davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (MD)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-12-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Coastal Credit, LLC (GA)

Due to my vehicle being totaled out, I paid the balance off for {$2900.00} on XX/XX/2019. I've reached out several times where each time a different story in reference to obtaining my title. I contacted Coastall Credit again on XX/XX/2019 to speak to someone in the title department and the representative stated XXXX was the only individual in the title department and she wasn't available at the moment. I received a call back by XXXX and was told I have to wait 60 days from payoff to see if the funds clear. I confirmed the bank has already deducted the funds from my account as to the information she started was incorrect. She then said that I could possibly retrieve the funds back however, after I called the bank, I was told that the merchant has received their funds already. XXXX then said that they have the title in hand, I asked for it to be released electronically, she refused. She stated that they're holding the title for 60 days from payoff and it will be mailed on XXXX XXXX, 2019 without just cause.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OK)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 2020-08-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Voss & Klein, LLC (FL)

Voss and Klein, on behalf of XXXX XXXX XXXX XXXX, is reporting an astronomical amount of debt on my credit report that they are constantly increasing by almost {$100.00} every couple weeks without sending me anything at all in regards to this debt. A man named XXXX reached out to me in 2018 and at that time the amount he wanted me to pay was already more than double what I owed to the hospital. I questioned the amount, asked for explanations from their company, and asked for confirmation of the specific amount the hospital was saying I owed as I was willing to work out something to pay what I actually owed, and he was incredibly rude and aggressive. He was unwilling to work with me would not accept a payment for the amount owed, and made threats about ruining my credit. I did not speak with him or anyone in the company again because I felt very uncomfortable talking to them. Since then, I've received nothing from the company in regards to this debt and they just continue to increase the amount. My last statement from the hospital was that I had owed them {$1700.00} and the collection agency is reporting that I owe almost {$10000.00}
Consumer complaint received 2018-01-30
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. (OH)

This is dated from XX/XX/2016 and XX/XX/2016 I had two 30 day late payments, taken out from a account that was under a debit card breach, and I informed them of that.
Consumer complaint received 2018-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recover, LLC (GA)

In XX/XX/XXXX, I was required to leave for military training. However, on XX/XX/XXXX, while still in XXXX XXXX XXXX status, a collection was reported on my account by Rent Recover of XXXX. It is my understanding that under the Service Members Relief Act ( SCRA ) all debts occurred while on XXXX XXXX that were open prior to me leaving are forgiven. Furthermore, this debt was removed before and has been recently re-added to my report. I am requesting an immediate deletion of this negative remark.
Consumer complaint received 2018-01-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (OH)

I was contacted by XXXX about a credit card opened in my name that I never applied for. 

I informed them I was a victim of ID theft and made every efforts to resolve them. they informed me it was a business account that was opened under my social security number. 

I do not own any business of such sort and not aware of this but all efforts to have them investigate and remove this from my name has proved futile. 

I even enrolled in a credit repairing company ( XXXX XXXX XXXX ) to help me resolve this and despite their numerous letters and request for XXXX to investigate and resolve the issue still proved futile. 

I had personal accounts with XXXX before this incident and they revoked all my other credit cards I have with them. I ensured I paid all my legitimate credit cards in full with them after they revoked all their cards. I need them to investigate what actually happened and remove this from me because it is affecting me tremendously and impacting my possibility of getting any credit.
Consumer complaint received 2018-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I paid Capital One credit card services on XX/XX/2018. I have 2 credit cards with the company. I paid the payment through the on-line payment method. The payments went through but then my bank returned the payments which were {$100.00} to the card ending in XXXX and {$180.00} with the card ending in XXXX. I called my bank to verify my funds and they said it was an error on their part. I then called Capital One on XX/XX/2018 and made a phone payment with the representative. I had verified that I had enough in my account before I made this call. The representative took both payments over the phone. I then found out that he switched the payments and placed them on the wrong cards. Then, Capital One took out an additional {$100.00} when I did not authorize the payment once I called and had the phone payments already taken out. 

