davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (DE)

We received a call from Wells Fargo Auto Finance with no extra information. All the caller did was introduce himself and tell us he doesn't have any information on the missing GAP payment and said he needs more time. IT HAS BEEN ALMOST 2 MONTHS. WE NEED THIS LOAN RESOLVED. WE ARE DONE WAITING. WELLS FARGO IS STEALING MONEY AND I'M NOT ACCEPTING IT. I WANT TO KNOW WHERE THE PAYMENT WENT IF IT WASN'T APPLIED TO THE ACCOUNT.
Consumer complaint received 2024-03-20
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. (PA)

I've consistently made sure that payments on this account are on time, never allowing them to be overdue. I'm uncertain about the reasons for the late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-23
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: AR Resources, Inc. (VA)

I received a bill in 2018 from XXXX XXXX XXXX XXXX for XXXX I reported that it was not my bill because it is a bill for a XXXX XXXX XXXX which is not me. I told their billing that all my medical concerns go to my medical insurance ( XXXX or XXXX ) and that it should be sent to them. they called me back and said it was rejected by both insurances. I said, of course because I am not XXXX, XXXX XXXX. They ignored me and put this bill on my credit. i have continued to fight this through the years constantly saying this is not my bill, I am not XXXX, XXXX XXXX, never have been and never will be. When ever I have a medical concern i always send it to my medical insurances. no one has listened to me through the years. so I am now coming to you. 
This bill has been listed on my credit twice and they keep updating this account to make it a recent legal account which is not in my name. Tried calling creditor about this account and they refuse to take it off even though it is not mine. i called the credit reports about this and they refuse to take it off also even though it is not in my name and it is not my bill.
Consumer complaint received 2023-06-26
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

In accordance with the fair credit Reporting act, has violated my rights. 
1

5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor ma
y not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MT)

BELOW IS THE INFORMATION FROM XXXX; I DISPUTED, AND ACCORDING TO XXXX, IT IS A LEGIT CHARGE, WHICH IS NOT, AND I AM FED UP WITH THIS. NO ONE SENT ME DOCUMENTS. I TRIED TO CALL THIS COMPANY, AND THEY ASKED FOR A CASE NUMBER, WHICH I DON'T HAVE. I SEE THE ACCOUNT WAS OPENED IN XXXX, WHICH IS NOT LEGIT. PLEASE HELP ME I DONT KNOW WHAT ELSE I CAN DO. THESE ISSUES HAVE BEEN GOING ON FOR THE LAST 5 TO 6 YEARS NOW. I HAD OTHER DEBT COLLECTORS CALLING, AND I EXPLAINED TO ALL OF THEM THIS IS NOT MINE. THEY SEEMED TO IGNORE AND SELL TO OTHER DEBT COLLECTORS, AND SO ON. NOW, IT IS GETTING TO THE LIMIT BECAUSE THIS IS NOT TRUE AT ALL. I HAD DEBTS IN THE PAST I RESOLVED WITH THE CREDITORS, AND I GUESS THEY GOT MY NAME FROM MY HARDSHIP TIMES AND DECIDED TO PLAY WITH IT. WHAT CAN ONE DO IF EVEN THE CREDIT BEAUROU DOES HELP US? PLEASE HELP ME I AM BEING TRULY HONEST HERE. THESE PEOPLE ARE RUINING MY CREDIT.

Account Number
XXXXXXXX
Name
LVNV FUNDING LLC
C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX
Date Opened
XXXXXXXX  (FRAUDULENT) I NEVER OPENED AN ACCOUNT ON THIS DAY/NOR WITH THIS BANK
Responsibility
Individual Account
Account Type
open
Loan Type
DEBT BUYER
Balance
$XXXX  Last Payment Amount
$XXXX  Original Amount
$XXXX  Original Creditor
XXXX XXXX (Financial)
Past Due
$XXXX
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-06-26
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)

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. 

