davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TCF NATIONAL BANK (CO)

I have a car loan through : Gateway One Lending & FinanceXXXX XXXX XXXX TX, XXXXI believe this company has obtained information about my relatives to use to contact me illegally. I am requesting an attempt be made to find out how they were able to contact relatives to get in touch with me, when I never gave them information. This is a classic case of what the CFPB has tried to put a stop to from past episodes of badgering by lenders. This company has contacted my Grandfather who is a retired XXXX XXXX and his information is protected from the public. This is completely unacceptable for a Lender to badger relatives. I did not give their information to this company. I was out of the country while this was going on.This company said they did not have to divulge their protocol for finding out information about Borrowers. I asked to speak with a supervisor, but am not confident that I actually spoke with one.
Consumer complaint received 2016-11-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Solomon and Solomon, P.C. (CT)

XXXX has almost {$1700.00} on my account but has no idea what address ( es ) it came from nor can they give me a time period due to them " switching over '' to a new system. This issue has been going on for 5+ years and no one from the company has attempted to help me with the issue and it is messing up my credit because Solomon and Solomon ( collection agency ) is constantly reporting me to the credit bureaus. I 've only had an account with them for 3 months and those 3 months was paid off 3 years ago.
Consumer complaint received 2016-11-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (AZ)

Submitted evidence of letters to and from creditor, XXXX XXXX XXXX XXXX, to Equifax and XXXX. After initially disputing a negative account on my credit reports with Equifax and XXXX, and being told by each that the account was verified or updated without any evidence or proof of this alleged verification, I was then requested by each bureau to dispute the negative account directly with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX has been reporting for over 6 years now an account that shows a zero balance owed but indicates XXXX alleged late payments.I then sent a certified letter to XXXX XXXX XXXX XXXX on XXXX/XXXX/16 requesting verification per Section XXXX, and that it will be a violation of the Fair Debt Collection Practices Act ( FDCPA ) to not provide me proof of such a negative account. For the purposes of 15 USC 1692 et seq., I disputed the validity of the alleged debt and a dispute to the validity of its claims. ( see attached ) I received XXXX separate letters from XXXX XXXX XXXX XXXX in response to my XXXX letter -- XXXX dated XXXX XXXX, 2016 ; and XXXX dated XXXX XXXX, 2016 ( see atatched ) -- each requesting that I provide the burden of proof for the negative account reported to each credit bureau. I replied with a second letter on XXXX XXXX, 2016 ( see attached ). Again, I reminded XXXX that per XXXX XXXX XXXX et seq. it was required by law to provide me signature proof verification and documentation of this reported account. I received a response dated XXXX XXXX, 2016, which was the same form letter sent to me on XXXX XXXX, 2016, with just the date of the letter changed ( attached ). I then sent all of these letters and correspondences to each credit bureau on XXXX XXXX, 2016, requesting each delete the negative account because XXXX XXXX XXXX XXXX failed under the law to provide any burden of proof for reporting this account. I received a response from XXXX dated XXXX XXXX, 2016 ( attached ), stating it " updated '' the account -- even after providing all of the evidence to show that XXXX XXXX XXXX XXXX violated the law and that XXXX was as well by not providing me any verification of proof and must delete the negative account. The same series of responses and correspondences and results came from Equifax ( attached ). I have not heard back yet from XXXX after 30 days. All three legally must delete the negative account or face a small claims action for {$3500.00} each in a court of my jurisdiction -- plain and simple.
Consumer complaint received 2015-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

negative information on my credit report does not belong to me and has negatively affected my credit score. Also, XXXX XXXX XXXX, account # XXXX, has falsely named me as owning a debt. I have contacted both Equifax and XXXX XXXX XXXX multiple times and neither can confirm the false information.
Consumer complaint received 2023-05-09
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: GOLDMAN SACHS BANK USA (AL)

