davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

Regarding my business checking account : From XX/XX/XXXX to XX/XX/XXXX ( last  statement received ) I have been shorted a total of XXXX. I have a checking account at another bank that balances to the penny every month which also has more activity. I find it very odd that for 4 months in a row, my Wells Fargo checking account is chronically short, especially since my other account always balances and the Wells Fargo does not. After working in the banking institution and working as an account for over 20 years I can not locate any errors on my part. It is also strange that it is ALWAYS short. I am to receive my next statement any day now. If it is short again I will be reporting that as well. 
I am curious to know if any other complaints have come in regarding this nature with Wells Fargo. I sincerely hope this will be looked into as I viewed other complaints about this bank and was astonished to read so many complaints about them. 
An audit I hope? 
Thank you for this opportunity to voice this complaint. 
My contact numbers are : XXXX & XXXX. My E-mail is : XXXX My address is : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Signed ; XXXX XXXX
Consumer complaint received 2018-08-21
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: EQUIFAX, INC. (GA)

I am starting to repair my credit to try to become an homeowner. I noticed that I have several inquires for finance companies, look like car dealerships. I have NEVER applied for any type of car loan. I have sent XXXX, Equifax and XXXX over 2 months ago and no response. This is really frustrating. Every time I reach out to the bureaus, I get someone from another country. I think my information was accessed during the breach. Can you please help me rectify the problem.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXXXXXX Balanced {$410.00}
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-08-21
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. (GA)

Bankruptcy DISMSD/CLSD CHXXXX I have been informed by the courts that they did not verify this for no bureau. Consequently, litigation may follow if it is not removed immediately ... this is false and inaccurate ... I have never filed Bankruptcy ... 

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2018-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

I never made a contract with AWA, I sent a letter and Im mailing a copy to CFPB as well according to Section 609 ( a ) ( 1 ) ( A ) XXXX, XXXX, and XXXXx are required by Law and AWA Collection Agency to provide proof that I intact had a signed sealed and delivered contract and I did not and this was paid I want it removed and they have also fraudulently placed a date saying I started a contract with them on XXXX and thats not true they can not create a false date and a false contract and thats what they have done. This contract to my understanding was from XXXX with a company called absolute bail bonds when I verified I was told this was originally opened 13 years ago. I am a victim to fraud at this point and absolute has lied saying I made a payment on the account on XXXX and thats fraudulent as well I don't owe this why would I pay it.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (KY)

I got my wisdom teeth out at XXXX XXXX in XXXX, KY in XXXX of XXXX. 
My insurance would not cover the expense of {$1500.00}, so they set me up with a plan to pay my bill " interest free '' with a Care Credit credit card. I was not aware of any promotional benefits expiring in XX/XX/XXXX, so I set up autopayment with my XXXX card and waited patiently for the day my balance would be paid off. That day never came, and in XXXX of XXXX, I unknowingly received an increase in my owed balance of {$580.00} when I owed only {$650.00} left. This made my balance increase to {$1200.00}, which is only {$350.00} less than my initial balance. Not only had my balance increased, but I was also unwillingly now paying 26.99 % APR on this balance. I was not aware of these occurrences until I ran my credit report and discovered an increase in my debt owed late in XXXX of XXXX. I immediately reached out to Care Credit customer service, which was of no help and treated me like I was in the wrong by not being aware of the events that occurred and why. I talked to four customer service representatives who were not sympathetic ( XXXX XXXX, XXXX, XXXX, and XXXX XXXX and one collection accounts XXXX, XXXX, who was not helpful at all. After a little research, mainly while I was on hold between transfers, I discovered in XXXX a complaint was made about " deceptive enrollment process '' concerning the CFPB found that service providers misled some consumers by not providing adequate guidance clearly laying out the terms of the deferred-interest loan. For the record, I was given a minimum monthly payment that I paid every month, never missing one payment. I feel like the minimum payment was chosen by the provider in order to ensure the balance would not be paid by the end of the promotional " interest free '' period. If I had more information, I would have paid the correct amount to avoid the extra charges, including an outrageous increase from 0.00 % APR to 26.99 % APR on a balance that was roughly 78 % of my original balance. Please advise if there is someway to appeal this. If not, I will need to make a decision quickly on how to deal with in order to avoid financial disaster. Thank you for anything that will help.
Consumer complaint received 2018-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (FL)

On XX/XX/2018, I received a Notice of Collection from Penn Credit Corp on behalf of Florida XXXX XXXX XXXX, requesting a balance due of {$270.00}. 

After reading the letter, I called the 1-800 number provided. I spoke to a representative and I explained that I was not a resident of XXXX XXXX during the period in question. Furthermore, I explained that during the period in question, I was a residing in XXXX XXXX and that I had not established the alleged XXXX account. 