Account name : XXXX XXXX XXXX  Account XXXX Account name : XXXX  Account XXXX Account name : XXXX  Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX Account XXXX has violated my rights. Or list of inquiries 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 2023-05-13
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)

This is my 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, AR XXXX ; XXXX XXXX XXXX # XXXXXXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$2200.00} ; XXXX XXXX Balance Owed : {$560.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$560.00} ; XXXX XXXX  Bankruptcy Reference # : XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-13
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. (CA)

This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$17000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor Name XXXX XXXX XXXX XXXX ) XXXX  Balance {$720.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX i deposited a US Treasury Check given to me by the US Marshalls Office from the US District Court in XXXX XXXX, CA. When i deposited the given check ( {$73.00} ) it was accepted without any issues. 10 Months later ( XX/XX/XXXX ) and i am being deducted {$73.00} plus {$12.00} for a return fee, totaling {$85.00}. No explanation or reason has been provided to me as to how a valid government check is labeled as " Altered/Fictitious ''. It was a valid government check provided to me by the US Marshalls Office for participation in a Court proceeding.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX reported my account as past due 90 days because I did not renew my income-based repayment plan. However, the documents were sent to XXXX on two occasions. I verified that the repayment plan was approved but they still reported my account as delinquent.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2019-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

In XXXX on XXXX XXXX, 2019, I was overcharged {$480.00}. XXXX. I contacted Capital One immediately and explained. They processed it as fraud instead of an overcharge and removed it- only to recharge it on XXXX XXXX when they decided it wasn't fraud. I called again and explained the same story I had at first- that it was an overcharge. They removed it again on XXXX XXXX and waited for a response from the retailer in XXXX. However, on XXXX XXXX, they re-billed the amount after receiving a receipt from the store. They sent me the documents provided, and the receipt 's signature doesn't even resemble my name, let alone my signature. I provided all the documents they requested to fight the charge again- a signed and dated letter including my case number, the merchant 's name, date of transaction, disputed amount, a description of what I have done to fight the charge, and a copy of the receipt I was provided at the time of purchase. They once again removed the charge when they received my documents. However on XXXX XXXX, they put it back on my statement saying they didn't receive the necessary documents. Apparently, my receipt ( which is handwritten because they claimed to be out of credit card tape ) is a non-return agreement instead of a receipt. It is in XXXX, so I was unaware of this ; however, it does have the correct charge on it of {$25.00}. However, Capital One won't use it as proof of overcharge since it isn't an actual receipt ; yet, they are using the forged receipt from the retailer as proof of purchase because " they aren't signature experts ''. Supposedly Capital One is sending it to another department for investigation but won't remove the charge. So my bill is due XXXX XXXX, and I am looking at interest charges or late charges that will damage my credit if I don't submit payment. After doing some research, I have found many other Americans who have had this same thing happen when traveling out of the states. Apparently, it isn't isolated to XXXX, and around {$500.00} seems to be the amount overcharged. I assume it's low enough that customers don't seek legal action that would cost even more. The retailers seem to have found the perfect scam that credit card companies allow based on their legal agreements and requirements for overcharges that favor the retailers over their customers.
Consumer complaint received 2019-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One does not link to my XXXX XXXX. 
I spoke numerous times with them and they are the only company/bank that does not link to personal capital. 

Today I spoke to XXXX, employee ID XXXX who would not let me speak to his supervisor ( XXXX ) about this issue. 

I am including an article ( from 2018 ) about this issue. 

CapitalOne just simply does not care XXXX XXXX XXXX
Consumer complaint received 2023-03-01
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: Experian Information Solutions Inc. (TN)

in accordance with the Fair Credit Reporting act 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 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I am writing to dispute the following information that appears on my Equifax consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-14
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: Experian Information Solutions Inc. (CA)

I have reported this issue to the credit bureaus by sending certified letters to each credit bureau. My attorney has sent documents and second notices to the credit bureaus and no response from either credit bureau. It has been longer than 60 days no response. my attorney has been working to resolve this issue but has been unsuccessful. The credit bureaus falsely updating information without investigating
Consumer complaint received 2021-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (WA)

This is not specific to one transaction. I use a business American Express card a lot, and have to dispute charges every month or two. American Express makes it nearly impossible to obtain updates after filing a dispute. Their website will show a dispute that is in process, but once " resolved '', it does not tell you what the resolution was. It only states " We have completed our investigation. Please refer to the communication we sent. '' The main issue is that American Express is not sending me communications. I have no idea if they ruled in my favor or in the merchants. I have to call customer service and fight through their phone system to get an update. And more than once, they have ruled in the merchants favor because I did not send information " that they requested '', but again, they NEVER send me any communications once a dispute is open. And since they never told me their decision, sometimes by the time I find out they ruled in the merchant 's favor, it is too late for me to reopen the dispute. 