On XX/XX/2022, I became aware of a fraudulent transaction that happened on my account on XX/XX/2022 ( the day before ), in the amount of {$450.00} by a company called XXXX XXXX, XXXX ( hereafter XXXX XXXX ). After learning of this, I immediately filed a dispute for the transaction. I contacted XXXX XXXX to see why there was a charge to my account, and he explained to me the situation that had been happening to him recently, as his attached letter details. His merchant account was hacked and his information changed so that he could not log in or access his account any longer. I contacted Goldman Sach's/Apple Card Support to file the dispute and see what I needed to do, and I walked through all the steps involved ( i.e. changing my password, removing and re-adding the card to my phone, etc. ). But several days later, more charges. After contacting them again, and again following their advice, the next day another charge happened. This time, after contacting them, they turned Apple Pay off, and that finally stopped the fraud. Below are the fraudulent charge dates, merchant name, and amounts. The first three have been resolved in my favor, but the last three, Apple/Goldman Sach 's is claiming that I made these charges. As the two attached letters document, I did not. XX/XX/2022 : XXXX XXXX ; {$450.00} ( RESOLVED ) XX/XX/2022 : XXXX XXXX ; {$450.00} ( RESOLVED ) XX/XX/2022 : XXXX ; {$300.00} ( RESOLVED ) XX/XX/2022 : XXXX XXXX ; {$4000.00}, case # : XXXX XX/XX/2022 : XXXX ; {$2000.00}, case # : XXXX XX/XX/2022 : Olutions ; {$5000.00}, case # : XXXX I filed this case once already but it was marked closed and I got a letter saying they suspected my filing was fraudulent? I don't know why. This is still unresolved.
Consumer complaint received 2015-06-24
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (TX)

Chase bank closed my savings account,and sent my money to the state of Texas,without my authorization,or even telling me. When I got my monthly statement it was just gone. This is my life savings.They are telling me I have to file a claim with Texas and it may take 3 To 4 months and cost over 500.00 dollars in processing fee. I feel like I am being scammed. Chase has made a huge error and expects me to correct. very unfair and I will never trust them with my money ever again. Big banks don't care who they hurt.
Consumer complaint received 2016-11-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (GA)

I did not give permission to pull my credit report from Equifax from the companies below. I reached out to creditors via mail and left messages. NO RESPONSE. 
Please REMOVE ASAP XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Credit Information Dept XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2016-05-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I AM THE VICTIM OF IDENITY THEFT AND I HAVE DISPUTED FRAUDULENT ACCOUNTS ON MY EQUIFAX REPORT. THIS BUREAU CONTINUES TO REPORT FRAUDULENT AND INACCURATE INFORMATION ON MY CREDIT REPORT WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FCRA.
Consumer complaint received 2016-04-17
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I got credit card on XXXX XXXX XXXX and been told by their rep that I can use this card anywhere in a world for purchases without any fee. How surprised I was when I so on my statement Foreign Transaction fee for purchase I made from my home in NJ in US dollars. When I called to credit card services and tried to resolve this situation and remove this fee, cause I was mislead by XXXX rep, I was told I have to speak with them. Which I did. I even asked to speak with supervisor. But it did n't solve the issue. Credit card point on XXXX and I feel like this hidden fee is reap off.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "
Consumer complaint received 2016-04-07
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (IN)

On yesterday, XXXX/XXXX/16, I spoke with a representative at Ally Auto in regards to getting a three month extension on both of my auto loan accounts due to me recently getting laid-off on XXXX/XXXX/16. She stated that I would have to pay 60 % of my monthly payment in order to get the extension. I explained to her that I recently laid-off and that I just applied for unemployment and that will not kick in until the next few weeks, which is not even half of the income that I was getting before. She stated that there was nothing else she could do. Three months would give me enough time enough time to find another job and catch up. These accounts are SCRA accounts and do n't understand how the representative could n't do anything else.
Consumer complaint received 2017-03-13
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I had filed an FCRA lawsuit with attorney XXXX and received {$1000.00} as apart of the settlement. I just received an IRS Form XXXX with the amount of {$2500.00} as income. This is false, I did not receive that amount. I only received {$1000.00}. Now that I am filing my taxes, It looks like I received {$2500.00} when in fact, {$1500.00} were attorney fees, paid directly to XXXX.
Consumer complaint received 2016-09-17
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (MN)

