davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Flandreau Santee Sioux Tribe (IL)

They called me in XX/XX/2023 to settle a debt but they threaten me that if I do not make a payment plan that they will come to my job or come to my house and also garnish my wages. They also told me that they have my Social Security number. I tried to start a payment plan with them and is not able to pay it back at the moment so now they called me again. XX/XX/2023, and they are saying the same thing. If I dont settle the debt said theyre threatening to come to my house or my job or garnish my wages.
Consumer complaint received 2023-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AL)

XXXX XXXX XXXX Wells Fargo : XXXX Went through a hard time, had to apply for a modification. 

then : After months of waiting for them to let me know if it went through, faxes were paid to go through the program Finally after months & months Was on program. 

Home was ran in NEWS PAPER AS A FOR-CLOSURE accidentally, they said it was an accident. 
Being well known in the community, there was talk of my financial situation at the court house with attorneys discussing the foreclosure listed in the local NEWSPAPER, what an embarrassment. 

I paid a lump sum after a modification & the lump sum was added to the rear of the loan, not as a lump sum payment option, even though my mortgage statement showed the amount due to date, the formula they used didnt go with the statement they sent out.. it clearly said the amount due was owed but they changed it & they added 3 years to the loan. Even though my maturity date said XXXX they then changed till XXXX, made no since to get penalized for a CIVIL RELIEF ACT program 3 years of {$1200.00} payments, {$43000.00} So were the programs they lure you in with even the ones that the government let them offer? 

It took months of stress while faxing documents they always claimed were missing information for one type of program but then had all the documents for the program they wanted to put you on? 

Thought it was just me. 

XXXX XXXX XXXX
Consumer complaint received 2023-04-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/23, i notice this morning i was missing XXXX in maintance fees. I call Boa four times. All four times i was either hung up on or lie to. 
Long story short, i was told that i gad to have ONE DIRECT DEPOSIT OF XXXX OR GREATER IN ORDER TO AVOID ANY MAINTANCE FEES. I WAS TOLD THAT I NEVER HAD A DIRECT DEPOSIT OF XXXX OR GREATER. WELL EITHER MY ACCOUNT WAS NEVER LOOK AT OR WAS LIED TO. REASON WHY I AM STATING THIS IS, ON XXXX I RECIEVE A DIRECT DEPOSIT OF XXXX. AND SO MANY XXXX. WHICH MEANS I SHOULD NEVER HAVE BEEN CHARGE THIS FEE AT ALL. THIS IS THE SECOND TIME THIS HAS HAPPEN
Consumer complaint received 2023-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MS)

i recently check my credit report and notice 2 accounts that are not mine and are a result of identity theft. both accounts are from LVNV FUNDING LLC and the original creditor is XXXX XXXX XXXX. I never had any account with either one of these companies and request that these accounts be deleted from my credit report ASAP. 
LVNV FUNDING LLC XXXX XXXX LVNV FUNDING LLC XXXX XXXX
Consumer complaint received 2023-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 168li ( a ) ( 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. )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me?

I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

I demand the following accounts be verified or removed immediately. 

XXXX Account # XXXX Validate Account *XXXX Account # XXXX Validate account I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-28
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: Experian Information Solutions Inc. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (AZ)

When I canceled a Citibank AAdvantage credit card with a fee, I was informed that if I wanted a credit card, I should go with the mile up credit card because there is no fee. There was also a promotion of XXXX miles and a {$50.00} credit if you spent {$500.00} within the first three months. 

When I contacted them about the promotion, I was told I did not qualify because I had canceled the card with the fee.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

On a Friday XX/XX/23 afternoon at XXXX XXXX, Wellsfargo bank suddenly froze my accounts personal and business totaling {$140000.00}. I had no idea this even happened until I attempted to make a transaction for my business. Little did I know all of my accounts had been frozen for no apparent reason. After calling and going into the actual branch, no one would tell me why my accounts were frozen. I was treated like a criminal and had XXXX access to any of my money. I was told they were on a hard freeze for 2 years and I wasnt going to be told why. After talking to my attorney and multiple people with the Wellsfargo institution, I was under the impression that the FBI was after me but was assured it was Wellsfargo business decision to freeze the accounts! The amount of emotional distress this has caused my myself and family for the last week is indescribable. Having XXXX access is to my own personal money or any access to my business accounts is unforgivable. I have received no answers as to why I am being treated like a criminal and cant get any of my money. I own a car dealership and purchased {$80000.00} worth of vehicles on Friday. Those ACH payments were stopped and Wellsfargo did not let the money come out of my account. This has affected me to stop operating my business of purchasing vehicles because the auction put hold on my account so I can not run my business anymore until the vehicles are paid for which I can not do as my {$140000.00} is frozen with no answers. My business relationships are now getting tarnished because payments are not going through. Not only is the Auction upset with me many other companies that I do business with are upset because payments have not gone through. Ive had XXXX money to live off of. Ive been living on credit cards to pay for gas and food. This is absolutely unacceptable and something needs to be done! I still have had no one tell me anything not even a letter in the mail. This is completely out of line Wellsfargo has been fined for doing this years ago and theyre still ruining peoples lives!
Consumer complaint received 2023-04-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (OK)

