davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
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 (TN)

I have a Wells Fargo credit card which has multiple companies set up receive recurring payments from it. It is the policy of Wells Fargo that they delay applying payments they receive toward the credit limit, even though they do credit them towards the balance remaining. Consequently, I have repeatedly exceeded my credit limit and had {$0.00} credit left, even when my balance as shown on their own app was less than half of the limit. For example, this month I initiated a payment of {$8000.00} using the Wells Fargo app on XX/XX/XXXX. This amount was withdrawn from my checking account on XX/XX/XXXX. Since then I have also made payments ( using my checking account 's online banking ) for {$2000.00} and {$1000.00}. All of these payments show up on the Wells Fargo app, which shows the current balance this morning as XXXX XXXX of my credit limit, but my " credit left '' remains at {$0.00} and it is now XXXX XXXX XXXX days after the {$8000.00} was withdrawn from my checking account! 

This policy by Wells Fargo is completely UNACCEPTABLE. I have had much inconvenience and lost money because of it. No other financial institution with which I work takes more than 3 business days to fully credit an ACH payment. I will be switching to another credit card company, but want to warn other consumers to AVOID WELLS FARGO credit cards!
Consumer complaint received 2022-11-29
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. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate 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 items from 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 2022-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: TD BANK US HOLDING COMPANY (NY)

I called TD Bank Fraud department regarding a denied charge on my credit account. 
During the verification process the customer service rep ask me for my Social Security number. She said that she needed the full social security number. I hesitated but she said she is with the fraud department and requires that I give her my social security number. 

I gave her my social security number and my Credit card information. SHe reversed the denial on my credit card and transaction went through. Later, I called back TD bank because of my anxiety with her demanding my full Social Security number. When I spoke with the customer service rep she stated that TD Bank 's policy is to ask for the last 4 digits of the social security number and she didn't see any notes on the account regarding my previous phone call to the fraud department.. Now I very upset over this and she said TD Bank will have a supervisor contact me. Several days later a supervisor called me, however she said there isn't much she can do because there are no notes on the account.
Consumer complaint received 2022-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (OR)

I am the Personal Representative for the Estate of XXXX XXXX XXXX XXXX XXXX XXXX, last XXXX numbers of the American Express Credit Card XXXX, Last four numbers Social Security : XXXX. 

On or about XX/XX/XXXX, I notified American Express ( XXXX  ) that XXXX XXXX died XX/XX/XXXX and asked XXXX to close the account. I was informed that the account had a balance owing or {$140.00}. I a sent my check # XXXX, dated XX/XX/XXXX. XXXX  deposited by XXXX  on XX/XX/XXXX. 

In or about XX/XX/XXXX, I begin the process to collect the membership rewards for the Estate. 
A letter dated XX/XX/XXXX from XXXX stated, " ... we're unable to complete your request ... Account has past due amount of {$990.00} ''. 

I mailed a balance dispute letter XXXX XXXX. In addition to providing evidence that the {$140.00} was paid, I sent information to document the payment of XX/XX/XXXX account billing. 

On or about XX/XX/XXXX, I received an email stating that XXXX was confirming a change of address, phone number, and email for the account. 

I called XXXX today XX/XX/XXXX to tell AM that I did not request a change in address, etc. The Customer Service Rep. stated that the account had been turned over to a Third Party Collection Agency, the system was down, and I should call back after 48 hours.
Consumer complaint received 2022-11-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cawley & Bergmann, LLP (AL)

