davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-01
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRUIST FINANCIAL CORPORATION (AZ)

My car company https : //www.regionalacceptance.com contacted me about my loan. The representative violated the FDCPA laws during the call. The representative name XXXX XXXX called me and did not provide any disclosures and nor did he perform verification to ensure he was speaking to the right person. The representative started yelling at me about the status of my account and started demanding payment. At the time of the call XXXX XX/XX/23 I had other people in the car with me who over heard the whole conversation. The representative was rude and very unprofessional. The representative even advised me to give my car back and told me my loan status was unacceptable. He didnt not offer me any options or try to figure out my situation. I advised the representative I had an issue with how he was conducting himself during the call and the representative continued being disrespectful to me.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-01
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (OH)

I received a pre-paid Amex gift card on XX/XX/XXXX for {$100.00}. I tried to use the gift card online and in person at two different vendors- XXXX XXXX on XX/XX/XXXX ( on line ) and on XX/XX/XXXX ( in person ) and XXXX XXXX on XX/XX/XXXX ( on line ) - both of which say they accept Amex as a form of payment. I ensured the purchase amounts did not exceed the remaining balance on the card. Each time I tried to use the card, I received a declination message from the vendor, and a {$0.00} transaction fee charged to the card. Amex website now shows the active card balance of {$99.00} as a result of these transaction fees. 

I called Amex customer service, and the representative stated these two vendors do not accept Amex gift cards at this time, which is not in line with the vendor policy of accepting Amex as a form of payment.
Consumer complaint received 2024-01-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo account. Account belongs to my estranged husband. Who added my name to his account without my knowledge or consent. This I believe happened in XXXX of 2023. When I became aware of this I requested he have it removed. He called wells Fargo and made request. Today I checked my credit report on XXXX XXXX, XXXX and XXXX and i have it listed on these reports resulting in a XXXX point credit drop. I want this removed ASAP I had planned on purchasing a home and this has caused severe damage. I believe this is tantamount to fraud as I did not give permission for this either verbally or in writing. This is extremely poor practice. What would stop someone from adding XXXX XXXX name to all their accounts. Please help get this corrected.
Consumer complaint received 2016-06-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TN)

I would like to know who is asking for loan modifiation on my behalf and pretending to be me? And how can offical federal documents be invalid? It sounds to me that you company is refusing to investigate by documenting invalid info. I want the info your documenting on my behalf with in the time frame you have had the loan and confidential documents wo n't work. You say you have me requesting stuff prove it. Because right know i have your company documenting stuff I do n't say as well as using it in validly to file false paperwork
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/, a company called XXXX XXXX charged me an overage of {$1000.00}. I had subscribed to their service for XXXX XXXXXXXX a couple of months prior, on XXXX XXXX XXXX. I used my Mastercard with Capital One to make the initial purchase. I submitted a dispute with Capital One for the overage charge. Then, after Capital One reversed the charge dispute, they rebilled me on XXXX XXXX XXXX, and I called a representative. The representative changed the coding of the dispute to reissue the disagreement, which reflected that I didn't receive the merchandise as agreed. After doing so, I received another charge reversal on the XXXX XXXX XXXX I submitted documentation showing that the billing page clearly stated XXXX XXXXXXXX, and there were no other indications of other charges. They rebilled me on the XXXX of XXXX. I sent a letter to Capital One ( attached ) citing the Mastercard policies on receipt delivery for subscriptions, as the vendor does not conform to the Mastercard policy requiring receipt delivery by text or email. Also, they do not provide a form or direct phone number on their website to cancel the subscription, which is also against the Mastercard terms. Capital One wants me to provide documentation that I did not receive the services as agreed. I also explained that I did not receive the text/email receipts as I had explained in the letter, and the Capital One agent that I spoke with asked I provide documentation to show that I did not receive a text or email with a receipt if I didn't receive it how can I provide proof I didn't? The lack of evidence is the proof... Also, I explained the fact that hiding the overage disclosure behind the terms of service page on their website is a deceptive billing practice, which Mastercard has a policy against as well.
Consumer complaint received 2024-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I got a bill from Resurgent Capital Services XXXX XXXX XXXX, XXXX SC XXXX tel : XXXX but the original creditor is XXXX XXXX XXXX XXXX, a utility company. 

This bill is originally in regards to an account someone opened up for utilities with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX This person committed fraud by using my social security number to open the account which was for an apartment in Texas. 

Ive never lived in Texas. Just California and Nevada. 

