davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (IN)

Spring Oaks Capital LLC XXXX, VA XXXXXXXX Spring Oaks Capital LLC is reporting a open collection on my Consumers Credit Report stating I owe the some of {$4600.00} from a XXXX credit card. I requested a validation of this debt to prove that I owe this money + I requested proof of my SS # and the address associated with this debt. They provided me with a XXXX credit card statement showing that I owe {$2500.00} as of XX/XX/XXXX with a address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. This was from my 1st request. They sent me another XXXX statement stating that I owe {$4600.00} as of XX/XX/XXXX with my address being XXXX XXXX XXXX XXXX. XXXX, IL XXXX. These statements are fake because 1st off you can't have a Cc using a XXXX XXXX XXXX XXXX XXXX XXXX is a Office building. My credit limit is {$1500.00} but the over the limit charges are {$3100.00}. Cc don't let you go over by {$3000.00} these are fake statements. I feel I'm being a victim of a scam.
Consumer complaint received 2018-12-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CT)

I have been asking wells fargo for over 1 year to answer questions & they refuse to answer. In XX/XX/2005, my XXXX & XXXXyr old now deceased parents were coerced into a 30 yr. refi via 2 telemarketers : XXXX XXXX & XXXX XXXX . My mother suffered from XXXX & my father from XXXX XXXX & were taking prescription medication which causes confusion & worsen XXXX in the elderly. Wells has been paid {$71000.00} on an {$81000.00} 30 yr loan. It was a bad loan doomed to fail. A loan w/unclean hands, equitable estoppel & unconscionability. A criminal violation of CT predatory lending laws. I was quit claimed my parent 's home & paid on the loan for 3yrs. 6mos. until learning of the loan 's inception. That is when I stopped paying & began asking wells fargo questions. Out of desperation & under stress from Wells, I sought a reverse mtg. All the reverse would lend was {$20000.00}. This would have brought the loan total to {$91000.00}. Wells refused the offer. They knew my parents at their advanced ages could not live 1yr let alone 30yrs. & only cared about their commission. The telemarketers never offered my parents mtg protection ins. or another program to suit their needs. They offered a loan to 2 elderly people that would render them into foreclosure or homelessness. I won't pay for a criminal violation.
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to formally dispute the inaccurate reporting of late payments on my credit report, which is adversely affecting my creditworthiness. After a thorough review of my credit report from, I have identified discrepancies related to late payments that are not reflective of my actual payment history. 
BK OF AMER XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am deeply concerned about the impact of these inaccuracies on my credit score and overall financial credibility. The reported late payments are not consistent with my payment history, and I believe they are tarnishing my credit report unjustly.
Consumer complaint received 2024-03-15
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: Experian Information Solutions Inc. (TX)

I made a purchase of {$10.00} in XX/XX/XXXX. I made the payment on XXXX XXXX from the XXXX account but XXXX said it was made from my closed XXXX account when I inquired about the returned payment and late report to the credit bureaus in XX/XX/XXXX. I made the outstanding balance payment right away, but my issue was that the only reason I found out about the returned payment is that I subscribe to XXXX XXXX XXXX XXXX. I never received correspondence from XXXX about an issue with payment ; I only ever received confirmation that a payment was made. 

When I spoke with XXXX on XXXX XX/XX/XXXX, she informed me that their credit department reached a decision to not remove the late payment from my report. I found this to be interesting. I mailed XXXX XXXX department 3 times since XX/XX/XXXX and now they're deciding that they'll respond to me unfavorably in XX/XX/XXXX? This ruckus is over {$10.00} payment that was confirmed to be received, only to not be notified that there was actually an issue with payment after the fact? XXXX also said that I should have kept checking my account despite receiving official conformation from XXXX that the payment was received. I had not used the card since XX/XX/XXXX for me to keep checking an account that in their own correspondence showed that my account balance was {$0.00}. 