I have attempted to verify claims by XXXX XXXX that I owe XXXX to them. XXXX had a very threatening attorney, Cawley & Bergmann , LLC call me repeatedly over the course of 7 months. I have not entered into contract with XXXX XXXX or Cawley & Bergmann , LLC and do not plan to. I called the attorney office back that threatened me because i was afraid of legal action based on their aggressive calling and leaving voicemails. I was finally able to verify the debt on XX/XX/2022, which is from XXXX XXXX XXXX XXXX. The original documentation clearly shows that the " debt relief '' program was supposed to be at an annual 16.99 % yet my signature was electronically signed to a 19.38 % which I do not have any record of until my request. The first page of the XXXX XXXX XXXX XXXX is the only page that was presented to me which displays the 16.99 % as agreed. This was a deceptive practice and caused the payment to be outside of ability to pay based on our debt to income at the time, and currently is about 46 % today. I have attempted to contact XXXX to resolve the matter, but no response just threats from attorney 's office and XXXX XXXX.
Consumer complaint received 2022-11-29
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. (FL)

All 3 bureaus are adding " Reaffirmation of Debt '' each month to my XXXX XXXX XXXX XXXX XXXX card each month. They are reaging my XXXX XXXX that was XXXX in 2015. 

This is bringing down my score XXXX points each month and they are not fixing the issue & have closed or failed to respond within the specified time frames. 

Equifax, XXXX and XXXX have negatively affected my accounts due to this erroneous reporting they are not correcting. It took me years to build up my credit and these agencies are not doing their due diligence in fixing the issue and coding on my credit file. They refresh the " Reaffirmation of XXXX '' each month and fail to delete this from the file since the XXXX  was XXXX over 7 years ago going on 8 years.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

This is my second time contacting without my issue being resolve and am not being tooking serious. At this time again you are in violation of my consumer protected law by knowingly furnishing these accounts on my profile. My last complaint clearly stated I did not give these companies written or verbal approval to Inquire on my credit profile, or the permission thereafter to furnish these on my behalf. I don't have any knowledge of these transactions. You and these companies are in violation of my rights stated below and would like these inquiries removed immediately. This account is under litigation! ( Personify ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

Good morning, This year has been a very rough year to say the least. My wife and I were considering a XXXX  but decided to XXXX XXXX XXXXXXXX  and save our family. Here is what happened : In XXXX, I prepaid a lawyer XXXX XXXX dollars to represent me in a case that never happened. I fired the attorney and requested a refund since our case was a wash and the law firm basically did no work for me whatsoever. 

The law firm refused to refund me, pointed out to me that they had ONLY used around XXXX or XXXX of my retainer, but instead of returning the unused amount to me in its entirety, they only wanted to give me half. 

I disputed the charge with my CC company, sent them ALL OF THE DETAILS from point A to point Z and they sided with the merchant. 

I will fight until I have no fight left to stand up for what is right, ethical and moral. This law firm and cc company ( citi ) are taking away my family 's XXXX by trying to rob me of XXXX XXXX dollars. I need help, please help me! 

I have all of the documentation necessary to prove that the law firm owes me at minimum {$1200.00} dollars, but they are only willing to give me half of that. Which is wrong, illegal, and inhumane.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

I have been unable to obtain my Experian credit report and credit score from a multitude of sources. I used to have a FICO Score XXXX with Experian of around 800 not long ago ..... 
My XXXX XXXX Score XXXX is close to 800 and my XXXX XXXX Score XXXX is also close to 800 all taken from the Experian website...... I've tried to resolve this issue with Experian and they told me to contact my XXXX  XXXX XXXX  because they are not receiving info from them ... ..I contacted XXXX  XXXX and they told me they send my info to Experian on or around the XXXX of every month ... ..I 've given Experian other bank accounts and cards and still get nothing reported... ..With many hours of research I finally realized that it was Experian preventing me from obtaining and being denied to purchase anything on credit ... ..I then went and checked other consumer complaints only to see that there are over 2000 other complaints that are having the same or similar problems .....
Consumer complaint received 2022-11-29
Product: Mortgage — Other type of mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CARRINGTON MORTGAGE SERVICES, LLC (KS)