This is fraud. Please help I want this off my credit report.
Consumer complaint received 2018-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Chapter XXXX bankruptcy is invalidly reporting on credit bureaus have contact them to get it removed and all three major credit bureaus refuse to remove it. Along with bankruptcy the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX these are not my accounts they are on my report as a result from ID Theft ; credit agencies also have copy of police report and ID Theft Report # : XXXX.
Consumer complaint received 2018-11-16
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. (TX)

I filed a dispute with transUnion credit reporting agency a fewmonths ago regarding an fraudulent account showing on my credit report from XXXX XXXX XXXX XXXX in the amount of {$3100.00} as I was a victim of identity theft and this account does not belong to me. Included in the dispute, I sent in a police report a and a FTC fraud affidavit which TransUnion confirmed they recieved, removed and blocked the account. 2 days ago, this account came back to my credit reports despite them claiming to have blocked it. I called Transunion immediately and was told that they no longer blocks fraudulent accounts from reappearing on credit reports. But offered to dispute it the regular way, which take up to 30 days in which they could not ensure it would be removed. 

I requested to speak witha supervisor ( XXXX XXXX ), who confirmed as the previous representative stated, that they no longer blocked fraudulent accounts. I have attempted to dispute this account with XXXX XXXX XXXX XXXX to no avail as they have been unable to verify these charges belonged to me as theyve only sent in charges related the credit card. But nothing pertaining to any addresses ive ever lived. 

TransUnion is not obeying Section 623 ( a ) ( 1 ) ( B ) which requires data furnishers to remove/blocked fraudulent transunions within 3 days of recieving a police report and FTC Fraud report.
Consumer complaint received 2024-01-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TRUIST FINANCIAL CORPORATION (VA)

XX/XX/XXXX - and before this date : Working Truist/BB & T Mortgage to get a modification and mortgage assistance. This is the 3 rd compliant with the CFPB and requesting assistance from your agency for a margin to assist with Truist Mortgage. I have asked you for assistance, but you continue to let them send me letters and tell me that there is no assistance. There is always assistance when it comes to homeowners and theyre not really trying to assist me. They just want to take my home so I need assistance and this workaround there is no way that, you can tell me that some liens that are not even part of my home, or the attached to a business from the IRS will prevent me from modification when in the past, I have had another property assisted with a modification and didnt hear anything about the lanes and its the same kind of loan so its just mortgage company that does not want to assist and help me. They just want to do a short sale.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-01-19
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (MO)

XXXX credit cards were opened with my social security number without my knowledge on XXXX 
I have contacted the companies and attempted to have the credit cards closed, but there have since been additional balances added to the accounts. 

Account info Account name BEST BUY/CBNA Account number XXXX Account type Charge Card Responsibility Individual Date opened XXXX  Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$2300.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$30.00} Credit limit {$2500.00} Highest balance {$2300.00} Terms - Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$1900.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$30.00} Credit limit {$2000.00} Highest balance {$1900.00} Terms -
Consumer complaint received 2021-06-30
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: WELLS FARGO & COMPANY (NJ)

To whom it may concern : The dates of XX/XX/2019, XX/XX/2019, XXXX, and, XXXX I was given late payments by Wells Fargo Dealer Services for a car, and they reported this to the Consumer Reporting Agency. I had disputed this information previously that the information was incorrect and that it needed to be changed but to no avail.I even provided documentation of a Notarized Letter that was signed by individual pertaining to get the late payments.
Consumer complaint received 2018-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Good morning, I have attempted to have the three credit agencies ( Experian, XXXX, and XXXX ) remove old addresses which are not feasible to receive mail. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and would like all three credit agencies to comply immediately.
Consumer complaint received 2024-04-15
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 am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX. 
Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-12-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo closed my account after there were frauds that were made on my account. I ended up losing {$2000.00} and {$1300.00} from a merchant Called XXXX. They were unwilling to follow after XXXX and get my funds back so I ended losing {$2000.00} dollars. They did not investigate regarding the XXXX dollars and reversed it because I took all my money out of my account. Can you guys please help me with Wells Fargo because they are trying to keep my account at negative XXXX after my account been scammed and they are not helping me recover the funds. They are the worst bank their customer service was the worst and they look at their customers as XXXX  always instead of helping them. The claim never had a final resolution they are only reversing everything because they told me to take out my money out of my account before the XXXX of XXXX which I did.
Consumer complaint received 2024-04-15
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. (MO)

I hereby declare that I do not authorize this account due to my refusal to disclose any personal financial information to any collection agency, as it is in direct violation of the FDCPA ( Fair Debt Collection Practices Act ). Specifically, this violates FDCPA Sections 807 and 812, pertaining to false and misleading information, as well as furnishing deceptive forms.

