davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

If you had a Wells Fargo account between XXXX and XXXX, you might be one of the 16 million customers who qualify for damages, says the Consumer Financial Protection Bureau ( CFPB ). 

As part of a {$3.00} XXXX settlement, Wells Fargo has agreed to pay more than {$2.00} XXXX directly to customers harmed by illegal activity, ranging from incorrect overdraft fees to wrongful foreclosures, Can you please include me in the class action lawsuit? 

Here is my Bank Account credential : Account number : XXXX Account holder name : XXXX XXXX
Consumer complaint received 2020-03-09
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. (MS)

I received a call from a collection company stating about a debt I owed on tv service. I have never applied for tv service. I quickly opened with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX  XXXX {$440.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX   XXXX {$2700.00} XXXX/XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$440.00}
Consumer complaint received 2020-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

On XX/XX/2019, I made a complaint to Bank of America regarding my escrow tax payments and how the amount set by the underwriter was grossly incorrect. The underwriter used a tax rate of 1.25 instead of .85 for my district. He also used the sales price instead of the assessed value. This caused my escrow tax payment to be {$230.00} higher than it is supposed to be ( {$520.00} ( XXXX+XXXX ) instead of {$280.00} ( XXXX+XXXX ) for taxes and insurance ). I have made several calls to Bank of America to fix this including two office visits in DC ( XX/XX/XXXX ) and in XXXX XXXX Maryland ( XX/XX/XXXX ) .In both visits I faxed my tax information to the mortgage department.I currently have my tax bill which must be payed between XX/XX/XXXX-XX/XX/XXXX. It is XXXX for the first half of the year. My escrow account has already accumulated over {$3500.00} in escrow tax in the period of 6 months. I have enough escrow tax in my account to pay the entire year. It should not be this difficult to get my escrow tax adjusted when the bill/rate is publicly available and is updated.
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I pulled my credit to myself because I was alerted by my social security card getting lost and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.
Consumer complaint received 2020-03-09
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting lost and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.
Consumer complaint received 2020-03-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (MI)

I paid off my auto loan on XX/XX/18, and my final payoff was overpaid. I over paid the loan by approximately {$850.00}. 

I have been working to receive a refund for my over payment since XX/XX/2018 with Suntrust, and they have told me on numerous occasions that they do not see an overpayment. During my initial calls to them, I was told a refund check was sent out, yet I never received it. After the second call to them, I was then told that no money was due to me. 

I have requested a transaction history of the account, and they are showing that my payoff amount was for {$7600.00} on XX/XX/18, when indeed the payoff check was for {$8500.00}. I have bank records to prove the amount, and have faxed them in twice upon request. 

I have called Suntrust 8 times over the past 15 months, and after the second call, began keeping track of the calls with ticket numbers. 

Call Ticket Numbers Call 1 : Unknown Ticket Number Call 2 : Unknown Ticket Number Call 3 : XXXX Call 4 : XXXX Call 5 : XXXX Call 6 : XXXX Call 7 : XXXX Call 8 : XXXX Account : XXXX Fax payoff conf : XXXX Fax history conf : XXXX
Consumer complaint received 2020-03-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AVANTE (VA)

I received documents yesterday in the mail, after having been contacted by phone earlier in the week by Avantee. I told the callers that I would wait until I saw the physical evidence of the outstanding bills and that I wouldnt be paying them by phone. 
One reason I said that is because my hospital stay, which these bills are related to, was more than two years ago. I did explain in the phone conversations that I had paid my portion of any and all bills that Id received. This one, in particular, I never received not only an original, but I never received any type of follow-up that it was past due not from the practitioner, nor from XXXX, my insurance carrier at the time. The first Ive heard about it was now that its been sold to this organization.
Consumer complaint received 2024-03-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (NC)

On XX/XX/XXXX I purchased a XXXX XXXX IS from XXXX XXXX in XXXX NC, financed through ALLY Bank. The representative told me about a warranty that would be beneficial due to the type of car I was purchasing. And that if I didn't want to keep it I Could cancel anytime and get refund. I told him I didn't want the warranty included in my payments so could I purchase it separate with my credit card. I was told yes. Warranty was {$3200.00}. When I signed the contract I noticed the amount {$3200.00} included in the finance charges but he assured me it was not included in the payments amount, it was just listed to show I have it. Fast forward 7 months later ( XX/XX/XXXX ) I totaled the car. I cancelled the warranty but instead of the Warranty company sending me my refund they sent it to Ally Bank, whom had already been paid from my insurance company ( XXXX ) in full for the car. When I reached out to Ally for my portion of the warranty refund they refused to give it to me, saying it wasn't including in the total lost amount that my insurance company paid. My balance was at XXXX $ after XXXX paid them. So I'm not understanding how they kept almost {$2600.00} of my money
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have made several attempts to have the credit reporting agencies update/remove personal information that is incorrect. 
On XX/XX/XXXX, I sent a letter to Transunion requesting they update and remove incorrect personal information. It has been more than 30 days since I submitted this request and after reviewing my credit reports on several occasions the incorrect personal information still remains on my credit reports i.e. also know names as, old employer. 
I also called Transunion on XX/XX/XXXX to once again have this personal information removed and the agent assured me that it would reflect on my report with 24-48hrs. It has been almost a month and the incorrect personal information still remains.

This is creating issues with applying for lines of credit as lenders are using invalid addresses and personal information hence suffering from personal in the form of being unable to secure small business loans.
Consumer complaint received 2020-03-09
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (CA)

I have received a notification that National Credit Adjusters file a collection account on XX/XX/XXXX, their reporting date states the this account was open on XX/XX/XXXX, this account was already open through another collection agency and was under dispute, no mailing notification was sent to me to allow me validation request, as per law allowsme 30 days to do this.
Consumer complaint received 2024-03-24
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CT)

I have tried to use the gift card at multiple locations both online ( XXXX, XXXX ) and in store ( XXXX XXXX, XXXX ) and each time its declined. I tried talking to AMEX and they said its accepted everywhere and just try a different store.
Consumer complaint received 2020-03-09
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 was in the process of buying a ATV for summer fun. As I was looking for the one I liked the sales woman that was helping with the process told me she needed to check my credit to make sure I qualified. When she got my report back she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX  XXXX  XXXX {$810.00} XXXX XXXX  XXXX {$500.00}
Consumer complaint received 2020-03-09
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAINE & WEINER COMPANY, INC. (AZ)

On 2 previous occasions I have reported this company, Caine & Weiner for trying to collect a debt that they have never provided accurate paperwork, ie. original documents with payment history. 

The last response this company sent to myself and CFBP was that they would be sending an accounting of all payments to me and providing this info directly to CFPB, which they have not done. ( see companies response to CFPB complaint XXXX from XX/XX/2020 ) I have not received any documentation other than another bill from them. They have not provided me with any original signed documents nor have they provided me with an accounting of any payments made. 

Also, according to the response Caine & Weiner provided on XX/XX/2020 one account had already been removed from my credit report ... which is not true as it still remains on all three of my credit reports.
Consumer complaint received 2020-03-09
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. (GA)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. There is an account with no name and the acct # XXXX and XXXX XXXX. There are also inquiries on there that are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI EQUIFAX MORTGAGE SOLUT EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX  XXXX/XXXX  JXXXX XXXX XXXX XXXX. I have contact the FTC and local police.
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I was in the process of buying a ATV for summer fun. As I was looking for the one I liked the sales woman that was helping with the process told me she needed to check my credit to make sure I qualified. When she got my report back she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX  XXXX XXXX {$810.00} XXXX  XXXX  XXXX {$500.00}
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent inquiries in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any inquiries listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of inquiries that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-03-09
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. (GA)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. There is an account with no name and the acct # XXXX and XXXX XXXX. There are also inquiries on there that are not mine 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. I have contact the FTC and local police.
Consumer complaint received 2020-03-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (GA)

I went in Chase Bank last year in attempt to open an account and they informed me that several accounts were opened in my name. Then, I contacted Chase Bank about the multiple checking and savings account that were opened fraudulently using my information. I reached out to Chase over a year ago on XX/XX/2019 to get this resolved, and was told to complete the " Identity Theft Declaration of Claimant '' Packet and turn it in within 15 days. I immediately completed the packet and listed all 6 fraudulent accounts that were opened using my information. I need those accounts cleared from my name because I NEVER opened a Chase account, and its messing up my credibility. I can't even open an account with Chase either. All the closed Chase accounts attached to my SSN/NAME weren't opened by me. Please fix this immediately! Ive done my part, i would like for you all to do your part and clear those records from my name! I would like to be able to open up an account with Chase.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Ive had a Capitol One Credit Card since XXXX, in XXXX the interest rate shot up, I requested to have it lowered so I could pay it off. 
I always paid on time, and made minimum payments, then doubled up on payments in XXXX. I had to move under duress and lost my job by XX/XX/XXXX. I have not been able to pay the minimum amount plus interest and late fees. 
I have called multiple times to request a settlement, assistance, and even attempted to enroll in less than optimal programs ( multiple ) to no avail. Ive applied to other Credit cards to transfer the balance and pay it off sooner but Capital One never allowed my credit to recover from this one credit card.

My ex works for Capital One and I believe they are punishing me for leaving that XXXX XXXX marriage with their long time employee.
Consumer complaint received 2020-03-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (LA)

My wife and I are XXXX years old. We have only Social Security for our income and were blessed the be able to find the financing for a new home through the VA at our age. Last XXXX we were offered the opportunity to refinance with Loan Depot.com and reduce our monthly payments. Obviously, we were elated. We managed to buy down our interest rate to 2.75 % at a cost of approximately $ XXXXThis rate dropped within a week of our signing. Our previous loan payment was {$1000.00} and the paperwork on our new loan reflected payments of {$800.00}. 
Unfortunately, our previous loan reflected the actual taxes ( {$1200.00} ) and insurance ( {$690.00} ) with escrow payments of {$150.00}. Our refinanced loan of {$800.00} reflects a total of a {$80.00} contribution to our monthly escrow payments. When we became aware of the discrepancy my wife phoned Loan depot.com and was told we would be responsible for the difference to cover the taxes. 
We have contested out loan since XX/XX/XXXX and have been forced to go through Consumer Protection in order to contact you. The difference in the escrow and payouts will come to approximately {$940.00} the amount credited to our loan amount. 
Due to the delay in the closing of our loan until XX/XX/XXXX you destroyed our credit it dropped by 100 points. You then claimed that you paid the taxes on our property in XXXX and when it was discovered that it was a duplicate payment, you chose to credit those funds to our loan balance. 
When we contacted you, you said the amount reimbursed to our loan could not be held in escrow because it would then have to be returned to us ( which was impossible due to the IRRRL ). As far as I can tell, the escrow shortages will have to be paid at the end of the year. Needless to say, we do not have {$1000.00} available to us and we now have poor credit due to your closing company. We are reaching out to you to work with us to settle this issue. 
An apology for any inconvenience caused us just doesnt cut it. We have not forgotten that according to our contract with Loan depot.com ( and insured by the VA ), it was broken when you failed to pay off XXXX XXXX  within 5 days of closing according to the contract. We are also contesting that we were offered a payment that you miscalculated on all our official documents and signed by us at closing, and that now you plan to raise our payments by over {$100.00} a month above the amounts verified and approved by the VA. We have yet to receive confirmation on the increase which we ask for in writing. We are contacting you through Consumer Protection so we will have a record of your answer.
Consumer complaint received 2023-03-01
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (TX)

I sent GM Financial a letter requesting all documents regarding the account that they are reporting on my consumer reports. XXXX XXXX XXXX XXXX XXXX Its been over 30 days and they havent sent anything and still reporting this account on my credit reports. 

By law they have to send me documents regarding the repo and they didnt. This is a violation and they can not report this account Im demanding GM Financial delete this account for failing to provide proper notices and documents per my request.
Consumer complaint received 2020-03-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

They did not Verify any of the inquiries Information to see if they were correct in listing them on my credit report I asked them for verification ie Written Contracts or verifiable documents I was give none and told that the do not Dispute inquiries that I would have to go to the companys to do so and that is not the law they have to dispute and tell you how it was verified
Consumer complaint received 2020-03-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (MD)

I had a collections placed on my credit report on XX/XX/XXXX. The collections account was placed by Southwest Credit Systems. It states that the original creditor is XXXX. I contacted Southwest Credit Systems by phone, without admitting liability to the debt, or making a payment, they disclosed that the original date of delinquency was XX/XX/XXXX and that the debt was time barred as of XX/XX/XXXX. I plan on sending CFPB form letters to get this information in writing. My concern is that they may be attempting to re-age the debt by placing it on my credit report for XX/XX/XXXX.