davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo Auto Loan opened XX/XX//23. 
On a monthly basis for the last 6 months I have been paying an extra {$500.00} to pay down the principal. As directed by Wells Fargo I have called a few days after each monthly payment was posted and asked that the extra XXXX be used for the principal payment. No issues until today when the team leader for Wells Fargo explained they do not do this anymore unless I sign up for Auto Pay. Well, with the numerous phone calls no representative had informed me of this change in policy. She said a letter was being sent out. I asked how can you implement a policy without communicating the change in policy. Wells Fargo can play back all my recorded calls as they did not do due diligence in this matter. I asked to speak to a XXXX but they were unavailable.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is the Federal Trade Commissions opinion regarding this type of account Section 607 ( b ) of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' I submitted a dispute directly to Experian regarding my account with XXXXXXXX XXXX XXXX This account has been paid in full as agreed w/ creditor in full and yet is STILL showing a balance. 

This is Experian 's response " The dispute for the account with XXXXXXXX XXXX XXXXXXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. '' In this case both Experian XXXX XXXX bank are in violation of FCRA as XXXX. Experian did not follow reasonable procedures to assure maximum possible accuracy and XXXX. XXXX is reporting inaccurate and incomplete information. 

Reasons : XXXX. Experian was informed by me that this account was paid in full/ settled in full and is inaccurately reporting a balance. This should be very simple to verify and had they followed " reasonable procedures to assure maximum possible accuracy of the information '' this balance, erroneous payment history and erroneous account status would not still be showing there. 
XXXX. XXXX reported a settlement payment as a regular payment ( while still leaving all derogatory statuses and late payment ) and a statement balance after receiving a settlement payment bringing the account to a current and final status where there is no remaining collectable debt.
Consumer complaint received 2023-02-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc. (FL)

GLA COLLECTIONS : last reported against me on XX/XX/XXXX. They opened a fraudulent account against me over a year ago for {$1500.00} CALLED XXXX which theyre already tried to collect from as an existing account. 

GLA COLLECTIONS : LAST REPORTED AGAINST ME ON XX/XX/XXXX for an additional fraudulent account CALLED XXXX FOR THE AMOUNT OF {$1100.00} GLA COLLECTIONS : CHARGED ME {$1000.00} opened XX/XX/XXXX again CALLED XXXX - THEY DUPLICATED THUS AMOUNT TWICE TO DAMAGE MY CREDIT AFTER THREATENING IT ON HARASSMENT PHONE CALLS DAILY. Its mental abuse. 

THIS COMPANY CAN NEVER PROVIDE THE CORRECT INFORMATION OR CAN EVEN TELL ME WHERE THIS DEBT CANE FROM. 

GLA COLLECTIONS IS DESTROYING MY ENTIRE LIFE AND IM ONLY XXXX! Please help me.
Consumer complaint received 2024-04-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (CA)

I am trying to payoff an end-of-lease payment with GM Financial. However, when receiving the end-of-lease statement it contained XXXX charges that should not be charged to me ( 1 ) the disposition fee which was once removed then added back - I qualify for this waiver because I purchased a new GM vehicle ; and XXXX 2 ) the Condition Report containing a {$170.00}. charge ( and associated taxes ) for a part that *did not* come with the car. 

I have called GM finance multiple times ( for example, on XX/XX/2024 spoke to Agent XXXX - then a few days later spoke to " XXXX XXXX' agent XXXX - then about a week later yet another agent after having no resolution to my online filed complaint, as well as multiple emails to XXXX ( requested by GM Finance ) to resolve this. GM each time said I would be contacted within XXXX business days but this never happened. The last agent I spoke with said the records indicated I requested *not* to be called, when in fact I asked the opposite - for someone TO CALL ME to resolve these issues. 

In the emails to XXXX I included a copy of the window sticker of the car, indicating the part billed to me was never included with the car. 