Moreover, the agent handling this account is in violation of 15 USC 1692g, as they failed to provide written notification of this matter five days prior, as required by law. As the original creditor, I reserve the right to validate this debt, which I do not acknowledge or validate.
Consumer complaint received 2023-12-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC (TX)

Pursuant to a conversation with XXXX, at contact number ( XXXX ) XXXX, as I asserted in our conversation on XX/XX/XXXX, I do not deny going to a XXXX XXXX XXXXXXXX XXXX XXXX [ XXXX ] on XX/XX/XXXX, to be treated for XXXX XXXX. The issue I am experiencing with this visit, is not whether or not I am responsible for any cost associated with my visIt, because I am willing to pay, but rather your organization or XXXXXXXX XXXX  XXXX have failed to provide justification in for the extreme charges associated with my emergency room visit, in the form of an itemized statement and/or invoice justifying a bill for {$5800.00}. Per our conversation it was stated the insurance company [ XXXX ] paid out {$830.00}, thereby leaving a balance of {$5000.00}. As I stated, upon arrival to XXXX XXXX XXXXXXXX XXXX XXXX my XXXX was assessed above XXXX, unfortunately, the center did not have any medication to adequately treat my condition, so rather than be honest about the lack of their ability to extend to me adequate treatment, they gave me water to drink throughout the night. No XXXX was administered. A family member came to check on me, and having some understanding of my condition and the seriousness of my condition, left and went home, only to return with some XXXX ( XXXX ) to help bring down my XXXX level. As the evening progressed, it appeared my XXXX level would not come down, to an acceptable level, so I decided to leave ; upon leaving the XXXX XXXX  XXXX XXXX XXXX my XXXX level was XXXX. I left XXXX XXXX XXXX XXXX and went to XXXX XXXX XXXX XXXX ( XXXX ), where they administered XXXX to assist with helping to better my condition, upon leaving XXXX XXXX my XXXX level decreased to XXXX. 

For the fourth time, I am requesting a copy of the itemized statement and/or invoice to justify services or treatments extended to me on XX/XX/XXXX. In addition, I have not at no time, received any correspondence or billing from your organization or XXXXXXXX XXXX XXXX regarding this matter.
Consumer complaint received 2024-01-02
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: JPMORGAN CHASE & CO. (CA)

I have 3 business cards that were applied for with the EIN of the business and have been under those businesses for 4 years. They have never appeared on my personal credit ever. I had a missed payment on all three due to financial hardship and Chase reported these cards to my personal credit. These should not be on my personal credit score but rather my business rating. This is substantially affecting my personal credit now.
Consumer complaint received 2018-11-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (CA)

I would like to speak to someone regarding severe auto finance fraud by XXXX XXXX XXXX XXXX XXXX in XXXX XXXX CA. After 2 contracts signed ( one is not even my signature ) a interest increase from 5.99 % to 22 % and several conversations and having the sales girl XXXX come into my place of business after I told her NOT TO COME TO MY PLACE OF BUSINESS ( on the XXXX of XXXX ) to have me sign a cancellation agreement ( The bank records is a different agreement ) I had returned the XXXX XXXX XXXX truck to the dealership on XX/XX/2018 because they wanted me to sign an additional contract ( 3rd ) After returning the vehicle the finance manager had forged and altered an original document and after already charging ( 2 ) {$2000.00} payments charged an additional payment on my Visa card for {$3000.00} on the XXXX of XXXX without my permission and when I had called the bank to do a chargeback, they had submitted a contract that was a combination of the first two contracts and a 3rd contract in which I had never seen before or signed. XXXX XXXX XXXX because of the fraudulent paperwork and even after I had shown them the proof of forgery, did not refund me. I was out {$7000.00} no truck and a bill from XXXX XXXX. Since this whole situation, I have had no down payment to purchase an additional vehicle. XXXX XXXX has repossessed the vehicle from XXXX XXXX XXXX XXXX where the truck was returned to the manager ( witness was present ) on the XXXX of XXXX, 2018 my credit is now ruined so I am unable to purchase another car. I have proof of fraudulent financing to the extreme. I absolutely want to report not only the finance manager but the dealership as well.