This made my bank account go haywire! Now it looks as if I had not made the payments. The funds were available and that is why I made sure that when I called that they were applied to my credit cards. When I called to see what was the problem the representative said she had to verify my account. I told her that I did not need to verify my account because it is the account that I have been using and it is a viable account. My card that ends in XXXX is now over the limit {$380.00} which is absolutely absurd!!! It is not my fault that Capital One took out too many payments that were not authorized! I am tired of going back and forth with Capital One. I am sure other customers have the constant problems that I have. I think that I will begin some sort of boycott with Capital One and their wayward practices!!!! Also in the near future, the representatives and supervisors need more training on how to approach someone that is upset about their account!!
Consumer complaint received 2020-08-13
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. (IL)

I filed a dispute on XXXX XX/XX/2020. This dispute was against XXXX. I had filed the same dispute with XXXX and after they investigated they agreed to remove the negative remark from my report. XXXX and Equifax have been difficult to work with and both companies have been hard to get a hold of. This account with XXXX has been paid off. I have the title of the vehicle in my possession. This account is also included in the current settlement XXXX is facing. I am a father to XXXX children looking to buy our first home. These negative remarks that are not relevant or applicable are severely affecting my ability to do so.
Consumer complaint received 2018-01-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (MO)

I have had an auto loan with Chase Auto Finance since XX/XX/XXXX and have never had a late payment until XX/XX/XXXX. 
I was XXXX overseas for most of XX/XX/XXXX and didn't always have access to the internet or phone service. 
In XX/XX/XXXX, someone got into my main bank ( XXXX XXXX ) account and illegally transferred a large sum of money to another account. XXXX XXXX closed all of my accounts and gave me new ones overnight. 
I had auto-pay set up with Chase. When I had a chance, I updated Chase payment details to charge my new XXXX XXXX account. I must not have set it up correctly, which is my fault, but it ended up in a missed payment for XX/XX/XXXX. 
When I realized my mistake, I sent the current and missed payment which were received on XX/XX/XXXX. 
I found out the one-month missed payment had went to the credit bureau and turned my FICO credit score from XXXX to XXXX. I didn't know there was anything I could do. 
I recently learned I could try reaching out to Chase to have them remove the late payment. 
On XX/XX/XXXX, I called Chase and reached their credit department. I spoke with a female name " XXXX ''. I explained that I was XXXX last year and didn't always have internet/phone access and that I would like to know the process for getting a late payment removed from my credit report. She responded that she will not remit late payments. I asked if the credit bureau or any other third parties would be able to help and she did not know, but restated that she won't remit a late payment. I asked if there's anyone in management I could speak with to see what my options are and she said she will not transfer me to a manager and nobody in her department will remove late payments. 
In short, it was my fault for messing up the auto-pay after getting my new XXXX XXXX account. However, I was never unable or unwilling to send my loan payments to Chase, and given the circumstance I was in last year, I believe it is unreasonable to not work with me on this issue.
Consumer complaint received 2018-01-30
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: Experian Information Solutions Inc. (TX)

XXXX breach has cause my experian and XXXX to be inaccurate information sent police report and idtheft gov trying to get my life back in order one day at a time spent countless hours working on my credit cra violation of inaccurate information on my credit report
Consumer complaint received 2020-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OR)

PayPal - negative {$3500.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$3500.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$3500.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 
XXXX XXXX
Consumer complaint received 2020-06-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (IL)

On XX/XX/XXXX, I made a transfer from my XXXX XXXX XXXX account into my XXXX XXXX Account. This transfer amount was for {$25000.00}. The transfer was processed and credited into my XXXX account on XX/XX/XXXX. Later once the transfer cleared, I requested XXXX XXXX XXXX to close my account, which had approx less than {$1.00} remaining. The next few weeks, everything was normal and I has no issues. I had about 60 % of my cash savings held at XXXX. 

