davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

Requested Experian delete the account from XXXX XXXX. This account is inaccurately reported with monthly charge-offs, potentially re-aging debt illegally. This constitutes a direct violation of 15 U.S. Code 1681e ( b ), necessitating it's removal.
Consumer complaint received 2019-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

In XX/XX/2019 I consolidated all of my XXXX student loans with XXXX servicing. The new loan appears accurately on my report. However, my 12 XXXX loans appear as follows : {$0.00} balance, paid, current and closed. 
I am seeking the removal of all closed and late patents connected to these accounts if possible. 
I reached out to XXXX but they said that I had to contact the credit bureaus for further information. I have sent letters to the three major bureaus in XX/XX/2019. That above status remains. 
Im simply needing clarification or the removal of the accounts along with any negative reporting/late payment history that is now current.
Consumer complaint received 2024-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (MD)

Contacted Discover Bank to report I lost my wallet with my debit card and identification inside. The bank kept asking me for my ID or passport which I didn't have either. Spoke to XXXX in the security dept to verify my identity. She suggested I do a wire transfer to an external bank because the XXXX  feature kept locking me out of my checking acct. I spoke to the wire transfer dept. after XXXX assured me no further Identification will be necessary we get to the end of the wire transfer process the rep XXXX tells me my ID may be necessary to complete the process. I told her why didn't security employees know about issue of an being necessary to complete the process.By this time I on the phone for over a hour XX/XX/XXXX starting around XXXX. I get a notification saying " Your All Set '' I get a confirmation number confirming the wire transfer was successful. XXXX in the wire transfer dept tells me she sorry but it didn't go through and I going to need either a State ID or passport to access my money. The bank puts a lock on my account.The new Debit card is scheduled.to be mailed to me on XX/XX/XXXX. I have no food to eat I am also XXXX and received a direct deposit from my employer on XX/XX/XXXX. I'm left with no money no food I explained my medical condition XXXX need food as well as my medication refilled They became more nasty to me each time I called back. Thanks, XXXX.
Consumer complaint received 2024-08-26
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: General Motors Financial Company, Inc. (CA)

Consumer Financial Protection Bureau XXXX : Formal Complaint Regarding Debt Collection and Validation Practices for GM Financial and XXXX XXXX XXXX XXXX Dear XXXX, I am filing a formal complaint against GM Financial and XXXX XXXX XXXX XXXX XXXX XXXX regarding their debt collection and validation practices. 

Companies Involved : GM Financial and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX Background : On XX/XX/year>, I requested the following information from GM Financial and XXXX XXXX XXXX XXXX XXXX XXXX XXXX mail : XXXX. A detailed history of all payments made by me on this account, including dates and amounts. 
XXXX. A copy of the original contract with the original creditor, GM Financial, showing my signature. 
XXXX. Proof of my signature on a contract guaranteeing payment to the original creditor. 
XXXX. Any documentation regarding insurance claims filed on this debt, if applicable. 
XXXX. Proof that they have the chain of title to collect on this debt, including documentation of the transfer of the debt from GM Financial to XXXX XXXX XXXX XXXX XXXX 

As of XX/XX/year>, the company has not provided all the information I requested. Additionally, I have noticed a negative impact on my XXXX XXXX due to this issue which is defaming and impacts my ability to secure credit with reasonable interest rates, as reflected on my credit report.
Consumer complaint received 2024-10-05
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. (WV)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


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 XX/XX/XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: OneMain Finance Corporation (WI)

I have had the car loan since XX/XX/XXXX. From loan beginning, up through XX/XX/XXXX, I have paid a total of {$5000.00}. Of this amount, only {$1100.00} has been applied toward the principal. That is barely 23 %!!! Or worse yet, thats 76.7 % interest! I do understand that in the beginning of a loan, much of your interest and loan fees are whats being collected. However, my rate ( while deathly high ) was supposed to be 32 %. And that is one year and a half of getting nowhere with this loan. One payment of {$300.00} had XXXX cents applied to the principal. What is happening here, and HOW are they allowed to do this?? Also, their lending fees are outrageous. 
Is this predatory lending practices???? 
I have included 3 statements, but I do have all of them.
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. CITI 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: WELLS FARGO & COMPANY (WV)

XXXX, XXXX, experian. list a wells fargo credit card and XXXX XXXXXXXX XXXX credit card i have never had either one of these. I do have a mortgage through wells fargo. wells fargo credit card XXXX, XXXX  XXXX XXXX card unsure of amount but says late. neither card i have no knowledge of. i have filed disputes. will not remove and they say they were opened in XXXX but then will say its XXXX XXXX XXXX and it makes it look like this is a new account i am late on. the wells fargo and XXXX XXXX XXXX have been reported these are not my accounts and it is strange it is just now showing up on my report. i have never been contacted by them.
Consumer complaint received 2024-08-27
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/XXXX, I spoke to the bank ( Wells Fargo ) connected with the credit card about the high amount of interest applied to the credit card. I explained to them that I was told by XXXX XXXX XXXX that interest would start after a year and the bank told me that it is a years worth of interest instead. The bank told me to contact a retail card number with them. I contacted Wells Fargos contact number on XX/XX/XXXX and was told that I need to contact the company the card is with. I contacted XXXX XXXX furnitures customer service line right after. I explained the issue and was told its not something they can help with. I asked for a XXXX department and was told that they dont have XXXX and to contact my local store. The local store does not have access to the financial component of my account. Ive been told prior to call the hotline. At this point, Ive received no support other than a run around.
Consumer complaint received 2024-08-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Scott Fetzer Financial Group Inc. (TX)