Finally, I have *no statement* ( online or written ) showing what the charges billed are being billed for, and why I am supposedly " two days late '' when the lease end date is XX/XX/2024 ( today is XX/XX/2024 ). The phone hours posted on the GM website are incorrect and I can not leave messages or get any help on XXXX.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Sent letters to Experian through USPS XXXX XXXX asking to remove XXXX XXXX acct XXXX Then I sent another letter XXXX XXXX askjng for proof that they investigated and found the information they are reporting to be true and they havent responded in the 30 days. They havent removed the false information from my credit.
Consumer complaint received 2024-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (IA)

PayPal credited my debit account for XXXX transactions that PayPal had already deemed to be unauthorized. PayPal then reversed their decision without explanation or justification and for which our my debit account into a negative balance of {$31.00}. I disputed this with PayPal and their response was that my dispute was a duplicate and refused to address my dispute any further. PayPal has since turned this understudied debt over to a collector named XXXX XXXX XXXX XXXX. XXXX register to address my account because they do not '' own the debt anymore '' and the collection agency refuses to address my issue also
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

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 U.S.C. 1681. 
XXXX. XXXX  XXXX XXXX XXXX # XXXX 15 U.S.C 1681 602 A states that I have the right to privacy.

15 U.S.C. 1681 604 ( a ) ( 2 ) It also stats that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 C ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information other than adverse item of information and other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 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 2024-07-12
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: ALLY FINANCIAL INC. (NY)

Hard inquiries on credit reports that I dont recognize. Im getting dozen of weird emails with different links from all over the place scamming is at a all time high and those false inquiries are altering me from progressing in life the way that I deserve to be.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MS)

This Loan account has been paid and closed please remove from credit report. 

XXXX XXXX XXXX  XXXX  POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Original Balance {$17000.00} Highest Balance-
Consumer complaint received 2023-09-13
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: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a complaint last XX/XX/XXXX and it was closed immediately. I submitted a complain again last XX/XX/XXXX and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. How can CFPB closed this complaint and said it has already processed earlier complaints about my problem. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

On the XXXX of XXXX, I suspect a hacker electronically deposited a fraudulent check into my Wells Fargo checking account from an ATM in Virginia. The money was loaded onto my XXXX XXXX account and forwarded to an unknown individual. The check subsequently bounced three days later. I bank with XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX. This particular account with the suspected fraud is a Wells Fargo student checking account, and it has had upwards of {$11000.00} in that specific account at once, and I don't pay it too much, mind. However, I noticed something was wrong when XXXX dollars vanished from my bank account almost instantaneously. I knew something was wrong because I was about to pay off some of my credit card debt, and my company denied my payment. That was when I logged into my checking account and noticed all my funds had been withdrawn, and there were two instances of fraudulent transactions on my account. Someone had hacked into my account and then hacked into my XXXX XXXX account to load the money and send it. I immediately notified Wells Fargo and XXXX XXXX that fraud was occurring. When I filed the claim with XXXX, they instructed me to take my card off the app and talk with my bank to resolve the issue. They also admitted that someone might have accessed my account unbeknownst to me since I don't have two-factor authentication set up yet. I reached out to Wells Fargo. They started up a claim and, in the process, issued me a new card and suspended my account while they " Investigated. '' They told me it would take up to 10 days to determine a resolution. I called three days ago for an update on XX/XX/XXXX. I called, and the first lady I spoke to said they determined that I was at fault and made the transactions, which is false. I live in Texas and have never been to Virginia. I don't have any family and don't know how I would access an atm over there. I live in Texas, and I am a college student in Texas. 
Furthermore, I didn't make the deposit, which is the most paramount fact about this situation. I was then directed to another number to call, the fraud claims department, where I spoke with another woman who said that my claim hadn't been resolved. They were still undergoing the investigation process, and a resolution would be determined by XX/XX/XXXX, which is the end of the 10-day timeline. I don't know what to believe, and I have two conflicting accounts from individuals from the same company.
Consumer complaint received 2024-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Fay Servicing, LLC (CA)

On XX/XX/XXXX I called Fay Servicing and spoke to XXXX a manger in their customer service department, to resolve a dispute regarding late charges of {$1300.00} on my loan. I have been on ACH for a few years, having my payment come out on the XXXX of the month. A payment in XX/XX/XXXX, was returned however we never got notice of it in the mail and definitely NOT on online since we enrolled in their paperless notifications. I have attached a screenshot of the online documents they sent to me and nothing was sent to remind us of the late payment, nor that we were past due, nor did we get a call from their collection department team to inform us of this matter. I informed XXXX this and she stated they tried calling me. We have checked the phone records and didn't get a call from Faye and since this was a robo call, we also checked for repeat calls from a unnamed number for the last few months and found there was none. I informed her that we did not get notice since they have defaulted my notices to paperless and XXXX would not do anything to assist. She did waive one late fee per their policy but the issue would have been resolved, if we would have been notified of late fee, let alone charged for many months of late fees would not have happened.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