On XX/XX/XXXX, XXXX XXXX decided to temporarily lock my account and requested I call them to get this unlocked. I decided to call XXXX on XX/XX/XXXX, which was the only day I had time to get this resolved and had to wait over 20 minutes to reach someone. After, reaching someone, the customer representative explained to me that they locked my account because they were unable to verify that the funds that were deposited on XX/XX/XXXX came from an account under my name. I can confirm that the money from this account did get sent from an account belonging to me and is in my name ( see attached screenshot for proof ). After about 40 minutes, I was told that the only way this lock can be removed was by getting this money reversed back into my old account. This is the same account I closed. Even after explaining this, they stated, unless the money was reversed, there would be no way they could unlock the account. As such, I requested to speak to a supervisor and was told someone would contact me the following business day. On XX/XX/XXXX, I received no phone call. I called back a spoke to another customer representative and decided that as they held my funds hostage, I had no choice but to get the money transferred back to my closed account. I spent another 20 minutes speaking with XXXX XXXX XXXX about how they would get the money back to me, however that conversation yielded no answer apart from, we can tell you once the money hits our account. So on XX/XX/XXXX I called XXXX and spent another 15 minutes on hold and reluctantly provided authorization for them to reverse the funds to the closed account. 

So far, I'm very unhappy about this. Had there been an issue with the naming on my account, this should have been caught way before XX/XX/XXXX and if they did have this issue I could have provided proof that the account was in my name. In addition, if they were not happy with the proof, at least the account would be open and that would ensure that I can easily have access funds once the reversal was processed.
Consumer complaint received 2018-01-30
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. (TX)

XXXX breach has cause my XXXX and transunion to be inaccurate information sent police report and idtheft gov trying to get my life back in order one day at a time spent countless hours working on my credit cra violation of inaccurate information on my credit report
Consumer complaint received 2018-01-30
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

on XX/XX/XXXX I got an offer in the mail by my crated card company. A blank cheek and no interest for 18 months on XX/XX/XXXX I cashed {$3000.00} thin in XX/XX/XXXX I cashed out a another {$2500.00} Now I cant pay and I fill I was taken advantage of for.
Consumer complaint received 2021-07-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NC)

We applied for a loan modification and were given the highest interest rate, 5.5 %. We have been current but it is extremely difficult to make the monthly payment of {$1600.00}. 
We have contacted them to lower the interest rate to make it easier to pay but they want us to reapply.
Consumer complaint received 2020-10-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

I was charged 2 overdraft fees ( XXXX XXXX XXXX for transactions ( {$8.00} and {$8.00} ) dated XXXX. My ending daily balance for XXXX was {$7.00}. Wells Fargo is charging these 2 overdraft fees based on pending charges that are dated for XXXX. The charges that are labeled as pending transactions and have not cleared my account and I can always make a deposit that would have covered these 2 charges that are currently pending. Or those charges could fall off. They have not cleared my account. I don't feel I should be charged overdraft fees based on charges that haven't cleared my account.
Consumer complaint received 2020-10-28
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. (FL)

THE INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY NAME AND SOCIAL SECURITY NUMBER AND PHOTO ID TO APPLY FOR FRAUDULENT ACCOUNTS USING MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-06-20
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: Credit Control, LLC (NC)

I was contacted by phone from Credit Control LLC by represented XXXX on XX/XX/2022 he informed me that the company was willing to give me a settlement deal for the credit card I had for XXXX I informed him I did not have the money but I was expecting something but I do not want my card debited until I called to confirm the money was in my account I was informed by XXXX XXXX they will not debit my account unless I called to confirm and it was a recorded line on XX/XX/2022 the money was taken out my account without my permission I called them and they will not refund the money back to my account I spoke to a manager XXXX
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

These inquiries I didn't authorize. Please remove. 

Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing Consumer XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX  XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Auto Fi Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX   XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX   XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions