davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account.
Consumer complaint received 2021-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I previously notified you that I am a victim of identity theft, and requested that Portfolio Recovery do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

Yet they have failed to take action or provide written documentation such as a signed contract bearing my real signature that I have ever had any contractual agreement with them. I have ever done business with this company or any company they represent.
Consumer complaint received 2021-02-17
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. (GA)

Experian is reporting the account with SBNA/XXXX XXXX/XXXX inaccurately on my credit report. The account was paid and closed in XX/XX/2020. The balance is {$0.00}. However, the account status is reporting as 30 days late. This is inaccurate. I have disputed this information twice. It has not been corrected and the account is still reporting inaccurately on my report. XXXX XXXX  advised me that they have reported the account as paid to the credit bureaus and the account should reflect this and should no longer report as 30 days late.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

XXXX/XXXX XXXX Balance Owed : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX  XXXX Balance Owed : {$1500.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX/XXXX  XXXX Balance Owed : {$22000.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

WELLS FARGO XXXX Balance Owed : {$4200.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

WF/PREFERR XXXX Balance Owed : {$8200.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX  XXXX  XXXX Balance Owed : {$2400.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX  XXXX Balance Owed : {$3600.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} - Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act.
Consumer complaint received 2021-02-18
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc. (PA)

I have called XXXX XXXX  a few times during Covid 19. The last time I called was in the beginning of XXXX. I asked them what I could do about my payments because I lost my career due to covid. I work in the XXXX  field as an XXXX and I still can not find part time work. My XXXX is getting worse from the XXXX  and XXXX. I had just bought a condo as well XX/XX/2019. My mortgage company worked with me. When it came to XXXX they told me that there was nothing they could do for me because I lease my car. I still can not find work. I am struggling in every way financially and could lose my home if I am unable to rent it. This is my second time I have leased with XXXX. I am so disappointed with XXXX XXXX and their lack of empathy for people who are struggling. I asked if I could turn the SUV in and they told me I could but I would still owe the money. I don't want to have my credit destroyed. Thats the only thing I have. I don't have family to help me financially. This is a pandemic. People are still buying cars. They are not hurting for money but some people are actually still hurting for work.
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX, I opened a business checking account at a Wells Fargo branch in XXXX, XXXX Today, XXXX XXXX, I received an email ( which I will upload ) letting me know that my " requested '' overdraft protection had been added to the account and that funds for the overdraft protection would come from a new credit card with number XXXX. 

Trouble is, I NEVER REQUESTED OR APPLIED FOR EITHER OVERDRAFT PROTECTION OR A CREDIT CARD. The paperwork for the opening of the checking account refers to neither, and I discussed neither with the representative I dealt with at the bank branch. 

Astoundingly, this sounds like exactly what Wells Fargo got in trouble for last year or the year before. It doesn't leave me with much confidence in the bank. 

I phoned the customer advocacy office at Wells Fargo to ask how this happened. They had no answers but did confirm that the credit card account had been opened. ( Of course, I have not seen a credit card and do not wish to see one. ). They said they would open a case on the matter and get back to me at some point.
Consumer complaint received 2021-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (AL)

Hi, I have recently pull my credit report and reviewed, I noticed that there was a company of NCA listed on here for a collections. I for one never received documentations that I had any type of debt with them. I reached out to the company on XX/XX/XXXX for them to validated this debt, I never received a response, I then reach out to them again on XX/XX/XXXX for them to follow up on the validation of this debt they have listed on my credit report. The company has refused to provide or even responded with any proof or knowledge that this debt belongs to me. At this time they have violated my consumer rights. The law states that If the debt collector does not send sufficient proof of the debt, they are not allowed to continue pursuing you for the debt. That includes listing the debt on your credit report. The company has broken several rules since my initial letter sent on XX/XX/XXXX. I am keeping very detailed documents. This company needs to remove this from my credit report immediately. The company has had more than 60 days to resolve this.
Consumer complaint received 2021-02-17
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. (IL)

On all three Credit agencies ( Transunion, XXXX, XXXX ), they are reporting a late payment on my credit card account and auto loan account. XXXX XXXX credit card company reported me late in XX/XX/2020 during the pandemic and I made arraignments with them to make sure I wasn't late that month but they are claiming they don't have enough information to know what really happened. I asked all three Credit Agencies ( Transunion, XX/XX/XXXX, XX/XX/XXXX ), to remove this and haven't gotten a response. Also, with XX/XX/XXXX they reported me late during the pandemic in XX/XX/2020 and I asked for that to be removed as well and I haven't heard anything back from the credit agencies.
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CT)

