davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: UNITED BANKSHARES, INC. (MD)

I have a loan with United Bank. Each month I've been applying several hundred dollars that should be applied to principal. United Bank has been charging me daily interest on the principle amount. Additionally, if I were to make an extra payment during the month toward the principal, the principal would also be charged interest fees.
Consumer complaint received 2022-01-29
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)

I have submitted disputes for an account that has been on my report since 2006 the bureaus refuse to remove the account. I have sent letters to the creditor to validate the debt they have not provided me any responses. This account has deprived me of an opportunity to purchase a home. I am a XXXX veteran and I have been XXXX so I never had time to watch my credit now that I am not XXXX I have been noticing things on my credit report that aren't accurate and fraudulent accounts and inquiries school loans etc the bureaus refuse to properly investigate these accounts. This is a violation of my rights under FCRA laws.
Consumer complaint received 2022-01-28
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. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XX/XX/XXXXn cant provide to my two year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just recently looked at my credit report and noticed it had fraudulent accounts, please investigate them and remove them. 

Account XXXX : XXXX. 
Account XXXX : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report.

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2022-01-28
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. (TX)

I am a victim of identity theft. I previously had this fraudulent debt from XXXX XXXX removed by the collection agency, XXXX in XXXX of XXXX. Now another debt collector has unlawfully placed the debt in my credit report. The medical debt is the result of identity theft. Identity theft report attached.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

When I checked my credit report this morning, I was shocked to see inaccurate accounts showing up unexpectedly. Ive always kept an eye on my credit, but suddenly there were discrepancies that didnt make sense. I tried refreshing the browser, thinking it might be a glitch, but nothing changed. Im really shaken by this, and Im asking that the documents Ive sent be thoroughly reviewed so I dont have to live with this constant worry.
Consumer complaint received 2022-01-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION (VA)

I'm writing in hopes of getting an issue resolved. For several months my account was charged without my consent due to screen mirroring on my device ( it was hacked ). I didn't receive any notifications to alert me of the transactions. This was a secondary account so basically it was used as a savings account. I notified the bank and did a claim which was denied. I later filed another complaint ( rebuttal ) on XX/XX/2021. During the process of filing the rebuttal doing a thorough check of my account we came across some more new transactions form a merchant that weren't in my previous claim. Another claim had to be escalated making the claim for the rebuttal and another new claim for the latest charges that appeared on the account. During the process of each claim the bank didn't provide me with a temporary credit as stated in their policy, it was as if it went null and voided or appeared to only for a " selective few ''! I later received a letter for the smaller claim with the claim number used for the rebuttal. It stated " My claim had been denied because the merchant returned the funds '', therefore they no longer needed to move forward with the claim. This information was totally inaccurate the merchant did return the smaller claim but not the initial claim on file for over XXXX. XX/XX/XXXX I contacted the financial establishment spoke with another representative that looked through the account and stated the MERCHANT NEVER RETURNED ANY MONEY, therefore they're going to do another rebuttal and have it escalated the information in the system at this point was very conflicted. Even the agent was confused. There were overdraft fees which were never reimbursed that were astronomical. I'm highly frustrated and now seeking a physician for the stress this has caused me. In these difficult economic times I would've like to believe I would be protected by my financial institution but instead I feel as if I've been victimized twice. SUNTRUST what a name with a lack of!
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NY)

This WELLS FARGO XXXX account is reporting derogatory information as reported in my Credit Bureaus XXXX The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

WELLS FARGO XXXX
Consumer complaint received 2022-01-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NY)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case XXXX with the balance {$910.00} and {$230.00}. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write to the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote to me before. .If they don't write to me then how could they send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, Midwest Recovery Systems . I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an FDCPA lawyer.
Consumer complaint received 2022-01-28
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (FL)

On XXXX XXXX, 2022 i tried to make a purchase of {$27.00} with my Wells Fargo credit card and again it was declined. i have a {$50000.00} limit on my card and it keeps getting declined. i received an email asking if i made the attempt to use my card and if it was good click here to correct. i did that and a red page came up saying STOP do not use this page. 

i called Wells Fargo and got 4 different people who could only say " sorry ''. i asked they lift such tight restrictions on my card. the answer was sorry no!!!! 

Wells Fargo has forced me to close every account i had with them as they were crooks using my money to open new accounts which is a well-known fact. 

They could care less, and they are costing me my reputation and time. Please someone help me.
Consumer complaint received 2022-01-28
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. (AZ)

The following ( Equifax ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit reporting agency A has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 


XXXX XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

i have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX ( Mo ) XXXX XXXX presumed that no proof of the alleged debt. Nor theredore any such debt in fact therfore exisits. ( please remove these accounts before i seek litigation for defamation of character 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 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

NEW COMPLAINT : THE ISN'T A DUPLICATE Subject : Re-Dispute : Improper Use of Information To Whom It May Concern, I XXXX XXXX am writing to dispute the improper use of my information. The following accounts are not mine and have been included in my previous FTC complaint ( # XXXX ). I have no knowledge of these creditors, and I request that they be removed from my credit profile : XXXX. XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX - Balance : {$300.00} - Status : Account charged off. {$300.00} written off. {$190.00} past due as of XX/XX/XXXX. 

XXXX. *XXXXXXXX  # XXXX - Date Opened : XX/XX/XXXX - Balance : {$9200.00} - Status : Repossession. {$9200.00} past due as of XX/XX/XXXX. 

Additionally, the following accounts are fraudulent, submitted without my knowledge, and should be removed immediately : XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXXXXXX 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 These accounts have also been included in my FTC complaint ( # XXXX ). 

According to 15 USC 1681b - Permissible Purposes of Consumer Reports, these creditors do not have permission to report on my credit. I request that these items be removed promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (DE)

Hello, my name is XXXX XXXX. I have a mortgage with Home Point Financial. I have been paying the mortgage via telephone with a customer representative. I made the XX/XX/XXXX payment on XX/XX/XXXX for the amount of {$2000.00}. I used two of my financial institutions ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I've been using these same two accounts to make payments previously. When I went to make my next payment for XXXX XX/XX/XXXX, I was informed that the last payment never went through successfully. I was very disappointed in this matter. I had received zero phone calls to inquire about the failed payment. I immediately paid XXXX payments ( {$4100.00} ) via customer representative again. After making the payment, I checked both my accounts and discovered that the necessary funds were readily available & for some reason unbeknownst to me, Home Point Financial didn't retrieve them properly. Now again on XX/XX/XXXX I discovered that those same two most recent payments have not been processed & the cash is still in my account. I called Home Point & was informed that I must use XXXX XXXX to pay. I did, and was charged fees in excess of {$100.00} extra to make the payment. I attempted a third time to make the payments today XX/XX/XXXX via the XXXX XXXX option. My account # with Home Point is XXXX
Consumer complaint received 2022-01-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Name : XXXX XXXX Account number : Forgot Bank OF America may look up with my social security number Social Security Number : XXXX Back in XX/XX/2021 someone had my Bank Of America online login info and bank card and deposited two bad checks in my Account. This resulted in my account being closed and going negative. I still owe the bank the remaining negative sixty-two dollars that was already posted on my account when the fraud happened. Now I havent herd back from the bank and dont know if I can open another account with Bank Of America .
Consumer complaint received 2022-01-14
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Under 15 usc 1681n ( b ) Civil liability for knowing noncompliance, They have used my credit card and the inquiry is a receipt of the transaction that took place. I did not authorize this transaction 15 usc 1681a Exclusions.. 15 usc 1681a ( 4 ) infringed upon my right to privacy
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I recently reviewed a copy of my credit report and noticed several in accuracies. Under the FCRA section 623 everything on the credit report must be 100 % accurate, verifiable and complete. I have made several attempts to correct this error but with no avail. First, the balance showing on my credit report for XXXX XXXX XXXX is {$41000.00}, The amount showing as the original loan amount is {$6000.00}. The account also shows it was open XX/XX/2015 but there is a payment showing XXXX XX/XX/2015. There are several missing payments throughout the term of the agreement, based on the information I have giving you is a fact that this information is incorrect and the Credit bureaus and Creditor has stated this information is accurate. This is a clear violation under the FCRA guidelines and Experian has violated my rates by not verifying the information as required.
Consumer complaint received 2022-01-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I trade in my XXXX XXXX at XXXX XXXX on XX/XX/XXXX. They accepted my XXXX XXXX for {$12000.00}, after paying for the balance of my auto loan to my credit union The salesman convinced me to do it giving me leather seats and tinted windows free of charge. Also the monthly payment should be between {$250.00} - {$300.00} per month. The payment went from {$250.00} - {$300.00} to {$420.00} per month. A few days ago I checked the sale contract and I noticed the leather seats were included in the price of the car, {$2600.00}. I went to the dealership today, and they said they dont give gifts to customers. This is a shame!!!