. <P/>Please help me as I am certain that I did not open a secured loan with XXXX XXXX in XXXX. XXXX XXXX is unable to provide me with any proof that the account belongs to me. <P/>Thanks in advance. XXXX XXXX