Their inability to communicate must be violating the FCBA by not informing me of dispute status and resolutions.
Consumer complaint received 2019-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/2019 Called to BOA at XXXX on hold for over 35 minutes as BOA could care less when they leave customers on hold over 35 minutes as this is a part of the sloppiness and intentional poor service due to careless attitudes to the top of their chain. They will do everything they can to not assist over the phone as they feel you are wasting their time as they dont customers are worthy. After informed rep over the phone of a unauthorized transaction from my checking account of XXXX from a co I didnt recognize or approve of transaction. Transferred me to a XXXX whom refused to provide his last and said hes not required, as last provided her last name. His id # XXXX-he refused to acknowledge the issue and asked same question 3 times-was I familiar with this company XXXX XXXX XXXX XXXX I said NO, he said same co withdrew XXXX in XXXX as I told I dont know who this is and I did not authorize it, since he refused to remove and acknowledge the issue I asked to speak with a manager. XXXX was the manager and refused to credit my act the XXXX that I unauthorized, claimed this is a student loan or collection and said a previous transaction from XXXX came in for a different amount XX/XX/XXXX, I clearly informed her 5 times I dont recognize not approved. She refused to assist and informed me she will closed my and hold my funds of XXXX already in my act. Who do they think they are. BOA had no right. That day I removed my XXXX and closed act due to unfair treatment, refusal to assist, After act closed now they holding my info to it including XXXX access so if I wanted to use XXXX it will deny me because I was registered with BOA, BOA refused to remove. They have no right to hold my funds while a fraud transaction come to my act. I want my XXXX back as they are running a scam to get as much money off of me as possible because of their multiple class actions due to their illegal actions.I checked my act and NO transactions under this name ever came in, they are liars and def not this amount. Holding my funds should be illegal, if a cust reports fraud they hold any additional funds, this is the second time they pulled this scam.Its ridiculous that I have to sit for over 30 min for a rep to answer for assistance or 30 min for someone to call back. Unacceptable.This is their mission, in hopes that their customers will hang up due intentional lengths of time of 30 min or more. Guaranteed you will not receive a rep in under 30 min, a guarantee. Called XX/XX/XXXX spoke with XXXX in Texas as she refused to provide her last name or id # am on hold minutes, asked for a manager as she left me refuse to remove my XXXX act with BOA as they should have. Attached front and back of XXXX transaction. XXXX id # XXXX claimed there are no fraud reports in her system, XXXX is running too many scams
Consumer complaint received 2023-01-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc. (PA)

My loan was sold from XXXX to SST. I paid the loan off in full shortly there after. Its been ten days and although assured by SST, the refund from my locked savings has yet to be received. Like many others my account remains open instead of indicating the account has successfully been closed. Whats more, auto pay is still scheduled to draft payment for {$100.00} for a balance that was already paid in full. I have no capability to turn this off. I gave my personal information in order to receive the wire transfer. Somehow they have the technology to extract funds from my account within one business day but withhold my refund for longer than the time promised when they clearly are capable of completing wire transfers. When you call to speak with someone regarding your concerns you can hardly understand anyone on the other line adding to the miscommunication, stress and frustration of this company. They need better business practices and they need them now.
Consumer complaint received 2019-11-19
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. (UT)

XXXX XXXX XXXX # XXXX is double reporting with XXXX # XXXX on my credit report. I got scammed via my XXXX   XXXX when someone got my info and had {$5000.00} deposited and then told me to send {$2500.00} of that to them via XXXX XXXX. I got a police report number to file but got a judgement. I was served and signed an agreement with XXXX to pay off the rest. XXXX XXXX should be a XXXX balance and I should not have these accounts as they are fraud.