davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2018, I spoke with Wells Forgo about refinancing my car loan. At that time the information I received I knew there was no need to run my credit. There fore I asked them not to, but they did without my consent anyways.
Consumer complaint received 2021-01-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (IL)

I started the refinance process with US Bank back in XXXX of 2020. We have still not closed. Up front they promised certain fees would be waved due to my situation. They changed the response later on. I have asked for follow ups going on for 5 months. Part of the delay was because they don't understand Land Trusts verses Living Trusts. I had to hire a lawyer to explain it to them. Four weeks later, they required similar documents which the lawyer said was not applicable. I have tried to communicate with levels of management only to get the same run around. Meanwhile, I have extra fees I must pay plus 5 plus months of extra interest due to a rate that is 1.5 points higher that what I was trying to refinance against.
Consumer complaint received 2023-08-10
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: Experian Information Solutions Inc. (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Consumer complaint received 2017-10-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (CO)

On XXXX XXXX 2017, there was a hail storm in Colorado, on this day my car was damaged. It took a substantial amount of time for the insurance company to determine the damage. I was late on payments but never fell more than 2 weeks behind, never hitting the 30 day mark. 

On XXXX XXXX, 2017 my insurance company mailed a check in the amount of {$6400.00}.??, on the same day Wells Fargo removed my XXXX and XXXX payments both for {$340.00}, they submitted to my Gap insurance company and then put the payments back on the account. 

My understanding was the Insurance check was only meant to pay the principal off, not the interest, I could be wrong. 

On XXXX the XXXX I requested that Wells Fargo make an adjustment for the account as myself and my insurance agent had to make numerous calls to get this in motion. Given conflicting information on all phone calls. 

On XXXX the XXXX I spoke with XXXX, she stated that I could make a settlement payment of {$2500.00} and it would reflect on my credit and I would receive a 1099C for the additional. 

On XXXX the XXXX my mother in law called in to make the payment of {$2500.00}, she advised it was through an equity account, they took the payment. 

On XXXX XXXX, I called to verify the funds were received and wanted information on the title. Wells Fargo was unable to provide the information as they stated the amount was not approved, I was transfered from the office of the president to the XXXX back to office of the president. I informed that this matter needed to be resolved by XXXX. 

On XXXX XXXX, XXXX XXXX called, stated that the amount had not been approved because I would be over paying, XXXX still considered a settlement though ) I offered to not take a refund for the {$410.00} and just put that toward the car if it would lower the amount to be paid in full. XXXX hours later the payment was reversed in the account and shows a past due balance again. I called and spoke with XXXX in Wells Fargo Dealer Services ( collections ) she stated there was no manager in collections and that I could talk to the OTP. She stated since the funds were returned I could only make certified funds payment, I advised this was not my problem as we told them in the begining it was a home equity account and they took the payment. I spoke with XXXX in the OTP Case # XXXX she assigned it to XXXX : XXXX My car is up for repo on the XXXX if the payment is not received, I work and will be going out of town for a week.
Consumer complaint received 2021-01-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Chime Financial Inc (CA)

As of XXXX I calked chime bank and told them that i would not be using there. Derict deposit any longer but will keep my bank account open With them. At the end of XX/XX/XXXX I got a call from chime bank telling me that they closed my bank account. I opened up my bank account on XX/XX/XXXX to find out that my payment of {$750.00} was deposit in to chime bank that was not surppose to be and no one inform me of that. They keep telling me that there going to fix the problem. I fax over and e mailed all of my paper work from Ssi/ssa and plus paper work from them from when they closed my account and reopened it and when my XX/XX/XXXX deposit was posted to there bank.
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

It has recently come to my attention that XXXX and Bank of America are actively discriminating against customers based on lawful firearm-related business activities. As a Bank of America customer and a tax paying and law abiding American, I expect to have access to the same financial services as other law abiding citizens. The Constitution protects United States citizens, and Bank of America and XXXX discrimination is against the law. Considering the sizeable tax funded bailout given to these corrupt financial institutions, I can not fathom how they could think that this would be acceptable. I demand action by our government to uphold the law.
Consumer complaint received 2018-12-19
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. (CA)

The following accounts are still reporting as late payments..Definitely not correct.. On time payments were sent to the creditors and should not be reported as such..Please CFPB step up and reverse the late payments on XXXX XXXX   XXXX
Consumer complaint received 2018-05-03
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: FactorTrust, Inc. (LA)

I when online to apply for a payday loan at XXXX XXXX XXXX and in Louisiana you can only get {$300.00} payday so I het enough money to pay back the loan but as I continue on the application I get to the part where I put in the income so I tell that part and as soon as I click the submit button it comes back and say denied and I call the company and they say they run a basic credit check but they must don't have the information update on a daily basis because insufficient income is not a reason to turn a person away if they get {$800.00} a month and applied for a {$300.00} loan. This company need to check into because they have their system messed up for a person trying to get a loan with limited income.
Consumer complaint received 2018-05-03
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. (CA)

2 things on my credit that has been over 10 years and will not drop off. One of which has been sold to several creditors and are still trying to collect on. I am trying to buy a house and these two things are haunting me for years.
Consumer complaint received 2018-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (MI)

Paypal Credit reached out to me several months ago to resolve a credit balance for the synchrony bank account i had prior to losing my job. Due to their timing i was actually able to settle on the account for less than full balance, it was around {$600.00} that i paid to them. 