XXXX rather lose a customer of 7 years over {$10.00} than actually admit that their customer service is reprehensible, Every other financial institution I've ever worked with at least sends an email, or calls to let me know if there was a problem. I've also received letters from other financial institutions, even though mail is notable for getting lost or not being delivered in a timely fashion. I sent their credit department THREE letters since XX/XX/XXXX and I am just being notified about their decision in XX/XX/XXXX? Moreover, I provided proof in the form of payment confirmation screenshots and they still insist on negatively impacting my credit report for years. XXXX does not care about their clients. Their behavior is the height of contempt.
Consumer complaint received 2023-04-17
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. (GA)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Tower Loan of Mississippi, Inc. (TN)

I HAVE A COUPLE OF HARD INQUIRIES ON MY CREDIT REPPRT THAT I DID NOT AUTHORIZE I DID NOT GIVE PERMISSION FOR MY CREDIT TO BE RAN AND I WOULD LIKE THEM TO BE DELETED IMMEDIATLEY
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc. (NY)

last year I applied I went to different dealers in order to buy my first car, but I didnt purchase the car from any of them, before I applied i asked if they were running my credit report for all of the banks or just one time, and they told me they were soft inquiries, as of right now, i still have all the inquiries in my report and they are preventing me from purchase a house, after I have sent creditor letter of removal.
Consumer complaint received 2023-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2024-03-15
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: Experian Information Solutions Inc. (NY)

I received a copy of my most recent credit report and there are inquires from several companies I did not initiate, request and/or conduct any business with these companies. XXXX XXXX XXXX dated XX/XX/20XXXX XXXX
Consumer complaint received 2022-12-20
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. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my consumer reports and noticed that I had XXXX late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks... 
If, any reinvestigation under paragraph ( XXXX ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... 
( XXXX ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX Account Name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX Account Name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active XXXX Account Name : XXXX XXXX Account XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX Account NamE : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX Account Name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX Account Name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX Account Name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AXOS FINANCIAL, INC. (CA)

This complaint is against Axos Bank in California. I received an XX/XX/XXXX statement and it had incorrect information on it. Stated that I have a prepayment penalty, which I do not have on my loan terms. I called Axos Bank twice ( XX/XX/XXXX and XX/XX/XXXX ) and asked for a corrected copy, which I finally received. 
The next two months statements were correct, but the XXXX statement once again has the prepayment penalty listed. I called the bank again on XX/XX/XXXX and XXXX telling them that I want a corrected copy of my statement. On the last call, XXXX gave me a case # XXXX. I have not heard anything since that time. 
My concern is that if I let them continue to state that I have a prepayment penalty, then I am allowing it and setting precedence for them to charge me fees when I pay off my loan or make early payments. I will NOT allow them to charge me penalties. 
Also, my bills are not arriving in a timely manner. The XXXX bill arrived on XXXX XXXX.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX Account number XXXX I just recently filed an Identify Theft my information came from XXXX XXXX this fraudulent account was not on XXXX XXXX I didn't realize it until I checked my Experian account I thought I had a freeze with all 3 credit bureaus so I am baffled how these fraudulent accounts are getting through
Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (VA)

I am a service-disabled veteran. In XX/XX/2023, I opened a Turist Simple business checking account with Truist Bank for my vending machine company - named " XXXX XXXX XXXX XXXX  ''. It is a small business and I only have XXXX vending machines. 

I opened the account with a {$500.00} deposit on XXXX and another {$110.00} deposit on XX/XX/2023. Since that time, I had only made a few very small withdrawals of approximately {$10.00} per month ( or less ) to pay a commission to the business where the machines were located. I also deposited another {$100.00} in XX/XX/2023. 

On XX/XX/2023, I visited the Truist Branch to make a {$200.00} deposit. At that time, I asked for a balance on my account. I was then informed, by the teller, that I had a balance of {$2.00}. I was very surprised. He then proceeded to tell me that there were XXXX withdrawals made against my account in XX/XX/2023 by a company online, XXXX. On XX/XX/2023, a withdrawal of {$290.00} and on XX/XX/2023, a withdrawal of {$390.00}. Total : {$690.00}. Neither of the withdrawals were authorized by me. 

I immediately filed a Fraud Claim # XXXX with the Truist Fraud Department , on XX/XX/XXXX, the day I became aware of the unauthorized withdrawal. I also immediately contacted the Police Department for XXXX XXXX XXXX, Virginia and filed a Police Report # XXXX on XX/XX/2023. 