The representative instructed me to provide the entity via E-mail ( XXXX ) with a copy of an Electric Bill with the company I had an Account during the period in question ; as well as other documentation which proved my place of residence during the period in question, in order for the entity to review it. 

The representative also noted that, once Penn Credit reviewed the documents which proved that, I was a resident of XXXX XXXX during the period in question, this matter would be cleared with their Client ( XXXX XXXX and I would be exonerated from the alledged XXXX Account debt. 

Immediately after I spoke to the representative, I E-mailed all requested documentation which clearly demonstrated that I resided in XXXX XXXX and not XXXX during the period in question. 

I provided Penn Credit Corp with enough time to review all documents provided but no one from Penn Credit called back to provide me with a resolution. Therefore, I called today XXXX   XX/XX/2018. 

During the call, I explained to the representative who responded the reason why I was calling ; after my explanation she requested a moment to review the notes on the Account and after reviewing them she stated that, in order to get this matter cleared with the Client ( XXXX ), I would need to show proof of a final payment for the Balance due. 

I told her that, the point of me providing the XXXX XXXX XXXX with documentation that demonstrated I was not a XXXX resident during the period in question was in order to make sure that I'm not held responsible for the payment of the alleged amount due. In addition, I noted that I did not establish the XXXX account during the period in question, therefore I'm not responsible for the outstanding balance. 

Despite this the representative stated that, the only way I could get this matter cleared with their client ( XXXX ) would be paying the alleged balance due. 

Penn Credit Corp has failed to give me required notices and/or disclosures e.g. written validation notice, including the consumer rights under the federal Fair Debt Collection Practices Act. In addition, the Entity is now harassing me, and trying to collect the balance due, even after I have provided evidence as per instructed by the representative from your facility on XX/XX/2018.
Consumer complaint received 2018-08-19
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. (CA)

Hello, I am launching this complain because I feel like you are my last resort before filing a law suit against the credit bureaus. I am a victim of identity theft. I have sent the bureaus a copy of my fraud affidavit packet, my police report and my notarized statement- its no use after 6 months I have not received a response and/or the accounts remain on my credit. I hope they will respond to you and we can get this resolved if not I will be filing a law suit with the federal courts. 

XXXX XXXX FKA 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 2018-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a credit card with Capitol One to which I did a balance transfer based on their advertisement of 18 month free interest. Now that I am nearing the end of this period they will not provide me with any information regarding the end of this term. They will only confirm it via phone which makes me very uncomfortable as I believe they are setting me up for failure and an eventual default. I spoke with XXXX employee ID XXXX who stated they do not provide any tangential proof to confirm this end date that was not adding up to the 18 month mark. The employee was rude in responding to my requests to explain why on the chat system online a XXXX date had been confirmed and now he is stating the expiration of the deal is in XXXX. This felt very suspicious. This information is not listed on my statement or online. This date is only confirmed via phone representative which is unreliable should I have an issue later on.
Consumer complaint received 2017-02-05
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (IL)

In XX/XX/XXXX I bough a condo and had a 1st and 2nd mortgage on it since I put down about 12 % on the house. The mortgage was acquired by Citibank from XXXX and I have always paid my mortgage on time. I later refinanced my 1st mortgage through XXXX and my 1st mortgage from Citibank was fully paid off on XX/XX/XXXX. I refinanced my mortgages again in XX/XX/XXXX and I was informed that for the 1st mortgage that was fully paid off years ago the report from XXXX showed that the current status was " PAYING UNDER PARTIAL AGREEMEN XXXX '' with a XXXX balance. I am not sure why that is since the mortgage was paid off years ago. In addition we are selling our house and looking for a new one and something like this on my XXXX credit report increases the likelihood of me getting a unfavorable mortgage rate. I kindly request some help so me and my family are not penalized for an error in the credit report.
Consumer complaint received 2016-01-07
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XXXX, 2015 I received an email from kohls.com about an order made for {$100.00} e-giftcard. The email showed my information along with the email where the e-gift card email went to. I never placed this order. The company was closed and I called early the next day. I spoke to XXXX in the fraud dept was able to zero out the e-gift card but was unable to clear my credit card for the {$100.00} charge. My case number is XXXX. They refuse to reverse the charge for the fraudulent charge. I have made numerous calls with no luck. I am being told that I have to wait for the investigation and for them to come to a conclusion to what happened. In the meantime I will be billed for this bogus charge.
Consumer complaint received 2015-08-11
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (IL)

Hello, I had a Macys credit card and I made a payment of {$290.00} on XXXX XXXX 2015. On the statement I have from macys it says there is no further balance. Recently I checked my credit report and it says I am XXXX days late with a XXXX dollar fee. The statements macys has sent are very misleading and dishonest. I paid a full balance and the statement says I have also paid the interest ... Only to be surprised I have accrued more interest from another quote billing cycle quote. My credit score is significantly lower because of these extremely dishonest business practices. I need your help please. This is a new trend a lot of people are talking about when it comes to consumer fraud.
Consumer complaint received 2015-10-20
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: FINANCIAL MANAGEMENT  SOLUTIONS (NY) (NM)