I was involved on an online dating site scam, which I deposited {$33000.00}. into XXXX accts thru Wells Fargo.The accts were XXXX XXXX XXXX XXXX. Acct. # XXXX Routing # XXXX -XXXX and XXXX XXXX XXXX, Acct. # XXXX Routing # XXXX XXXX. 
XXXX XXXX XXXX ( was the person, fictious person ) Through the police dept ( which is still working on the case ) told me that those XXXX accts were involved with money laundering, exporting cars to XXXX. These types of people need to be arrested and Charged and to pay monies back. I can almost guarantee that I am not the only person this has happened by these people. It is very sad that rings of this nature get by, with stealing monies from innocent people, as myself, who has worked all my life, to get where I am at, and to get scammed by dirt bag people. 
On XX/XX/XXXX16, I went to WF and told them, that I got scammed, and they told me they were able to locate accts and monies were in accts put a HOLD on that MONEY. I was dealing with XXXX XXXX, ( branch manager ) at WF at XXXX XXXX XXXX, XXXX, XXXX XXXX. She told me at that point that they were going to get ALL my MONIES back. 
After dealing with her for a couple of wks and sending police report to corp. it didnt look good, but they were trying to get SOME money back. Why Why, would a branch manager tell me, they were going to get the money, when they had no intentions of doing so. Through many oganizations that I have contacted, I have asked, for information, of what protocol they followed and step by step of what they did to get my monies back, never received anything, except, I should follow up with authories. On XX/XX/XXXX16, XXXX administrative assistant called me to inform me that XXXX was to call next day to give me more info, never heard from her. I called XXXX twice to say I was very dissappointed because I never received a call, nor did I hear back from XXXX .... Makes you really wondering, what kind of operation they are running. 
Which now leads me to believe that I through WF became a viticm of their scams, that they used on their customers, of stealing personal info, and making false credit cards and stealing millions of $ $ XXXX They have not proved anything to me. 
Which now after hearing about the crimes they have committed, stealing from their customers and making fake credit cards, I have reason to believe that they took my MONIES, that they soooo promised me, and used it for this purpose. They should be shut down as a company, but all they could do, was to say sorry, and pay a fine. REALLY????? 
I feel I became a viticm of WF fraudulant actions and improper practices. It was easy foe them to do ... ..
Consumer complaint received 2015-11-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX is reporting inaccurate information on my credit report I disputed information with the credit reporting bureau, advised that information reporting is wrong the balances does n't match the close dates etc. This account is reporting several different inaccuracies and should be removed from my credit report or updated correctly the credit bureau stated that they have conducted and investigation and information was updated however my credit report shows no change in this frivolous account.
Consumer complaint received 2016-09-16
Product: Debt collection — Federal student loan
Issue: False statements or representation — Impersonated an attorney or official
Company: AES/PHEAA (MD)

I register for school in XXXX. At that time there were XXXX student loans taken. However, on the credit report, they put since XXXX, instead of putting correct information such for this loan. Yes, I did not register for the XXXX, XXXX, XXXX, school years, but that is because I received employment and was going to get a grant from employer to attend school. Then they never notified me of the default, because as I look at the address which they claim the default happened, and this was not where the loans originated.
Consumer complaint received 2015-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

When going through the verification process it was asking me questions about a mortgage loan which I have never had. Also, while on unemployment I was notified that the State of Oregon 's XXXX database was hacked and I never received identity theft protection. I know that there is erroneous information on my reports and I can not access it.
Consumer complaint received 2015-11-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My mortgage loan was transferred from XXXX XXXX XXXX to Nationstar Mortgage. I did not receive notification of this transfer until after I made a {$980.00} mortgage payment to XXXX for my XXXX 2015 payment. When I set up my new Nationstar Mortgage account, I noticed that my payment to XXXX had not been applied to my Nationstar Mortgage account and my account was showing as not paid. I paid Nationstar Mortgage another {$980.00} so that my account would be paid with Nationstar within the 15 day grace period and would not be hit with late fees or result in a negative credit report from Nationstar. The transfer letter that I received from Nationstar stated that XXXX would forward the payment to Nationstar ( XXXX # XXXX / my Nationstar mortgage # XXXX ). XXXX XXXX XXXX XXXX # : XXXX / my XXXX mortgage # XXXX ) has not forwarded that payment. 
I have been defrauded by both Nationstar and XXXX in what appear to be a scheme putting me in a situation where I am forced to pay XXXX mortgage payments for 1 month. 
As I see it, XXXX has defrauded me out of {$980.00} by accepting my payment, knowing that my loan had been transferred to Nationstar, and then failing to forward that payment to Nationstar which resulted in my having to pay Nationstar an additional {$980.00}.
Consumer complaint received 2016-05-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The XXXX XXXX XXXX account, is incomplete and then not reporting correctly. 

1 This account, was closed XX/XX/2015. 
2. Its Pay Status should be " Closed '' and not Current 3. The Payment received field says XXXX, when this is inaccurate 4. The Pay History is incomplete - please Validate this account, and update the pay history for this account XXXX. The Balance History is incomplete - please Validate this account, and update the pay history for this account
Consumer complaint received 2015-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a XXXX percent XXXX military Veteran who applied for the student loan forgivenessXXXX program. I got a letter in XXXX 2011 from the XXXX, stating that my request to receive the forgiveness/XXXX was approved. I later receive a letter from XXXX that the request was approved. I was refunded of the amount I paid on the student loan on XXXX XXXX, 2011. 
Months later I looked at my credit report and see that the loan was reported as being late 120 day by TRAN UNION. Based on my understanding, under the XXXX XXXX, a veteran who seeks federal student loan forgiveness if they receive a XXXX XXXX rating by the XXXX should not be penalized with bad credit. Since I received a discharge based on VA documentation of my XXXX, my credit report should show that I no longer owe the loan, not that it was " assigned to government '' for monitoring.
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

