davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bepensa Capital, Inc. (IL)

In XXXX of XXXX, I received a letter advising that insurance I had covered on my car wasnt up to standards according to my loan contract! I was advised that I must have comprehension and collision insurance! This was from XXXX XXXX XX/XX/XXXX. I was told that the total amount could be split between my monthly car payments. The company advise that they purchase my premium and paid it in full! After getting email treating to shut down my car after Ive been making all the payments for both the force place insurance as well as my car note on time or early. Now the finance company is calling me repeatedly or emailing me advising that Im behind on payments and or late which isnt true! Ive paid every payment on time or early since XXXX of XXXX! Ive requested a copy of the force place insurance and a break down of how the payment was applied to this vs my interest and principal! I was told that they were taking what was needed for the interest and applying the rest towards this force place insurance and whatever after that was left was applied to my principal! At XXXX point they said XXXX $ went towards my principal. The total was suppose to be for XXXX for 12 months and that was to be paid with an additional XXXX per month in addition to my XXXX car note!. The company representative were rude and disrespectful and advised if I had my own insurance this wouldnt be happening! Since XX/XX/XXXX Ive purchased insurance through XXXX! Ive provided proof of this insurance and was advise that I still must pay an additional XXXX to cover the rest of the loan and that I only receive an XXXX credit and the rest will have to be paid and I will not get an refund! According to the information Ive research, the finance company must cancel the policy within 15 days and present a refund of the remaining amount! They are advising that this isnt true. Which I believe is a lie and they are using illegal practices!
Consumer complaint received 2024-02-09
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (FL)

In accordance with the fair credit reporting act convergent account names Wells Fargo Has violated my rights XXXX USC XXXX Section XXXX States I have the right to privacy. XXXX USC XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written permission instructions. XXXX USC XXXX Section : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-14
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: EQUIFAX, INC. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX DateUpdated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated:XX/XX/XXXX XXXX XXXX Balance Owed : {$5800.00} XXXX Balance Owed : {$230.00} XXXX XXXX  XXXX Balance Owed : {$4000.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXXBalance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX Balance Owed : {$2500.00} XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southwestern Investors Group, LLC (CA)

On XX/XX/XXXX XX/XX/XXXX I received a call regarding a debt I owed. I called business the business associate named XXXX told me I had a debt of XXXX XXXX from years ago. This debt was under already resolved. I told him it was paid and not to call me or anyone I know he perseeded to tell me my social security number over the phone with is a violation of the ftc. I told him this and not to contact me again regarding this or I will retain a lawyer you sue this company. He told me to get a job, since I'm home collecting unemployment benefits. I don't want a company giving out my ss # and also harassing me over the phone. Refused to go me address of company or to speak with the owner of the company. Then called me harassing comments. Unprofessional, rude, and violates ftc practices.
Consumer complaint received 2022-11-27
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. (TX)

So I sent letters of to all bureaus on XXXX XXXX, 2002. Here is my tracking # for # XXXX XXXX. 
# XXXX  XXXX # Equifax XXXX. 
To remove personal information that I do not want on my credit report because of inaccuracies. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-03-23
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. (AZ)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I had a HELOC with Citizens Bank. In XXXX of XXXX I applied for and received approval for a HELOC with XXXX XXXX XXXX! I requested a payoff figure from Citizens Bank in order to pay the balance due on the HELOC I had with them. On XXXX XXXX I received an itemized letter from Citizens, detailing all the balances and fees that were included in the payoff figure. Included in those figures was a {$100.00} Discharge Fee! I recently noticed that money had been taken from my checking account at Citizens to pay for this fee, on XX/XX/XXXX. By doing this Citizens overdrew my checking account and then charged me a {$35.00} overdraft fee!! I shouldn't have to pay any fees as long as the amount requested in the payoff figure was satisfied, before the " payoff valid through date ''! XXXX also requested that my HELOC account be discharged, via written docs signed by me. Citizens is telling me that I never requested for the account to be closed therefore they can charge a fee for having it open, even though the request was made in XX/XX/XXXX. 
P.S. XXXX XXXX cut the check on XX/XX/XXXX. Citizens Bank stamped Received on XX/XX/XXXX, on the front of the check. Yet the reverse side of the check shows it was processed on XXXX!!! Is this not illegal?
Consumer complaint received 2023-05-25
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX XXXX Account # 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
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc (PA)