After my account had been paid off and closed, a few months later a remark was placed on my report stating Potentially Late. They asked to sign a document for a late payment to be added at the end of the loan so it wouldnt show up as a late payment. This was done four years ago. So how can they post this statement on my report if they asked me to comply and it was paid in full?
Consumer complaint received 2024-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-04-19
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Collection Management. Inc (VA)

I was very shocked when I recently checked my credit score and found an inaccurate collection balance through " CONSUMER COLLECTION MN '' ( Original creditor : XXXX XXXX XXXX  ) for {$6200.00}, when I left the apartment complex on XX/XX/year> with a confirmed XXXX balance. This is negatively affecting my credit score and doing damage to me. 

To make sure to cover ourselves after leaving this XXXX XXXX, the other person and I on the joint account saved a copy of the final account statement ( on XX/XX/year> ) and written confirmation ( on XX/XX/year> ) from their payment account management system ( XXXX ), which was for all account balances ( rent & utilities, etc. ) that we were fully paid after moving from this XXXX XXXX. 

We received confirmation that we had a XXXX balance, but a few months later, we were falsely sent an outrageous and inaccurate bill for {$6200.00}, while they continued to falsely bill us for months after we had left and turned the keys over to their staff. 

The XXXX XXXX and then the collection agency sent bills to us for a few months in XXXX, but they stopped when the joint account holder contested the inaccurate balance and had it removed from his credit history. So, I assumed that the inaccurate balance had been removed from my credit history as well, but they never removed it from mine. 

Even though I have contested this through the 3 credit agencies and contacted the collection agency, they are denying my request to have this inaccurate balance removed from my credit history.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

Subject : Request for Immediate Deletion of Closed Accounts from Credit Report in Accordance with FCRA Laws To whom may concern, I am writing to formally request the immediate removal of closed accounts from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified several closed accounts that are no longer accurate representations of my financial standing. These accounts have been fully paid off and are no longer active. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information contained in consumers ' credit reports. Section 611 ( a ) ( 5 ) ( A ) of the FCRA states that information that is inaccurate or can no longer be verified must be promptly corrected or deleted from the consumer 's file. 

Therefore, I request that you remove the following closed accounts from my credit report immediately : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Closed : Reason for Closure : Terms met account is paid 2. XXXX XXXX XXXX Account Number : XXXX Reason for Closure : Terms met account is paid 3. XXXX XXXX XXXX Account Number : XXXX Reason for Closure : Terms met account is paid Enclosed with this letter are copies of relevant documents, including proof of payment for these closed accounts. I trust that this documentation will assist you in promptly processing my request. 

I am fully aware of my rights under the FCRA and expect the credit bureau to comply with its obligations to ensure the accuracy and fairness of my credit report. Failure to remove these inaccurate accounts may result in a violation of the FCRA. 

I kindly request that you provide written confirmation once these accounts have been deleted from my credit report. Additionally, I would appreciate any updates or information regarding the status of my request. 

Thank you for your attention to this matter. Should you require any further information or clarification, please do not hesitate to contact me at the above-listed contact information. 

Thank you so much for your time.
Consumer complaint received 2024-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Someone that was not me must have applied for a credit card and caused a hard incury on my report. This request for credit was not me and I feel its identety theft as I did not apply or requested any credit from this company.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Experian credit agency Despite having an account where I have frozen and unfrozen my reports Experian website no longer recognizes my birthday and social XXXX  so I am unable to login. Their automated answer system is not able to help ; I have spent XXXX  hours over XXXX days trying to contact a XXXX  agent.
Consumer complaint received 2024-04-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

XXXX XXXX states that it verified that I was notified on a legally binding document making the claim that they mailed a letter to me on XX/XX/XXXX that I never received. 
This is in regards to the results I received via CFPB # XXXX via CFPB portal on XX/XX/XXXX. 
Therefore, I am officially requesting that your organization provide verification of delivery of that notice such as the tracking number that your organization used to verify as ( PROOF ) : that you sent such notice on XXXX XXXX that you state was full complete validation in accordance with the Fair Debt Collection Practices Act. 

I was not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet you placed a collection on my credit report.

I was not given the chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). 
XXXX XXXX is violating my consumer rights by using false misleading misrepresentation and deceptive means. 

Portfolio Recovery has no authority to furnish this account to a consumer reporting agency with my name and non public personal information to consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s2 ( 7 ) A.