COLLECTIONS AND XXXX INQUIRY WAS DELETED FROM MY TRANSUNION CREDIT REPORT SO I CALLED THEM TO SEE WHAT 'S GOING ON BECAUSE IT WAS DELETED AND THEN 3 DAYS LATER IT WAS REINSERTED I TALKED TO XXXX IN CUSTOMER CARE AT TRANSUNION AND HE REPLIED THAT THERE IS NO ISSUES WITH TRANSUNION AND THAT I MUST TALK TO XXXX WHICH IS THE ONE THAT IS PROVIDING THIS INFORMATION I EXPLAINED TO THE REPRESENTATIVE THAT I ALREADY CALLED XXXX WHICH IS THE ONE THAT MONITORS XXXX OF MY CREDIT BUREAUS AND STATED THAT IT IS TRANSUNION ISSUES NOT THEM BECAUSE NOTHING CHANGED ON THE OTHER XXXX BUREAUS IT WAS JUST TRANSUNION I ALSO MENTION THAT THEY ARE VIOLATING THE FCRA LAW BECAUSE I WAS NEVER NOTIFIED BY MAIL WITHIN THE 5 DAYS OF THE ITEMS BEEN REINSERTED AS THE FCRA STATED AND HE REPLIED THAT HE COULD N'T HELP ME. I DEMAND THAT THE FOLLOWING ITEMS THAT WERE REMOVED AND REINSERTED BACK TO MY TRANSUNION REPORT BE DELETED AS THE FCRA STATES AS I WAS NEVER NOTIFIED ABOUT THIS ISSUE WITHIN THE 5 DAYS THAT FCRA LAW SAYS THE ITEMS ARE XXXX # XXXX,,,,, XXXX # XXXX,,, ,XXXX # XXXX,,,,, ,XXXX # XXXX,,,,, XXXX # XXXX,,,,, ,XXXX # XXXX,,,,,,, XXXX # XXXX,,,,, XXXX # XXXX,,,,, XXXX # XXXX,,,,, ,XXXX Requested On : XX/XX/2017
Consumer complaint received 2015-10-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (AL)

On XXXX XXXX, 2015 at XXXX ( cst ) I requested a stop payment be placed on an ACH debit that was due to hit on XXXX XXXX, 2015 in the amount of {$250.00} from a company called XXXX. I was given a reference number, XXXX, that the stop payment order was in placed. 

On XXXX XXXX, 2015 I check my online account and saw that the above reference item was pending. At that time I spoke to another customer service person and requested that the stop payment be placed on this item ; they confirmed that it was and provided me with the following confirmation number : XXXX. As I reviewed my account today I noticed that XXXX separate insufficient funds fees totaling {$140.00} had been debited from my checking account. I immediately called and requested that those fees be reversed because they were generated solely due to Wellsfargo Bank 's failure to honor the original stop payment request I made on XXXX XXXX, 2015.
Consumer complaint received 2016-12-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX XXXX is reporting a collection account from XXXX on My Transunion, XXXX, and XXXX credit report as an open account. There has been several requests for validation of debt, but none provided from each credit reporting agency. I have no knowledge of said debt. I am also concerned because this information was shared illegally ( third party ) without my informed and expressed consent.
Consumer complaint received 2017-02-28
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (GA)

I opened a basic checking and saving account with Wells Fargo. I was told I would have no fees. After several months I noticed I was being charged a $ XXXX monthly fee from my savings. When I disputed these charges I was told I needed to make a minimum balance or minimum transactions which I was not informed of when I opened the account. They refused to refund the fees.
Consumer complaint received 2015-10-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (AZ)

I HAVE A FURNITURE ACCOUNT WITH CONNS AND THEY ARE CALLING REPEATLY ON MY CELL PHONE AT LEAST10 TIMES A DAY PLUS. THEY DONT WAIT 30 MINUTES IN BETWEEN THE CALLS. IT IS ANNOYING FOR THEM TO CALL THAT MANY TIMES IN AN HOUR. THIS IS A VERY STRESSFUL TIME IN MY LIFE WITH JUST STARTING A NEW JOB. MY PHONE WILL BE IN MY DESK AND EVEN ON VIBRATE YOU CAN STILL HEAR THE VIBRATION OF THE CALL.