davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY (IL)

In XXXX, we applied for a home mortgage loan modification with Wells Fargo and while the modification was accepted, the new monthly payment amount determined was higher than what we had been paying, and as a result our house went into the foreclosure process. Over the next five years, we tried to work with Wells Fargo to remedy the issue so we could keep our home, but as a result of their deceptive practices, we had to sell our house in a short sale in XXXX and move our family from the home we had loved for 12 years. 

On XX/XX/XXXX, we received a check for {$200.00} from Wells Fargo with a letter saying that " during a review of the account, we identified that when the loan was considered for payment assistance options, an error may have occured. '' It's our understanding that as of XX/XX/XXXX, Wells Fargo mortgage holders that were part of these fraudulent practices are being awarded an average {$24000.00}, not {$200.00}. 

Wells Fargo has not been helpful in resolving this or providing any information as to why we only received {$200.00}.
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (TN)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$19000.00} ; XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX.
Consumer complaint received 2023-01-12
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: Experian Information Solutions Inc. (CO)

XXXX XXXX, On my Experian credit report, it still shows an old address reporting on my credit report. This old address is listed as XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have not lived at this address for over XXXX XXXX  and I would like this address to be completely removed from my credit report. Also, there is a bankruptcy still reporting on my credit report on Experian. It has far exceeded the reporting timeframe and should be removed as well. Also, there is a secured XXXXXXXX XXXX XXXX thats being reported on my credit report. At the time when his account was originally opened, I gave a {$200.00} security deposit. Since the account has been charged-off, its still reporting a balance of {$210.00}. However, XXXX credit card kept my security deposit of {$200.00} so theoretically my balance to only be {$18.00} not {$210.00} which is completely inaccurate.
Consumer complaint received 2023-07-08
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. (AZ)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-12-13
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc. (AZ)

I had the same company for my business for over XXXX yrs never late on payments I guess at some point when I was having a problem with their product they solved the problem over the phone after a few months the fix that they came up with still wasn't working so I decided to go with another company after I canceled they informed me that when they fixed my problem over the phone that I was agreeing to a new 3 year contract. I guess somewhere in the fine print that I agreed to over the phone stated the new contract but I feel that such a thing as a contract should be explained and you should know exactly what you are signing. In the end I spoke to the as all of the charges they want me to pay are early termination fees I feel as though I was roped into this contract
Consumer complaint received 2022-11-08
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. (NC)

My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX Apt XXXX XXXX NC XXXX. I am a XXXX XXXX XXXX veteran the credit reporting company 's like Transunion, XXXX and XXXX have misused my credit report. My identity has been misused and they haven't removed or deleted any inaccurate information from my credit report. i have sent them proof of my address and i have sent them my police report and bank statements. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

I spoke with XXXX Customer Service which was the 3rd agent I have spoken with today in regards to ordering a card and having the erroneous late fees removed. 

Both XXXX and the other agent who transferred the call to XXXX advised that Synchrony has a process of submitting " a missing statement dispute '' which can take up to 60 days to determine why statements are not being received. 

This is a perfect example of the crazy hoops that Synchrony puts customers through to ensure they do not reach timely resolutions. XXXX and the other other agents couldn't see current payments in their system, they couldn't see if a card was ordered by a previous agent. Lastly, XXXX couldn't identify who transferred the call to her as in the department. She was actually asking me to tell her what was done on the account. 

Although I wanted to pay the balance in full, XXXX could not help.
Consumer complaint received 2024-03-24
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (TX)

I am a One Main Financial customer and I am a victim of their deceptive sale practices. These option products are on my current loan as well as the previous loan in which I paid off. I was told each time that I would not be able to receive the loan unless I add the options products.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I have a checking account with Citizens Bank. I have reached out to them and spent over an hour on the phone asking them to allow me access my transfer history on this account. I was unable to get the help I need. They pretty much said they can not help. I have a recurring transfer that I need to edit. I would like to change the amount of the monthly recurring transfer. This transfer is initiated from Citizens bank to an external account every month. I initially set up the transfer as an investors bank customer. Since my account was transferred to Citizens Bank, Ive been having trouble getting access to my account details. For whatever reason, Citizens Bank has been unable to resolve this issue. They have full control of my details and I am unable to make changes as I see fit. This is cause of concern for me. I have tried to get see my transfer details using the banks online platform, using different browsers, XXXX XXXX XXXX XXXX Im out of options, Id like access to all activities in my account. The bank is unable to resolve, so Im reaching out to the CFPB.
Consumer complaint received 2022-11-08
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. (NC)

My name is XXXX XXXX XXXX my address is XXXX XXXX XXXXXXXX XXXX  XXXX XXXX NC XXXX. I am a XXXX XXXX  XXXX veteran the credit reporting company 's like Transunion, XXXX and XXXX have misused my credit report. My identity has been misused and they haven't removed or deleted any inaccurate information from my credit report. i have sent them proof of my address and i have sent them my police report and bank statements. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PR)

They stole my identity and opened accounts which I am disputing and requested an independent investigation which they did not send to me and they did not delete the accounts from my credit report. These are the accounts Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I called today XX/XX/2023 to report fraud on my account, after the call was verified was trasnfer to another department and the teller " XXXX '' denied me the right to report fraud on my account saying that first I need to send my passport and XXXX utility bill. 
Im not going to send any personal information through the fax. 
So first I need to claim agains the bank due denying my right to report fraudulent activity on my account violating the national law about this that allows me to report this triugh the phone, on person or by letter. 
Second need to open the claim agains the transactions made in XX/XX/XXXX and XX/XX/XXXX. 
I received a notification ( email ) on XX/XX/XXXX " suspicious activity '', so i press NOT AUTHORIZED. 
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  I did not authorized those transactions, I noticed that my car was lost when I get the email alert.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (AZ)

