davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (PA)

I got an auto loan from Wells Fargo in XXXX for a XXXX vehicle. I have made 72 payments. In XX/XX/XXXX I contracted COVID and missed 2 payments. Wells Fargo has now changed off my auto loan and are looking to repossess my vehicle After contacting them they are telling me I still owe an additional XXXX. The sale price of the vehicle was XXXX. I traded in a paid in full XXXX XXXX and gave {$2000.00} cash. I thought I financed XXXX but after speaking to them I was advised that XXXX was financed with over XXXX additional in interest. I have paid XXXX for 72 months. How is this possible that I still owe them this much money
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing this letter again to follow up with your company and let you know that your company is still violating the Fair credit reporting act and there is strict liability for data furnishers which means you will be held accountable whether you meant to do it or not. I mentioned in the previous letter that the reporting for every consumer reporting agency is inaccurate. The Fair Credit Reporting Act states that inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system I do not have confidence in the banking system due to your company abusing me and I feel as though its because I am a minority. I need these accounts and inquires removed from my credit report immediately because your company it is ruining my life and should be held accountable for breaking statutory laws. I have a right to privacy under the FCRA and I feel abused and your company is ruining my reputation. You have thirty days to delete this account from my credit report or else I will see litigation and monetary relief for being non compliant and violating my consumer rights.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-09-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Remitly, Inc. (HI)

I have sent money through REMITLY for an instant transfer via gcash and was promised money will be available within XXXX, reference number : XXXX XXXX XXXX XXXX Transaction was done XX/XX/2023 but as of XX/XX/2023 @ XXXX, transaction is still pending. I have tried to reach out to them multiple times and have gotten the same answer currently in process, will take XXXX. They have also cancelled the transaction without my approval as of this morning when i followed up. 

I have attempted to talk to them multiple times but they have been very dismissive and rude. I hope this gets resolved soon. 

Thank you, XXXX
Consumer complaint received 2023-09-08
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: EQUIFAX, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023 & XXXX Date of Inquiry XX/XX/2023
Consumer complaint received 2021-05-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aqua Finance, Inc. (CT)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, Texas XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : AQUA FINANCE XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX
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: EQUIFAX, INC. (TX)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
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: AES/PHEAA (GA)

Nothing has happened. There still reporting inaccurate information and accounts on my report. I have reached out certified mail on several occasions with no results. The last time I've reached out was XX/XX/2023, providing proof of with my certified dispute letter, ending with no results from any of the credit bureaus. 

This collection that is reporting on my credit report from this company was under a lawsuit. I was one of the customers that was under the multistate XXXX settlement lawsuit. This loan was supposed to be removed from all 3 credit bureaus and I was paid out a settlement check. Those were the agreements within the lawsuit. I have proof that restitution was paid out to my account from this lawsuit.
Consumer complaint received 2023-08-29
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: Tower Loan of Mississippi, Inc. (MO)

I am writing to request the removal of unauthorized credit inquiries on my name of the credit bureau-XXXX, XXXX and or XXXX  credit report/credit inquiries that i did not authorize.
Consumer complaint received 2017-05-16
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: Experian Information Solutions Inc. (FL)

I should have been advised that because an additional payment was made during  XXXX  the  XXXX  payment would not be deducted, despite interest accruing and that it will negatively impact my credit report, regardless of being ahead by almost 20 % on payments.     As a result my credit scores have each suffered by approx.  XXXX  points. This will impact me on multiple levels for years.
Consumer complaint received 2023-09-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (FL)

XXXX XX/XX/XXXX  when I went into Wells Fargo branch XXXX XXXX XXXX, XXXX, FL XXXX branch to cash a check using me debit card for ID. She said " you closed the card ''. I never closed the card. Upon arriving home I called number on back of card. After being verified and an email sent with verification code I was told " the bank closed card for lack of use. '' Would have been very nice if I needed money while traveling. I asked for a new debit card and employee wanted to start all over again with verification information to issue card. I said to send me a new card in 7-10 business days or I'll close my accounts as a 28 year customer. No new debit card arrived. 

XXXX XX/XX/XXXX  went to Well Fargo branch located at XXXX XXXX XXXX, XXXX, FL XXXX to close five accounts. " No one working today. I can make an appointment for you at XXXX tomorrow. " XXXX XX/XX/XXXX  Went to a different Well Fargo branch located at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX to close five accounts. I was issued five cashiers checks. And, told to call XXXX to Close accounts. The checks are deposited in another financial less than an hour later. 

XXXX XX/XX/XXXX  called XXXX spent 30 minutes with two employees attempting to close already closed accounts. First was XXXX XXXX. Didn't make sense why I had to call to close an already closed account. XXXX XXXX   could only close four of five accounts. " No mobile number to send text message. '' I told second employee XXXX XXXX there never was a mobile number on account email me verification code. " I can't do that sir. I only lets me send to a mobile number. You can go to a Branch, try online if you still have access or write a letter. " On each account I had to listen to XXXX read text and acknowledge about closing account and my financial liability if account are used in the future. And, give a reason for closing each account. Poor customer service. 

Two of the closed accounts are interest bearing so I'll receive two more cashier checks in the amount of {$0.00} and {$0.00}. 

The last outstanding account be can't be closed because it has earned {$0.00} interest in past twenty-four hours. Now I must waste more time closing an account for grand total of {$0.00} today. 