I was sent a Visa gift Debit card for {$100.00} when I 1ST went to use it did not work I called the phone # on the card XXXX they told me the card had a XXXX balance Also someone called in to register the card in there name ( this was FRAUD ) I was told to provide the following info : 1 Copy of VISA Debit Card front & Back 2 Prepaid card receipt 3 My Driver 's License 4 Cover Letter The first time I sent this Info one phone Rep said it was received 2 weeks later told they have no record of my info 2ND time I FAXED the info TOLD ME TO USE THIS ID # XXXX PLEASE CHECK with US bank NATIONAL ASSOC last CALLED TOLD TO GET A POLICE REPORT FOR {$100.00} always a new request from card holder services ( big run around ) I TRYED TO GET VISA INVOLED NO HELP DID NOT CARE!
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/XXXX I called Capital One about my restrict credit card balance. My balance on this credit card is {$330.00}. XXXX. I had made a payment of {$25.00} on XX/XX/XXXX which posted on XX/XX/XXXX. I only made the {$25.00} payment because I had called back in XXXX of XXXX to get on a COVID relief payment arrangement that was set up for {$25.00} payments but was not aware that Capital One was reporting on my credit report 4 late payments because I was not meeting the original minimum payment agreement that was established. The representative did not explain this to me at that time. I spoke with a Senior Account XXXX ID : XXXX by the name of XXXX she explain to me that my account was {$38.00} past due and 25 days late which did not make any sense to me. When on the mobile application there system is telling me I owe {$88.00}. Then capital one charges me late fees for the months of XXXX thru XXXX. When I am supposed to be on a Covid relief payment agreement. I am not trying to get out of my obligations to paying on this card and I do not want my account to go to collections but I have gotten no where with the customer services representative and the senior account manager in asking for some kind of relief to pay off this card because I am struggling during this time which the majority of Americans are. I really feel like Capital One does not care to have my business or to continue our business relationship at this point. This consumer is determine to pay all financial obligations and to close this account.
Consumer complaint received 2021-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have disputed this item with the credit reporting agency and they reported confirmed the account as valid. In a good faith effort to resolve the matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. They have failed to comply with investigations.
Consumer complaint received 2020-03-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Alliance One, Inc. (WA)

Alliance One is trying to collect a debt that is over 16 years through a garnishment in court. They have never contacted me not once about this old debt, however, they are trying to garnish me for a debt that is past the statute of limitations in the state of WA per XXXX XXXX.
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: BTH Management (CA)

To whom it may concern, I had a loan from original creditor XXXX for {$3000.00}. With that loan I had to take care of emergencies that had happened. It was going well in the beginning I paid about $ 200 monthly. But after awhile with financial circumstance I had to lower the payment to {$50.00}. From there I haven't made any payment. That went to a collection agency, plaza services, and the debt went from {$3000.00} to {$4900.00}. This year of XXXX XX/XX/2021. I gave them a call and ask for a settlement amount of {$3400.00}. They agreed and I went ahead and sent out the payment. They received the payment but I would like a deletion letter from them asap as I am in the process of purchasing a home. It will be really helpful if you can help me in this difficult times. Thank you.
Consumer complaint received 2021-02-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (KY)

On XXXX I opened a Priority Checking and Savings account using an online promotional link with CitiBank. Citibank refuses to pay the promotional bonus. They claim the account was opened without the promotion. This is simply nonsense as I have a printed copy of the online promotion and a confirmation email. 

The net of the promotion was that I had to open the checking and savings accounts then fund and maintain {$50000.00} in the combined accounts for 60 calendar days. Once completed my account was to be credited with a {$700.00} bonus within 90 calendar days. I funded the combined accounts on XXXX with {$52000.00}. This action more than met the funding requirement. As of this date I'm STILL maintaining that funding level. At no time did the funding level drop below the minimum {$50000.00} requirement. According to the terms of the promotion I should have been credited the {$700.00} bonus on or about XXXX. 

On XXXX I did an online chat with XXXX at Citibank. He CONFIRMED that I met the requirements of the promotion and that I should just wait another week or so for payment. The payment never came ... 