Like many others my husband and I were given the run around by carrington  during the pandemic. We got behind on our mortgage and did the forebearance. I was told that at the end of the forebearance we would just have our past due balance put on the back side of the loan with no late payment upfront, no extra fees, no late fees, no lawyer fees, no negatives on our credit reports, and no need for refinance. They told us they were here to help us get through it. 
We were almost a year out before we were able to make payments again. Then we go to make a payment to find that they wont allow us to pick up where we left off. We were locked out of our online account, unable to get information, received foreclosure notices. The. We finally got them to talk to us and they let us apply for a refinance. They allowed it to go through, but now we owe more than we did originally. Weve had the loan for over 12 years now started off around XXXX and now we owe over XXXX. Then they tacked on over XXXX in fees we arent able to pay after saying they wouldnt add fees. Sure they lowered our interest rate by around XXXX XXXX but we still owe more than our original buying price. Our loan has been sold multiple times before landing with carrington, which means our information has been sold as well and now we are going to have to pay everything weve already paid off again all because we were lied to. My husbands credit was drug through the mud because of this even though they said it wouldnt be affected at all. Ive called multiple times and been told by a few that it would drop off after 2 months of consistent payments. Well weve paid for 6 months straight now and its still showing bad marks against his credit. We tried to refinance our truck loan to lower our payment and cant even do that because our bank wont help us until we are showing 1 year good with payments with them or until they drop the negative marks on his credit. We are still recovering from the damage the pandemic did on our finances. Carrington is doing something illegal to everyone who needed help during this pandemic and giving false information and put us and many other in a bad spot because of it. They either need to dissolve our loan and take ownership of the property without any legal recourse or more credit recourse or they need to honor what we were told when we took the forebearance plan. We are struggling even more because of this company and they refuse to fix the issue.
Consumer complaint received 2022-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Coinbase, Inc. (VA)

XX/XX/2022, Coinbase sent me a Visa debit card. I have never created an account with Coinbase. 
Immediately, I tried to contact Coinbase support, but their system blocked me from speaking to anyone because I have no account with them.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

My complaint involves the XXXX credit reporting agency they are reporting old or outdated info which affects my XXXX XXXX and gets me denied for most if not all loans that I apply for I have disputed these inaccuracies on their websites over the past several months but to no avail have anything changed.. 
The info they're reporting either list wrong addresses or reporting how long that the accounts have been opened once a new debt agency buys the debt they report it as a new account most of this debt is less than XXXX
Consumer complaint received 2022-11-29
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (FL)

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX CarMax Auto FinanceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 usc 1861 section 602 states i have rights to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a account under an open end consumer plan as late for any purpose.

I took action of disputing this matter and even asked company to remove late payments in accordance with the law and was unsuccessful.
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

Synchrony XXXX XXXX ( XXXX XXXX XXXX ). 
When a promotional purchase is made on XXXX, Synchrony advertises equal monthly payments with no interest, versus a payment in full. 

Given the volume of transactions that Synchrony processes through their online system, It is fair to say that their payment allocation options are intentionally inadequate and crafted to maximize consumer error. 

The basic expectation from a consumer 's perspective, is that Synchrony provide a simple way to auto-pay a promotional purchase ( over 1 year for example ) while still allowing the auto-payment of the required monthly balance related to other purchases. 

Synchrony does not do this. Instead, Synchrony provides a hierarchical payment allocation method like " Allocate Payment to Non-Promotional Balances First ''. 

After making a promotional purchase, a consumer that previously had Auto-Pay setup to pay the required monthly balance in full, now has to remove that form of auto-pay and select the correct allocation. Then the consumer needs to review their purchasing activity, locate the promotional purchase, and calculate their monthly payment for the promotional purchase. Then the consumer needs to go back and review their total balance and figure out how much to set their auto-payment amount to so that they will not incur penalties. And finally, the consumer needs to make sure to login each month and update and re-calculate their auto-payment amount If they make additional purchases.
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (OH)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have inquiries on my Transunion report that I did not make. I have tried several times to have them removed. I did not make these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-29
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. (DE)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The itemsI 'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 Creditor : XXXX XXXX ) XXXX Balance : {$91.00}, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX Balance : {$73.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-29
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate 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 items from 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 XXXX data breach and may have got into the hands of the wrong person.