I was contacted by XXXX XXXX about canceling my XXXX timeshare and agreed, believing they were affiliated with XXXX, as I had recently inquired about canceling. On XX/XX/XXXX, I was charged {$170.00} by XXXX XXXX. 

A year later, still under contract with XXXX, I contacted them and discovered they had no affiliation with XXXX XXXX. XXXX informed me I could have canceled directly with them at no cost. 

Despite my repeated attempts to cancel with XXXX XXXX, including contacting XXXX, I received no response. Over the past 11 months, I have been charged {$170.00} monthly, totaling {$1900.00}. On XX/XX/XXXX, I was notified that a debt of {$4400.00} was reported to my credit by United Consumer Financial Services, showing only 30 % paid off. I did not authorize this loan ; it appears XXXX XXXX took it out in my name without consent. 

My husband, a veteran in his late XXXX, and I, in my late XXXX, were scammed. I was unaware I could cancel directly with XXXX for free. XXXX XXXX has charged me monthly fees while repeatedly asking for more money and information, despite my full cooperation. They only partially canceled my XXXX timeshare and continued to ask for more, leading to frustration and eventual cessation of payments. 

I request that this fraudulent debt be removed from my credit report with XXXX, XXXX, and XXXX immediately. The unauthorized loan violates my rights under the Truth in Lending Act ( TILA ), and the Fair Credit Reporting Act ( FCRA ), and may constitute unfair practices under the Fair Debt Collection Practices Act ( FDCPA ). As a result, my credit score dropped from a perfect score to XXXX, a decrease of XXXX points. 

I expect this issue to be resolved and the debt removed from my credit report within 30 days. If not resolved, I will consider further legal action. Please provide written confirmation that the loan has been voided and my credit report corrected accordingly.
Consumer complaint received 2023-10-28
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: DISCOVER BANK (TX)

I was added to the Discover Bank XXXX as an authorized user XX/XX/2023. The XXXX ended XX/XX/2023. The XXXX Cycle started XX/XX/2023. 

I first pointed this information out to Discover and asked them to remove the delinquent entries. 

I then educated myself and DISCOVERED ( pun intended ) that it is a violation of the law [ 15 USC section 1681a 2 ( A ) ( i ) ] for Discover Bank to report late payments as delinquencies after assessing late payment fees. These paid fees makes the payments transactions. No creditor or credit bureau is permitted to report transactions. 

I asked Discover Bank, and each respective bureau that Discover reports to, to reverse the late payment entries to okay or paid as agreed. 
Instead, Discover Bank added OK to the previous month preceding the two months that the false and illegal late payment entries were submitted.
Consumer complaint received 2024-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (AZ)

Truist Bank Error Summary : Details : Mortgage Lender ( Truist ) is responsible for making my Insurance Payment out of Escrow which they said they did 3-times but can not show proof ( requested 3-times ). Supervisor from their 3rd party escrow division responsible for making my Insurance payment stated on XX/XX/year> that they were given incorrect Insurance information by Truist bank and they made multiple internal requests to Truist Bank for correct insurance information that went unanswered. Truist is responsible for providing their Insurance Division my correct Insurance Information so payment is made on time. Truist supplied inaccurate information to their insurance counterpart and did not respond to multiple requests from their Insurance Division for correct information resulting in my Insurance Policy lapsing. 

Financial Damage : Previous Policy expired on XX/XX/year> {$930.00} per year. 
I have called 3-Insurance Companies : ( 1 ) would not offer Insurance because I do not have insurance ( XXXX ). ( XXXX ) XXXX XXXX {$2400.00}. ( XXXX ) Awaiting a quote from a local insurance service ( shopping various providers ). 
Total damages will be quite significant : Attorney 's Fee 's and {$1400.00} per year estimated difference on above ( XXXX. XXXX difference {$1400.00} x XXXX = {$29000.00} ). 