Now several months later they are calling me again telling me no payments have been received for a long time, despite me already settling this account. 

I would like them to stop calling me asking for payments on a debt i already settled with them.
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (MA)

My first stop was the Federal Trade Commission website to find out how OPT OUT of Prescreened Credit Offers. 

I found a link to XXXX which is apparently run by the major credit bureaus. 

After two days [ XX/XX/XXXX-XX/XX/2018 ] and numerous attempts to OPT OUT, I believe this site is intentionally defective and designed to not process valid consumer requests. 

I have filled out the form dozens of times including the CAPCHA and get the same two errors every time. The screen shot is attached.

Must Use Valid Format on the ZIP Code field.

Must Use Valid Format on the State field. 

I have tried both XXXX and XXXX to no avail. 

The State information is a pull-down list, the website fills out that field incorrectly on its own. There is nothing I could possibly do to fix it. This incompetence or another dirty trick from the Credit industry. 

I believe this form was intentionally designed to prevent consumers from protecting themselves from unwanted credit offers.
Consumer complaint received 2024-09-05
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. (TN)

TRANSUNION HAS ALLOWED XXXX XXXX AND XXXX XXXX TO REPORT INACCURICIES ON MY TRANSUNION CREDIT REPORT, THE XXXX XXXX ACCOUNT XXXX WAS CLOSED ON XX/XX/2023. HOWEVER IT'S SHOWING DELIQUENT ACTIVITY AND A BALANCE AFTER THE CLOSED DATE. TRANSUNION PROCEDURES HAVE ALLOWED THIS SINCE XX/XX/2023 AND HAS BEEN HIGHLY DAMAGING TO ME. ALSO TRANSUNION HAS ALLOWED XXXX XXXXXXXX TO REPORT INACCURICIES ON MY CREDIT REPORT. XXXX XXXX ACCOUNT XXXX WAS CLOSED ON XX/XX/2023, IT'S SHOWING DELIQUENT ACTIVITY AND A BALANCE AFTER THE CLOSED DATE. TRANSUNION HAS ALLOWED THIS SINCE XX/XX/2023 AND HAS BEEN HIGHLY DAMAGING AS WELL, THIS ERROR IS ILLEGAL AND UNETHICAL.TRANSUNION FAILED TO PERFORM AN INVESTIGATION. REMOVE BOTH ACCOUNTS IMMEDIATELY.
Consumer complaint received 2018-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

XXXX XXXX XXXX. XXXX has sent collections letters stating I owe XXXX {$1900.00} ( shown as {$1900.00} on my XXXX, XXXX and XXXX credit reports ). I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation TO PAY MCM and/or XXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately.
Consumer complaint received 2018-08-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (WI)

I am filing this complaint against I C systems Inc. I do not know who this company is and what this debt is about. I have been working on cleaning my credit report on my own. As of XX/XX/2018 XXXX added this to my report and flagged it. This may be a dispute I had removed and XXXX continue to allow these negative collections to be add to my report under different creditors. I don't feel this is right. I am working hard to achieve the American dream and XXXX continue to set me back. I ask that you please remove this from my report immediately. Thank you for your time and consideration
Consumer complaint received 2019-02-05
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX Address:XXXX  XXXX XXXX XXXX, XXXX XXXX , fl XXXX TODAYS DATE:XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquiry have been made. 
I contacted each creditor, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an REinvestigation into XXXX XXXX   Inquiry from XX/XX/XXXX Bank XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX/XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX  XXXX  Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX  XXXX Inquiry from XX/XX/XXXX Bank inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX, XXXX G SOC SEC # XXXX DOB XX/XX/XXXX Address:XXXX  XXXX XXXX XXXX, XXXX XXXX , fl XXXX
Consumer complaint received 2019-02-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NPAS, Inc. (LA)