On XXXX I called Citibank .... After 6 attempts to speak with a human and having the call dropped I finally was able to get through to XXXX. He would not confirm or deny the promotional bonus but agreed to open a complaint. I received confirmation number XXXX On or about XXXX I received an email notifying me that I had correspondence available online. I logged into the Priority account and found a letter denying the bonus and claiming that the account was opened WITHOUT the promotion. The letter further indicated that if I disagreed with the outcome to fax additional information or other proof to XXXX. I PROMPTLY did exactly that .... 

Its now XXXX and I've received no further communication from Citibank. I believe at this point that the bank is just ignoring me and hopeful Ill just go away. I believe they have committed a fraud by denying me this promotional bonus money. I am hopeful that you can assist. I have significant paper documentation of all of this history and will be happy to get copies to you if needed. 
THANK YOU
Consumer complaint received 2021-02-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (FL)

My husband, XXXX XXXX XXXX. LOAN NUMBERXXXX, XXXX XXXX XXXX XXXX  XXXX, Fla. XXXX has passed away on XX/XX/XXXX. He was 100 % military XXXX and had a VA mortgage. I was left with no back up or spouses survival money because we were only married seven months even though we were together 10 years. All of the mortgage payments were paid for his VA military XXXX benefits. The check stopped arriving immediately. All I have is my Social Security which is after {$900.00} a month. I want to try to sell the house and and be able to put it on forbearance. My name is XXXX. 
Do you think you can help me I have been trying all day on the phone and have gotten in touch with absolutely nobody.
Consumer complaint received 2021-02-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EOS Holdings, Inc. (CA)

For over 2 months this company, EOS CCA has called me in excess of 200 times looking for someone I don't know! I have repeatedly requested for them to remove my number! 1 week ago I received 30 calls from them in one day all from different numbers but the same woman asking for this person I don't know! 
Today I received another call from a new number but the same woman stating " I know you know who we're looking for '' and when I again stated I do not know that person she said " we will continue to call until I get to speak to her ''! 
This is harassment plain and simple! I have no collection accounts, all my bills are current, why is this happening?
Consumer complaint received 2021-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC. (NY)

Please see the below timeline : XX/XX/XXXX : Initiated mortgage process with Axos Bank ( signed initial disclosures ). XXXX  closing was in XXXX. 
XX/XX/XXXX : Have had numerous delays up to this point simply because Axos employees forgot/failed to process the submitted documents. They simply don't read emails or pick up their phones. On this date, I sent a correction email to the bank because they made an error in the closing disclosures with regard to local tax escrow. This tax payment is due XX/XX/XXXX, and should have been part of the prepaid portion of the mortgage. Email communications are available at your request. 
XX/XX/XXXX : Mortgage was funded. 
XX/XX/XXXX : I received a letter from the XXXX XXXX  XXXX that the property taxes were not made. 
XX/XX/XXXX : I tried calling several numbers/sending secured message via Axos website/using online chatting services on the website. No response received. 

First, I do not want to bear late fees, because it was a failure by the bank. They should bear this fee and resolve this issue ASAP. Second, I do not want to escrow insurance and tax payments. I did not have other options because they said that rates will be higher if I opt out from escrow. Now that I see they are incapable of servicing loans, I do not wish to take my chances. LASTLY, I want the CFPB to take measures so that the bank will have capable employees to respond to these types of issues. I should not have to make complaints to the CFPB in the first place. My experience has been horrible and I do not wish anyone else to go through this.
Consumer complaint received 2021-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I DID NOT Authorize or INITIATE THE FOLLOWING INQUIRES. THE CAR COMPANY PLASTERED MY CREDIT RUNNING MULTIPLE REPORTS. DELETE REPORTING! Violation of Fair Credit Reporting Act. 
TRANSUNION XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX
Consumer complaint received 2021-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

I have been trying to get my account unlocked with Navy Federal, I took all the steps they asked me to and they are STILL refusing to give me my money. My tax refund is about to get deposited along with my paycheck i am a single mother with a XXXX year old and this is the only money i have they wont give me an update as to whats going on or why I cant get my money. If i cant resolve this soon i will not be able to pay my rent and my child and I will be homeless
Consumer complaint received 2021-02-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Requested information regarding the bankruptcy that appears on my Transunion credit report and it has been well over 30 days and have yet to receive any information regarding the investigation and the information I requested.
Consumer complaint received 2021-02-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent TransUnion a letter with a list of unauthorized inquiries they literally never responded back it's been over 45 days since I sent the letter out.