Received an email notification about a newly opened Chime account which I did not request or apply for. When I went to the website, the authorization phone number was not mine. 
Per their website instruction, I emailed XXXX. That email suggested I either open a chat or wait 24-36 hours for a response. So I opened a chat. That rep told me I needed to email support @ chime as they could not help me. I replied to the email again and received a response that my case was now closed, since I had opened a chat. 
Now have had to send another email and wait another 24-36 hours for a response...
Consumer complaint received 2023-06-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgent Capital Services L.P. (AZ)

I have received multiple summons to the court to pay for this debt that I have been disputing for years. I do not owe this debt with the debt collector or the original creditor. The debt is listed on my credit report by 2 companies that share the same website. The police have come to my parents home and to my home. I worry that they will show up at my job. The last document I received was tapped to an address that I no longer reside at however my old roommate notified me of the document and frequent appearances by the police in attempts to serve me.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Request for Validation and Removal of Inaccurate Information from Credit Profile I am writing to address a matter of significant concern regarding the accuracy of information on my credit profile. I have recently become aware that your agency is reporting information that has not been properly validated, a practice that directly contravenes the provisions of the Fair Credit Reporting Act ( FCRA ). 

The inaccurate information pertains to the following account : Creditor Name : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Tx XXXX Under the FCRA, I am entitled to accurate and verifiable information on my credit report. The reported account incorrect and has not been adequately validated, and as such, I am formally requesting that your agency comply with the following : XXXX. Provide full validation proof : Furnish detailed documentation supporting the accuracy and legitimacy of the reported debt, including but not limited to the nature of the debt, the amount owed, and the original creditor. 

XXXX. Compliance with FCRA : Acknowledge and rectify the violation of the Fair Credit Reporting Act by ensuring that all information on my credit report is accurate, verifiable, and in compliance with the law. 

I emphasize that the inaccurate reporting of this debt is not only damaging to my credit standing but also constitutes a violation of my rights under the FCRA. If your agency fails to provide the requested validation information within the stipulated time frame, I reserve the right to pursue legal action to rectify this violation. 

To facilitate communication, kindly forward all written correspondence, including the requested validation information, to the following address contained within this complaint. 

Alternatively, I request the prompt removal of the inaccurate account from my credit profile if full validation proof can not be provided within the specified time. 

I appreciate your prompt attention to this matter and anticipate a swift resolution to rectify this violation of my rights under the FCRA. 

Thank you for your cooperation.
Consumer complaint received 2023-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (OH)

I have 4x scheduled transfers through USBank every month, with 2x scheduled transfers going from USBank to XXXX XXXX  in the amount of {$4700.00} ( twice monthly ) and 2x scheduled transfers going from USBank to XXXXXXXX XXXX in the amount of {$500.00}. 

Repeatedly, and without prior notice, these transfers did not occur. I have spoken to 2x USBank managers and their IT helpdesk. Nobody at USBank wants to own this and certainly hasn't made any meaningful attempt to solve this. 

Most recently, I was told to contact the business relationship manager. Here was his latest response to me : Unfortunately, this falls out of my scope of practice. 

I have opened multiple tickets with IT and nothing gets fixed. I am making a formal complaint, I can provide multiple emails of the course of months ( since XX/XX/2023 ) showing where the transfers sometimes go through and sometimes do not.
Consumer complaint received 2024-03-08
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. (GA)

I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account XXXX ) that is UNKNOWN to me. I came across this law today and according to the XXXX FCRA XXXX XXXX XXXX XXXX XXXXXXXX ) you are required to remove/block any accounts or information not later than XXXX business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Consumer complaint received 2023-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP (TX)