I originally went into a contract with XXXX XXXX and sports provided the contract was written as a consumer installment contract not a loan But credit acceptance has reported it as a vehicle finance loan as a finance loan it violates federal contract law in regards to finance charges 1026.4 Finance charge. subsection4 d part 2 ( i ) The insurance coverage may be obtained from a person of the consumer 's choice, and this fact is disclosed. ( A creditor may reserve the right to refuse to accept, for reasonable cause, an insurer offered by the consumer. ) ( ii ) If the coverage is obtained from or through the creditor, the premium for the initial term of insurance coverage shall be disclosed. If the term of insurance is less than the term of the transaction, the term of insurance shall also be disclosed. The premium may be disclosed on a unit-cost basis only in open-end credit transactions, closed-end credit transactions by mail or telephone under 1026.17 ( g ), and certain closed-end credit transactions involving an insurance plan that limits the total amount of indebtedness subject to coverage. 
the creditor as they have told the world they are faild to give me the option to choose to be insured through the finance charges and forced me to find insurance I will settle for no less than destruction of the contract and a full refund of the complete purchase including the downpayment
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TRUIST FINANCIAL CORPORATION (GA)

I have had a credit card with Truist for years. Recently, Truist has begun charging " interest '' on the card even when there is no past due balance. This month, there was no balance carried over from the previous month and there were no transactions on the card at all. Notwithstanding this fact, Truist charged " interest '' on the account. I contacted customer service and could not get a coherent explanation from anyone about why they were charging interest on a card that had no outstanding balance and no transactions. The customer service representative said that " the system charges it '' and that she had no other information or explanation to offer. I suspect that whatever is going on here is happening to others as well and that Truist is counting on the fact that most people do not want to take the time to investigate or complain. Sounds like a consumer class action waiting to happen.
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: CL Holdings LLC (NY)

I am a natural person, i am a living human being, i have rights under 15 USC 1681. 

JEFFERSON CAPITAL SYSTEMS is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the account listed below be remove because According to 15 USC 1681 : I have the right to privacy and i did not give JEFFERSON CAPITAL SYSTEM written permission to furnish this account JEFFERSON CAPITAL SYSTEMS ILLEGAL AND ADVERSRE REPORT ACCOUNT # XXXX
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX is reporting that I was late on 2 payments 2019. The first one that there are reporting is in XX/XX/2019. In XX/XX/2019 XXXX XXXX XXXX is reporting that i was 30 days late on a full payment which is {$400.00} The second payment XXXX XXXX XXXX is not reporting correctly in XXXX of 2019 stating that i am 60 days behind. both are not correct. I have disputed the late payments with all 3 credit bureaus. Also, I have reached out to XXXX XXXX XXXX multiple times.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TransferWise Ltd (OH)

XX/XX/23 Name XXXX XXXX XXXX Home address XXXX XXXX XXXX XXXX, OH XXXX To whom it may concern, I had a wise account with the email address : XXXX They deactivated my account unfairly and they closed any way for me to have access to my wise account, and the money that I had in that account was removed and sent back. Moreover. I need you to assist me in retrieving access to my account. 

If It is found that I made any mistake, I sincerely apologize and I promise to ensure that no problem will occur again regarding my account. I have carefully read all the terms and conditions and I promise to abide by those terms. 
If we are unable to regain access to that account, then I would like to register a new account and I will need assistance to be able to do so. The reason being is Ive already tried to register a new account and it wasnt allowing me to do so. 

The best way to reach me is through my phone number ; XXXX. 