On XX/XX/XXXX, I made a follow-up call to Truist to inquire about the status of my Claim # XXXX and I was told by the Fraud Department that the Claim was denied because the bank has a policy that the claim must be filed within 30 days of the Fraud being committed. I immediately asked for the decision to be revisited and elevated to a higher level. Because I was not aware of the Fraud to my account until XX/XX/2023, I was told by Truist that NO investigation was conducted - only a determination made because of the Truist XXXX notification policy. I also contacted the company XXXX, on XX/XX/2023, via email to report the XXXX and request that my money be returned/refunded, as it was unauthorized. 

I am requesting your assistance in getting Truis Bank to conduct an investigation, recover my funds- {$690.00} and return my money back to my account.
Consumer complaint received 2023-09-17
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. (NY)

I recently requested a validation of debt under FDCPA. I AM INVOKING MY RIGHTS UNDER FCRA 611 ( a ) ( 7 ) to request comprehensive description of all methods employed to verify the collection account being reported. If the debt can not be validated within the 30 day period mandated by the FDCPA. I REQUESTING THE DEBT BE REMOVED FROM XXXX, EQUIFAX and XXXX.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Resurgent Capital Services L.P. (GA)

From XXXX I have been in and out of XXXX with some with time length in between these years. My fianc and I were Car Theft Victims in XXXX  which exposed my personal and business identity. Due to these situations and unfit and unsecured environments of XXXX along with the strong possibilities of my sons mother and daughters mother having my information, Im convinced my identity has been compromised and exposed to identity theft. I have filed Identity Theft with Federal Trade Commission through XXXX. I have accounts that Im unaware of along with inquiries addresses and negative accounts on my credit that I need to resolve. I am in an era of my life where Im investing personally and in business. This is taking and having an affect on my everyday living. I would like to have these removed and resolved as soon asap.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CCS Financial Services, Inc. (GA)

From XXXX I have been in and out of incarceration with some with time length in between these years. My fianc and I were Car Theft Victims in XXXX  which exposed my personal and business identity. Due to these situations and unfit and unsecured environments of incarceration along with the strong possibilities of my sons mother and daughters mother having my information, Im convinced my identity has been compromised and exposed to identity theft. I have filed Identity Theft with Federal Trade Commission through XXXX. I have accounts that Im unaware of along with inquiries addresses and negative accounts on my credit that I need to resolve. I am in an era of my life where Im investing personally and in business. This is taking and having an affect on my everyday living. I would like to have these removed and resolved as soon asap.
Consumer complaint received 2023-09-22
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. (MI)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX, XXXXXXXX XXXX  Balance : {$93.00} ; XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX  Balance : {$190.00} ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00}.
Consumer complaint received 2023-09-22
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. (NY)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (TX)

I was stolen {$3000.00} from PNC bank in XXXX TX on XX/XX/23 : I withdrew {$30000.00} from PNC bank and planned to deposit in another bank less than one mile away. The teller XXXX in PNC bank gave me three stacks in one TAPED envelop and told me there was {$10000.00} cash in each stack and my bank account was deducted XXXX dollars. 

However, when the teller in another bank opened the envelope ( I drove directly from PNC to the other bank ), she found out there were only {$27000.00}. I went back to PNC bank right away with the cash and envelope and explained this situation to both the teller XXXX and the bank manager XXXX. The manager and the teller used two money counters to recount those cash and found two counters gave different numbers. The one used for counting my cash earlier malfunctioned. I was told by the bank investigator it may take 30-45 days for the internal investigation, but that's too late, the 2nd bank may already erase their camera recording after one month. Could you help me with this situation? Thanks.
Consumer complaint received 2023-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (MD)

Federal loans were transferred from XXXX XXXX to Mohela in XX/XX/XXXX. The loans were under COVID-19 forbearance but continued to list monthly payment at approximately {$640.00} under both the REPAYE and SAVE plans ( once automatically transferred ). On Sunday, XX/XX/XXXX, the website updated to show a new monthly payment of {$1600.00}. Income has not been recertified, as it is not required under the current federal loan guidelines until at earliest XX/XX/XXXX, see https : XXXX. It is unclear what precipitated this increased payment. When called XXXX XXXX XXXX, we were told we needed to reach out to the servicer, Mohela. Then called Mohela who said we would need to recertify income on a different plan in order to get a lower payment. This, however, would put the borrower at a disadvantage and circumvents the guidance on the studentaid.gov website, which allows for individuals to not recertify until at the earliest, XX/XX/XXXX.