I received my credit report last month and notice some discrepancies. In accordance with FCRA section 611 and sec 623 the above and below companies mentioned violated my consumer rights : The amount ( s ) owed are no longer outstanding for the following items Party Owed : CREDIT COLLECTION SERVICES AMOUNT : {$130.00} I did not authorized these inquiries UNAUTHORIZED INQUIRIES XXXX XXXX ( FINANCE ) XXXX, 2023 XXXX XXXX ( BANK ) XXXX, 2023
Consumer complaint received 2022-11-08
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. (NY)

am a natural person. i am a living human being, i have rights under 15 usc 1681 equifax, XXXX, XXXX  is govern by 15 usc 1681 and they violated my right numerous of times. i demand the accounts listed below be remove because accoording to 15 usc 1681 : i have the right to privacy and i did not give any of these financial institutions written permission to furnish these accounts you also violated 15 U.S. Code 1681n - Civil liability for willful noncompliance sent your companies a copy of my ftc report, YOU NEED TO TRAIN YOUR REPRESETATIVES BETTER HOW IS IT 6 REP SAYS THEY GOT IT AND YOUR SUPERVISORS SAY THEY CAANT SEE IT
Consumer complaint received 2018-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/18, I booked a hotel room with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX XXXX, Florida for 2 nights. 

Unfortunately, due to the XXXX XXXX on the coast of XXXX XXXX at the time of my scheduled stay and exhaustive research of the conditions warranting voluntary evacuations of the area, it was no longer safe to travel to the area. 

On XX/XX/18, I spoke with someone at the XXXX XXXX number provided in my confirmation email about the conditions of the area. 

After conversation with her, it was in agreement that it was unsafe to travel to the area and, despite the original booking terms, my reservation would be canceled AND refunded. She entered a cancelation code she referred to as XXXX, which she stated was weather related. 

She stated I would receive an email letting me know my reservation was canceled, and no further actions were necessary on my part. I did have a witness, a member who would have been present for my reservation, on the line during this phone call. 

After several days with no monetary return from the XXXX company, I made another phone call. 

At this point, the person from the 1-800 number spoke with XXXX at the local hotel who stated she was in charge of the monetary return and she had made the decision not to return the funds. This person did inform me they had listened to my recorded call from XX/XX/18 and did, in fact, hear that I was told I would receive a refund. 

I decided to reach out to XXXX myself. She gave me the same information. She told me she made the personal decision to not return my funds based off of their cancelation policy. I told her I understand their policy however, the reason for cancelation was out of my hands and I was promised a refund. 

I was offered a credit for a future stay with them, but given their lack of professionalism, I have no desire to stay with an organization who has pocketed {$1000.00} of my hard-earned cash during a time when I am planning my wedding. This is unethical, and quite frankly, just wrong. I never stayed at their organization, therefore they have literally pocketed my money and I have received nothing but a headache and heartache. 

I have disputed this charge with my bank, Wells Fargo, who I have banked with for the past 15 years. After issuing me a provisional credit, they determined they could not help me and have since retracted the credit. 

I would like to think after doing business with a financial institution for 15 years, I could trust they would back me in an unfair situation such as this. 

Any guidance you may be able to offer so I can retrieve my hard-earned money in this unfair situation would be so greatly appreciated. 

Thank you in advance.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 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
Consumer complaint received 2024-03-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: OneMain Finance Corporation (SC)

When I bought the car, they had me pay a down payment, and then I also had to pay the seller a down payment at the end of the term I requested one main to give my title. They stated they never received the title and never notified me in the interim, they have also ruined my credit for life.
Consumer complaint received 2023-12-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (SC)

In the early morning hours of XX/XX/XXXX, I was awoken by my dogs because a towing company was trying to tow my XXXX XXXX XXXX  The entire situation caused a scene in the front of my home in the vicinity of several neighbors ' homes. In fact, law enforcement was called, and they told the towing service that they had to leave. I had never received any correspondence from Ally Financial informing me of the repossession. The tow service did not provide me with any information, either. This incident occurred on a Sunday, so the following Monday, XX/XX/XXXX, I called Ally Financial regarding the vehicle because I had missed payments ; however, I had previously attempted several times to contact them, and they would not give me any information. One agent did tell me that the vehicle had been charged off, but I never received any information to this effect from the company. That Monday, I was able to speak with a representative, XXXX ( employee identification # XXXX ). He offered me a settlement of {$14000.00}, and he stated that I would have to pay this amount off within 12 months. I was given an amount of {$1100.00} to pay monthly. After having to deal with such an embarrassing situation in front of my home less than 48 hours prior, I felt that I had no choice but to agree to the terms since I needed a vehicle. I have been paying the amount since XXXX of XXXX. When I asked Ally to send me a letter stating the amount of the settlement, I was told that they do not send letters to that effect. They did send me a letter with a totally different and higher amount than what was agreed upon. The amounts on the letter do not add up to the amount that I am paying. 
I later discovered that a charge-off was placed on my consumer report without my permission ( FCRA ) even though I am still paying on this vehicle. 
When I disputed Ally 's practices, I was sent a copy of the contract. In reviewing that contract, I realized that I do not have an agreement with Ally Financial. My contract is with XXXX XXXX XXXX! At this point, I don't even know how Ally Financial manipulated their way into this contract. By placing the charge-off on my consumer report, they are damaging my creditworthiness, and, despite my requests, they are refusing to clear up the consumer report. I feel that Ally Financial and XXXX XXXX XXXX have conspired to take advantage of me, and they continue to prey on me with the high car payments for a used vehicle. It is my belief that they have violated several of my consumer rights, especially my right to privacy.
Consumer complaint received 2022-11-14
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. (CA)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., 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 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