NPAS, Inc, XXXX, attempted to collect XXXX that was an error of XXXX XXXX XXXX XXXX in that the hospital failed to submit the necessary documentation to the insurer which resulted in the claim being improperly processed. It should be noted that the first bill we received for this amount came directly from NPAS and not the hospital billing department. I contacted NPAS prior to XX/XX/19 and told the rep that this bill was in error and it wasn't owed. I also asked to speak to a supervisor and was told that all five supervisors were busy. I told the rep. to take a message and have a supervisor call me back. I never received a call. On XX/XX/19, I had my wife call NPAS since she's the patient at XXXX XXXX XXXX XXXX being treated for relapsed XXXX. She told the rep. that it was an error and we didn't owe that amount and besides, we had already hit our catastrophic cap before that date of service for that claim. The rep refused to help and told the wife that she would have to dispute it with our insurer ( I am the policy holder ), but there was nothing to dispute. My wife told me what they told her, and I called back the afternoon of XX/XX/19 and once again explained we didn't owe that amount. I also asked the rep if NPAS was a collection agency and the rep denied they were a collections agency and told me that NPAS was an extension of the hospital 's business office. I once again asked to speak to a supervisor and once again, it didn't happen. At this time, neither my wife or I have heard back from anyone at NPAS. I XXXX   NPAS and it indicated that they are indeed a collection agency. So, the rep misrepresented that fact and lied to me. The only contact info I have for NPAS is the phone number XXXX and an address of NPAS, XXXX, XXXX. XXXX XXXX, XXXX KY XXXX. NOTE : I am the husband of the patient and I am filing this complaint on her behalf. I will enter her as the primary on the complaint and me as the secondary on the complaint in the contact info section of this submission.
Consumer complaint received 2023-05-07
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account names : -XXXX XXXX XXXX Acct # XXXX -XXXX XXXX XXXX  Acct # XXXX -XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX Have violated my rights. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2020-11-18
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: AFNI INC. (CO)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2020-11-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (NY)

I had a Hyundai XXXX Account # XXXX which had completed the lease. I never received an end of lease statement. I have made several requests for this so I can submit the damage waiver so I can have that deducted from the amount owed. 
On XX/XX/2019 I got a letter saying that a final bill will be mailed but never did get anything ( see attached ) I am also attaching a report to show that it is reporting a balance. 
This has been transferred to collection yet I never received any proper bill.
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/18 I applied for the Wells Fargo Platinum Visa with a {$3500.00} credit limit @ 0 % interest rater for 18 months. My credit rating upon application approval was @ XXXX and according the advertisement the interest rate would be based on credit worthiness and payment history and no higher than 24.49 % ( being the highest rate which should not apply to me based on my credit worthiness ) I have excellent credit / payment history with all my open accounts to include XXXX XXXX, XXXX & Wells Fargo. However I am being charged an interest rate of 24.99 % on a {$1300.00} balance when my minimum payment is {$43.00} HOW IS THIS POSSIBLE.. Please help
Consumer complaint received 2020-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (VA)

I have a loss draft case opened for damage to my home/roof. Selene Finance, LP received a 2nd check for my account on XX/XX/2020 from the insurance company for the remainder of the work. This check was to be mailed to me to finish pay for the work that was done. Today is now XX/XX/2020 and the check still has not been mailed out. I have been given the run around this entire time from different representatives. I was told an inspection was needed. I have not talked to an inspector nor I have I received a voicemail from an inspector acting on Selene 's behalf. I explained to their employees several times that I work during the day and I would need a message to let me know someone is trying to contact me. I requested to speak to a manager during one phone call, after waiting for 20 minutes I was forced off of the phone because the representative said she could not tie her line up any longer. She assured me that a manager would contact me within 24 hours. This never happened. The file  owner, XXXX, who has only reached out once since XX/XX/XXXX, has been of no assistance either. When I finally talked to her after several weeks, she said the check would be released. It still has not been released. Every time I call its the same story, that I need an inspection. Apparently they use an outside vendor who they say is calling, however, they are not leaving a message. I explained to 4 different representatives and included on 3 different voicemails that I work during they day and can not answer the phone. I have to have a message to know who is calling and what number to call them back on. A company should not be allowed to hold monies that does not belong to them and feel no responsibility to adhere to rules or regulations. The roofing company has issued a lien against my house because the remainder of the money has not been paid for the work they completed. I have already paid my portion of {$1000.00}, the deductible, and I should not have to pay any more out of my pocket. As I am typing this I am on the phone with a representative  now, XXXX, who is great, however, unable to assist me. Again, a manager is unavailable. Another inspection has been ordered. The circle just continues.
Consumer complaint received 2024-10-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center (NY)

I paid an outstanding invoice on XX/XX/year> and I have a reference number from ARStrat for the payment. I also have confirmation from my bank that the debt was paid. ARStrat is now telling me that the debt is unpaid and that they will continue to try to collect on it. I feel as though ARStrat is looking for me to pay this invoice twice so that they can pocket the money.