I am more than willing to follow any steps that will enable me to either regain access to my old account or at least be able to register a new account. Once again I sincerely apologize for any mistake I may have done, and I agree to abide by the terms and conditions, by being an astute member of wise services.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

Me and some friend 's went to a gentleman 's club and I used my debit card to purchase drinks there, I never withdrew any cash from the location, and only used it to purchase about XXXX $ worth of drinks. However, next morning, I was charged XXXX $ for the drinks, plus an additional XXXX $ or so by a company named XXXX XXXX. Someone in that establishment is charging people money to a fake company that is listed as a " XXXX. '' On my Wells Fargo transactions. Wells Fargo has looked through the transactions and returned XXXX $ but since the transactions ( multiple totally over {$1200.00} ) we're fraudulent I believe they should return all my funds. Wells Fargo ended up removing the transactions from my transaction history, making it seem as if it never happened, and the remainder of XXXX + XXXX that was transacted on XX/XX/XXXX by Wells Fargo, authorized on XX/XX/XXXX, was deemed a legitimate transaction. I've called the bank and they just said a executive will call me, once they have looked through it again. I know for a fact I did not order any food from the gentleman 's club, I don't even think they serve food and it is highly unusual for an establishment to charge a person 's card under another business entity. It is clearly fraud and I would like my money back. They literally swept the whole thing under the rug and made it seem like this " company '' that charged me wasn't trying to drain my entire bank account, so they can charge me for a smaller amount and get away with it. It's unethical.
Consumer complaint received 2023-04-28
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. (NJ)

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. XXXX XXXX XXXXXXXX # XXXX, .. has 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 2016-03-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (NJ)

In XXXX of 2015 my ex girlfriend stole someone 's checks and cashed them in our joint account. I contacted the bank and asked that they remove me from the account and they said that she must be present for them to remove her. This was impossible to do as I was to have no further contact with her. I filed a claim with the New Jersey Consumer Affairs Division and they referred me to the New Jersey Department of Banking. The did nothing to resolve my issue in removing me from the bank account. The bank has now put me in collections for the total amount due and I do not owe this she was the one who stole the checks and cashed them. If they would pull the security footage from the ATM Machine that she used it will show her doing it. I have copies of the checks and it is her handwriting on them. At the time I was away from my home and did not have anything to do with this.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Park Hill Holdings (NY)

On XX/XX/28 I was denied for my old milestone credit card ( which Ive made payment on in a settlement agreement ) XXXX XXXX housing property XXXX said it was listed on my credit report as a landlord tenant. The system XXXX XXXX Renewal Uses is Safe rent solutions and they provided me with a copy of the report and told me in their system it is shown as a credit card but XXXX XXXX denied me and listed as tenant/landlord. That is NOT a tenant/landlord is is a Credit Card and XXXX XXXX XXXX XXXX their system identifies it as a credit card and they dont know why XXXX XXXX put it as landlord lord tenant and they couldnt call XXXX XXXX to tell them I would have to. 

So XXXX XXXX denied me incorrectly. I called to speak to a XXXX to rectify this ( see screenshot of phone call ) and the representative told me there wasnt XXXX available.
Consumer complaint received 2023-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The statute of limitations on debt in the state of Tennessee is six years. This means that if a debt has not been repaid in six years, the lender can not sue to collect the debt. 


Charge offs are considered income according to the IRS, I never received a 1099c from this company although the debt has been sold to a third party company. Income is forbidden to be on a consumer credit report according to congress 15 ISC 1681-2 ( a ) ( i ) No transactions or experiences are allowed to be on a credit consumer report.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (VA)

I've contacted Affirm and they said the information they are reporting is correct ; that is false as I have evidence to prove it. In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Section 602 states the consumer has the right to privacy. 15 USC 1681 Section 604 A section 2, it states a consumer reporting agency can not furnish an account without my written instructions. I did not give Affirm or any consumer reporting agency written instructions to furnish or report this on my report. 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Affirm has stated on their website via the Help Center in the Affirm and your credit score section that if a consumers loan repayment activity is reported to a credit bureau, the entire loan history will be reported. That is inaccurate as only my late payments were reported to XXXX and not the entirety of the loan. Per the FCRA, inaccurate or incomplete information must be deleted or corrected. I have attached and highlighted the section from their website stating the above and screenshots of my payment history via XXXX which clearly has only my late payments listed and not the entirety of the loan repayment history which they have stated on their website. I am requesting DELETION of the following late payments as this is severely hindering my financial progress to provide a better life for me and my family. 

Lastly, I missed payments for the month of XXXX. Per my XXXX credit report nothing is listed for the month of XXXX and all late payments are in XXXX and/or XXXX which for those months I made full payments. This is also inaccurate information being reported. The adverse accounts are listed below and evidence is attached with this email as well. 


Affirm acct # : XXXX Affirm acct # : XXXX Affirm acct # : XXXX Affirm acct # : XXXX