The reason the accounts are being closed is because the bank closed a debit card without notification after closing in a separate letter sent via US mail to me the consumer, half truths of employees and poor customer service.
Consumer complaint received 2023-05-02
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. (PA)

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 XXXX XXXX XXXX XXXX XXXX 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 2021-05-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I explained to XXXX XXXX XXXX, on a recorded line, that I was part of the Class Action Lawsuit against Capital One ( Anderson vs Capital One Class Action Lawsuit ) where as Capital One was to have all debts removed from all three credit bureaus, XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX. They were not to sell our information to third parties anymore. This debt that XXXX have is not mine and the date open they have is incorrect ( XX/XX/2020 ) and the amount is fraudulent, this is a fraudulent account, and I will hire an attorney and sue them and Capital One if they don't remove this from all three credit bureaus agencies.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, - 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 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-09-08
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. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023 & XXXX Date of Inquiry XX/XX/2023
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SANTANDER HOLDINGS USA, INC. (MA)

We already did this, XXXX XXXX  total XXXX XX/XX/2022. I never oked these transactions. They have denied. me again and still have not sent me the emails. There are no emails, I did not ok anything. Asked them how they can keep from giving back the money, with no emails. They said it was your card. It was my card, that obviously got hacked..
Consumer complaint received 2024-03-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (PA)

I recieved a letter stating they were going to fwd account to an attorney if not paid or payment plan.. I believe I have asked this company for validation which I never received until XXXX XXXX knocked on my door to deliver the threatening letter..I decided I would contact the company even after seeing all the bad reviews they have online.. I spoke to a representative he did verify me but then starting talking about account then he gave me the mini XXXX which should have been stated after verification.. I then asked to be fwd to a manager.. The manager got on the line and was ready to talk about my issue..Did not tell me the call was being monitored or recorded nor did he verify me which is not legal at all..
Consumer complaint received 2023-08-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX cancelled policy and I had contacted them that I would have their money the next week. I also explained that it was due to job loss. They proceeded to cancel policy and did not inform me that they were opening a new one. I wasn't able to drive because I didn't have insurance and I had to open another policy to use my cars.

This is a fraudulent charge and I tried to speak to them about it, but they did not get back to me ever.
Consumer complaint received 2017-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have a credit account with XXXX. I have paid the bill on time with just {$95.00} remaining on a {$1900.00} credit line account. XXXX has reported my account AS CLOSED, DELINQUENT 120 DAYS with {$8.00} per month being paid monthly. This appears as an ADVERSE ACCOUNT on my credit report. I have never made an {$8.00} payment as stated in the report. In fact, some of the payments were made in the amounts of {$800.00} and {$530.00}.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This company is reporting inaccurate information on all 3 of my credit reports. I have not been able to resolve this issue with this company. This company has failed to validate this debt. They only re aged the account. I do not have any contract with this company and never did. The debt that they are falsely reporting was paid to the original creditor. I have proof that this debt was paid. I have never had a debt with this company. This has tremendously affected me with finding housing and a job. I have been going to house to house because I can't get approved because of this false debt. I would like this account XXXX {$1100.00} to be removed immediately from all of my credit reports.
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: EQUIFAX, INC. (CA)

Under 15USC 1681 ( a-l ) Everything should fair and accurate, in a timely matter. 
They have refused to remove this erroneous mark on my report and are violation of my consumer rigths. 

During the COVID-! 9 pandemic the year XXXX  everything was locked down. 
During this time we were protected from negative reporting on my credit reports. 
XXXX, XXXX and EQUIFAx have violated might continually reporting late payment on my XXXX XXXX accounts. 

All these accounts have never been late, this was during during pandemic XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and along with inquiries with that I did not authorize but XXXX and other credit bureaus have refused to delete, these inquiries were during the times that my credit report was already under a fraud alert. My fraud alert was put on in XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX EQUIFAX MORTGAGE SERVICE XXXX XXXX XXXX XXXX I want these unauthorized and inaccurate info my report deleted.
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. (CA)

Under 15USC 1681 ( a-l ) Everything should fair and accurate, in a timely matter.

They have refused to remove this erroneous mark on my report and are violation of my consumer rigths. 

During the COVID-! 9 pandemic the year XXXX  everything was locked down. 
During this time we were protected from negative reporting on my credit reports. 
XXXX, Transunion and XXXX have violated might continually reporting late payment on my XXXX XXXX accounts. 

All these accounts have never been late, this was during during pandemic XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and along with inquiries with that I did not authorize but XXXX and other credit bureaus have refused to delete, these inquiries were during the times that my credit report was already under a fraud alert. My fraud alert was put on in XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I want these unauthorized and inaccurate info my report deleted.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

There were XXXX XXXX XXXX credit cards reported on my credit. I reached out to XXXX XXXX and advised they were open as a result of identity theft. An ex-boyfriend had access to my account and personal information and opened the credit cards in my name. I advised this to XXXX XXXX XXXX XXXX but they didn't remove the account, they said they were not fraud. 

Even though I was not the person who opened the accounts I still felt obligated to pay off the account because they used my information and I wanted to maintain a good relationship with XXXX XXXX XXXX XXXX. I paid all of the balances in full, I did not settle. 

I paid all of the credit cards in full but they are still being reported on my Experian report as a CO, and is the only account on my credit report that's negative. This needs to be corrected. 

This item being negatively reported to my Experian report is preventing me from getting approved for other accounts and or credit cards. I currently have a great relationship with XXXX XXXX XXXX XXXX and I want to maintain that great relationship.
Consumer complaint received 2023-09-08
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Colony Brands, Inc. (CA)

This is a mail order magazine i never applied for. My information has been breached on more than 1 time. I did everything to inform company i never applied nor ordered from them. I provided notorized documents showing i have not lived at address where merchandise sent nor do i know the individual in question. They have destroyed my credit over this & refuse to remove derogatory payments & account from my trw.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (IA)

Mohela continues to not follow the court orders regarding the case XXXX vs XXXX. Mohela does advise me that my student loans have been discharged, however, they refuse to take the information off my credit reports. 

Additionally, I have not yet received my loan refunds.