I did submit my mortgage payment using the Pay Bill from my bank ( in this case XXXX XXXX XXXXXXXX -- see proof ) Such payment was, according to XXXX processed on XX/XX/2023. However, when I checked the online profile on Bank of Texas, the payment was not been reflected on XX/XX/2023. I contacted BofTX and received the replay they have not received such payment and I should WAIT FOR THEM TO PROCESS ( XXXX. In between, my mortgage profile remains delinquent. I issued a inquiry with XXXX about the XXXX XXXX not been processed and I was provided with the electronic payment number XXXX. I contacted again BofTX and talked twice with XXXX who said the payment should be reflected by Monday, XX/XX/2023, which it is today but my mortgage on the online profile still shows my payment been due. I feel both banks are just jugging in between and not get my issue resolved. I am out of {$1400.00} dlls from my checking and I still have my mortgage payment not been received. I was indirectly pointed the fact that I do not have an automatic payment set-up for BofTX to get the payment directly from my account, which it is something I prefer not to do. In the almost 9 years dealing with this mortgage, this is the 1st time my account shows been delinquent. Can you help?
Consumer complaint received 2023-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

Hi, I took part in the covid relief program for 8 months. I was told that I would have repayment options available when my forbearance plan ended. 

My forbearance plan end date is XX/XX/2023. I paid my mortgage payment in XXXX and called to set up auto payment only to find out I am required to pay my lump sum in full with NO repayment options available. If on the XXXX I am not able to pay the lump sum, they will start the foreclosure process. 

The information provided and explained to me was portrayed in a way that I understood I would have repayment options. According to Penny mac, it is up to the insurer. I reviewed the covid relief program paperwork and it also portrays and states that a lump sum payment is not required if it is not possible at the time of the plan end date. 

Penny mac and XXXXXXXX XXXX are looking into this but have yet to inform me of any findings. My concern is the XXXX will come, and I will be stuck and default on my loan, starting the forbearance process. 

I am happy to help provide more documentation or discuss further. I am hoping this gets another look and reconsideration. 

Thank you, XXXX XXXX
Consumer complaint received 2023-06-05
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: Avid Acceptance, LLC (IN)

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. 

AVID ACCEPTANCE  XXXX 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 2023-07-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2023-06-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (SC)

During the whole time that I had Wells Fargo Ive experienced on going issues that has never been res & was forced to close my account with a balance that did not belong to me. Theres been a lot of unauthorized transactions & money being withdrawn from my account and nobody knew why.
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XXXX, I called Capital One and issued a fraud alert, claiming within 24 hours that someone had made an unauthorized XXXX purchase on a card ending in ( XXXX ). They said they would cancel my card and issue a new one. I had a XXXX balance. 

" Despite customer service confirming that a new card was never sent for activation. '' Capital One credit services allowed billing on a new number I was unaware of. 

I did not receive any notices until I received a statement on XX/XX/XXXX, showing an outstanding balance of {$310.00} on an account ending in XXXX. It seems they activated the new account without my knowledge or consent, allowing charges to be billed to a previous address. Even though I was on paperless billing, they switched me back and charged late fees. The charges included a XXXX account and other unfamiliar accounts from California. 

I contacted Capital One, paid the entire balance of {$310.00} to end any more late charges with my debit card, and asked them not to keep that card on file. I informed them I would dispute the charges with the Consumer Financial Protection Bureau. They intentionally issued a new card without me authorizing or activating a new account and only now emailed me for payments and late fees. I want a refund of any interest, late fee, and unauthorized billing. I called XXXX
Consumer complaint received 2022-11-09
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. (TX)

Back in XXXX there was 2 credit card accounts fraudulently opened in my name XXXX XXXX  and XXXX XXXX as well as a collection account XXXX XXXX in the amount of {$690.00}. 

The discover account has been removed from my XXXX credit report but remains on both Transunion and XXXX. XXXX XXXX remains on my XXXX credit report. XXXX XXXX account has been removed from XXXX 5 times but the company keeps reselling the account every time it is removed this account is back from XXXX which is way past th

e 7yr statue of limitations which I was not responsible for.

I have been disputing these accounts for XXXX yrs and have provided all documentation to prove that these accounts have never belonged to me. I also explained in details that all my personal property and wallet had been stolen I have provided police reports Affidavit and ftc reports. 

This has been very disturbing and embarrassing that I have not been able to move ahead with my life because of these inaccurate accounts. 

I am asking that you guys can please help me to get these accounts removed. 

I am filing a complaint against Transunion, XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX for continuing to report inaccurate data to my credit report and not fairly investigating the accounts.