Received several phone calls from phone number XXXX stating that I needed to " cooperate with '' the company by paying {$200.00} of the {$400.00} debt. Then, my social security direct deposit information was changed online. They requested that my payment be deposited to XXXX XXXX card. A fraud alert has been set with social security, but the payment to the XXXX XXXX card was never recovered by social security.
Consumer complaint received 2018-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

In 2016 I received notice of balance owing to capital one card services. I started paying the balance both by money order and by visa card. In XXXX late XXXX I received a notice from a collection agency stating that I owed capital one card services {$860.00} of which is the amount I paid off. I contacted capital one speaking to rep XXXX and forwarding copies of money orders totaling in the amount of {$450.00}. I have been trying to reach out to the card company for statements showing payments made and still waiting to receive this information. After making payments with my visa card I recieved an email from capital one thanking me for my payments. I received a call back for XXXX capital one rep  whom informed that all but one money order had been applied to my account which was the last payment of {$52.00}. XXXX could not inform of where my other payments had gone. I reached out to the XXXX filing a complaint. I was called by the second capital one rep whom inform that capital one would do their investigation and would get back to me. During that time Capital one have blackballed my credit report lowering my credit scores. I received notice from the XXXX with word from capital one asking for copies of money orders of which I had already submitted. I returned the rep phone call without a call back. I finally reached the third capital rep XXXX who at that point stated " that capital one was not showing any money orders cashed by capital one '' 2. They required for me to send copies of money orders front and back. 3. XXXX stated that it was showing that I cancelled two of the money orders. 4. Everyone knows that you can not cancel a money order with the receipt part of the money order of which I am in possession of. 5. XXXX stated that my money order payments coin sided with my visa card payments. Are you confused to? This account was paid off in it's full amount owing of {$860.00} cents. I have also reached out to XXXX XXXX   XXXX of XXXX XXXX  XXXX with assist in this matter. There is something wrong with capital one card services accounting department. Please assist me with this matter. Capital one should be ashamed trying to steal from consumers.
Consumer complaint received 2024-08-28
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: EQUIFAX, INC. (WY)

On XXXX XXXX I looked at my equifax credit report and noticed XXXX inquires I didn't authorize.i called equifax and they said they would remove the unauthorized inquires and they didn't remove them.under the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.these inquires 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  are all unauthorized inquires on my equifax credit report.please delete them immediately or pay me {$1000.00} per unauthorized inquiries.you can mail my check to address on file.
Consumer complaint received 2018-08-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I was shocked when I reviewed my credit report and found late payments on my credit report which I thought it was already taken care of. I personally called XXXX and spoke to different departments in regards to the error that was placed on my credit. They specifically told me that they will submit a request for credit reporting correction, and it still reports as an error. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (TN)

I have been trying to get this horrible company to remove this erroneous collection from my credit profile for over a year. They claim I owe {$760.00} to XXXX XXXX XXXX. This is a lie. The company responds to CFPB stating that they respond directly to me. They only respond with my original lease agreement. There is NO PROOF that I did not fulfill my contractual obligation, in which I did! 

In case the company CLAIMS they can't identify me again : My name is XXXX XXXX XXXX. Last 4 of my social is XXXX. File # XXXX
Consumer complaint received 2016-02-09
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CT)

I have a home equity line of credit with Citibank that has principal and interest in the monthly payment. This account is current. Last month, there was a system error showing an overstated principal amount. I contacted Citibank on XXXX XXXX, XXXX regarding this matter and spoke with a supervisor, XXXX, who agreed there was an error and told me it would be resolved the next day. 
I called two days later and the error was corrected but upon checking one week later, the error was back in the system. I then spoke to a manager, XXXX, ID XXXX, on XXXX XXXX, XXXX, who said they were still working on the issue. I was told the issue would self correct in the following month. 
This is not an acceptable business practice. The error was then corrected in the system when I checked on XXXX XXXX. 
On XXXX XXXX, XXXX, I checked the system and the principal balance amount is again incorrect. Also, same day, XXXX XXXX, XXXX, I received a notice from Citibank dated XXXX XXXX, XXXX that my account is in default and that there will be a property inspection scheduled that I will be billed for as a delinquency expense. 
My account is current and paid. I am appealing to the CFPB to contact Citibank and have this matter rectified.
Consumer complaint received 2016-04-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (FL)

XXXX continues to send me a collection notice 3 times after I told them that I never had XXXX sytem @ my home or owe them NOT XXXX BROWN PENNEY.They refuse to stop their tactics and continue to send collection notices after I told them 5 times not too!