Final attempt to resolve after 15-20 hours on the phone over past XXXX months : XX/XX/year>. XXXX stated their committee looked at this issue and Truist is not to blame. 
Truist is the only one 100 % responsible for this error and should be held liable. 
____________________________________________________________________________________________ Results : Truist supervisor claims a committee discussed my issue and resolved that Truist was not at fault even though they are responsible for making my Insurance Payment. I was told my only option is to get new Insurance since Truist let my policy lapse which will cost me almost triple from {$930.00} to {$2400.00} per year. I had previously spoken with two other Supervisors ( XX/XX/year> & XX/XX/year> ) who admitted Truist was 100 % to blame for the error. I inquired where and whom I should go through to start legal proceedings and he told me to have my lawyer call.
Consumer complaint received 2024-08-25
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: CITIBANK, N.A. (OH)

on or around XXXX XX/XX/2024 I went to Co-sign for a car for my daughter and the dealership Called to verify my identity that my social security XXXX was on the XXXX XXXX. I found that I had XXXX different names & several addresses similiar but not correct- several disputes filed a ftC report Iocal police department doesn't make identity reports. Several random credit card chargeS that have been resolved with the credit card companies however closed my accountS without my consent due to a drastic drop score and balances inquiries that weren't mine. XXXX XXXXXXXX XXXX XXXX XXXX XXXX and now several loan XXXX credit application denials all of which are not mine. I got another alert on XXXX XXXX about my social security XXXX on the XXXX XXXX. I have placed a credit freeze and there are still some wrong a adresseS on my report. I have always paid my bills via cntodeduct and on time and my bank has refused some due to freeze. Leaving me with a huge mess and Inconvenience and bad credit. I need help with restoring my Credit asap
Consumer complaint received 2024-08-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (TX)

Made several requests in the past asking to lower my monthly payment with XXXX low interest rate to have a reasonable and affordable monthly payment, because Sallie Mae issued several accounts with different interest rate. This is my XXXX or XXXX complaints about the Bank dismissing and ignoring my situation especially in my last complaint where I clearly stated that I am caring for my aging parents with severe health conditions. Il seems like all what matter for the corporations is money and wealth and have low to zero consideration for human factor and dignity. Their treatment to my case is a clear and obvious behavior of selfishness and arrogance.
Consumer complaint received 2024-08-25
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I was approved for XXXX XXXX  back in XXXX. I had it to where the money would go to the nc des debit card with bank of america. I never recieved the card, I called several times in regards to where my card was located. All i was told was that it was mailed to me. Turns out either it never made it to my mailbox or someone stole it. Now my entire unemployment funds have been used. I called bank of america to report it, I submitted docutments to show that during a duration of the time i wasnt even in the same state that the card was being used in. I was in a different state giving birth. Bank of america instantly denied my claim. told me i had XXXX days to turn in doucments, they never mailed me any letters in regards to who and where i had to send these documents to. I had to call and have a repersentive give me the fax number. I orginally filed my claim for fraud on XX/XX/XXXX and XXXX days later I was told that it was denied. 
I asked to have it reopened sent over the nessecary docutmentions, XXXX day later they denied my claim. Ive provided sufficient documentation regarding this claim. They spilt my XXXX claim into XXXX separate claims and only approved XXXX claim. Which makes no sense to me being that it was XXXX claim and I filed it as XXXX claim. 
Ive called several times and sent documents in on multiple occasions and they still denied my claim even with me showing proof that I wasnt even in the same state for weeks. 
I feel as if they instantly denied my claim without actually doing any investigating.
Consumer complaint received 2024-08-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a customer at Bank of America. I sent {$1000.00} to XXXX today, XX/XX/XXXX. 
USD to XXXX XXXX Rate today is ( As per XXXX ) : XXXX XXXX XXXX : XXXX ( XXXX ) XXXX As of XXXX XXXX XXXX XX/XX/XXXX I was given a exchange rate of XXXX USD = XXXX XXXX That is almost 3 % of the total amount. 
They never disclose during the transaction what is their rationale behind this low exchange rate. 

This is defrauding the unsuspecting customer.
Consumer complaint received 2024-08-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CT)

A refund in the amount of {$33.00} from XXXX XXXX was submitted to my coinbase card XX/XX/year> upon logging into coinbase a pop up says coinbase is experiencing delays with refunds meaning they have received notification of my refund coinbase has been saying this for months and people have not received their refunds for months up to a year
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Was new customer. Open a checking account with company ( Huntington Bank ). They close my account without proper cause. Account was open on XX/XX/year> and closed on XX/XX/year>. A direct deposit amount of XXXX was deposited into the account on XX/XX/year> from employer ( XXXX XXXX ). Attempted to withdraw the amount in side branch. Was told that they couldnt release the funds. Account was closing and a cashier check would be mailed to me at the address I provided. Reached out numerous of times XX/XX/year> XXXX at XXXX spoke to someone by the name of XXXX XXXX who stated she will note the account and my cashier check should be on the way. Spoke to someone on XX/XX/year> at XXXX by the name of XXXX who also stated he will note the account and will reach back out to me in regards to the matter. Spoke to a supervisor on XX/XX/year> who said I should have received it however she could see that it is still in on hold in the close account. I have had hardship and went through a XXXX XXXX regards to this matter
Consumer complaint received 2023-08-16
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. (GA)

To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 
I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX