davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-09
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: WELLS FARGO & COMPANY (LA)

I continue to be contacted about an 11 year old Wells Fargo debt that was settled six years ago in collections. 

I've had at least three new collections agencies call me and threaten legal action in the last year. They say they have mailed me a summons, they say someone has come to my house with a summons and I ignored them. They say I will be taken to court and my wages garnished. Now a new one is calling. They call and disturb my mother 's house. The new # is XXXX They start yelling on the phone and talking over you when you try to explain that it's taken care of. They tell you it's too late. You tell them to take your number off their list, they continue to call and bother my mother. They are even calling my sister who has an old phone # I haven't used in almost 10 years. 

It seems there is no way to stop this never ending cycle and it's all Wells Fargo 's fault, since they were hacked it's all started happening.
Consumer complaint received 2020-04-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

For 11 years I have been trying to help with my mortgage I'm currently in. It is a fluctuating mortgage started with " XXXX  XXXX XXXX  '' which never worked with us then sold to " Bank of America '' who now is our mortgage lender. 
They will not issue us a fixed affordable mortgage rate. The loan was originally {$190000.00}. + a {$50000.00} balloon mortgage. ( which at the time I was lucky enough to pay off the balloon mortgage ) Currently because we tried fixing this with them, they increased the loan to approx. {$210000.00}. That's the help they gave us to put me more in debt. I'm currently at almost 7 % on my rate. The home is now valued at around {$110000.00} and is decreasing more and more in value over the years. Now I'm cut back at work about 12 - 20 hours a week because of this pandemic ( covid - 19 ). 
Every time I have attempted to contact the Bank it is jumping through hoops to get in contact with someone to help. They repeatedly mention they're a debt collector .... Then once you do get a rep on the phone they purposely make it a way to be intimidating over the phone making it impossible for me to talk to them as well. 
Today I tried speaking with the again about the potential help I can receive in regards to the mortgage and they want you to do it all online. So I set up the ID and now there's a 5 day wait for a password to log in and even try to put through my application. This is a stall tactic on their behalf and I do not have time nor can afford this. I'm going to get behind on payments and this is devastating. 
I appreciate any help or guidance you can help me at this time!
Consumer complaint received 2020-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/XXXX of 2019, I transferred {$1800.00} from my own personal XXXX account to my own personal Capital One Account. In that process I had accidentally switched the last two numbers of the account number and the wire was sent off, even though the last two numbers of the account number was switched I had put my own name as the recipient and in the notes I said " to myself ''. Capital One did not cross-check the names and it has now led to this mess. For the past 6 months I have called Capital One numerous times, I have gotten a range of answers including that they found the money and would send it or that they didn't know where it was. I don't feel like I have been treated properly as a customer and was continuously told that I had to wait until I called them a week later and they said they were still " working on it '' for the 6 months. That amount of money has been sitting in my credit account and they gather interest from it. The most recent note I've gotten from their call personnel was that they don't know what account it went to, but I have the account number of the mistaken recipient since it's my own with the last two digits switched.
Consumer complaint received 2021-03-15
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: AVANTE (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2020-04-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (WA)

I bought this car in 2018 XXXX, first the dealership sold me the car charged me higher than the market rate of the car as I was the first tine buyer. Then the interest rate was given was 28 % because my credit score was low and I told them I want to use the car for XXXX/XXXX. The dealership did not give a choice on choosing the car either and took advantage of my situation, when I said that the interest rate is very high then they told me that you can refinance the car after Paying 8 to 12 installments. Which was a lie because the finance company they hooked me with refuse to refinance the car after I made 13 payments. Now due to coronavirus I am unable to work and asked for a gold on my auto loan which is not taken into consideration. I tried to refinance the car with other banks and credit unions but they refuse to finance this car as it is e most basic car has no options and the value of the car is only XXXX $ where they sold me this car for XXXX $ plus XXXX $ interest for 72 months. After paying 13 installments of XXXX $ and down payment of XXXX XXXX I still owe the finance company XXXX XXXX And on the other hand this has not even helped me with my work with XXXX/XXXX  as this cars fuel consumption is very high. While I was trying to get the car refinanced I have learned that the dealership has scammed me on the price of the car, the interest and also in rebate. I am stuck with this car and not getting any help from any bank or credit union.
Consumer complaint received 2020-04-09
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: SYNCHRONY FINANCIAL (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-04-09
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi! 
My XXXX card is expired since XX/XX/XXXX so I'm not able to use it. XXXX deposit my unemployment last Monday XXXX XX/XX/XXXX XXXX and I'm calling since then but without success. All I need is a new card.
Consumer complaint received 2020-04-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

On XX/XX/2020, I was contacted by a representative from Quicken Loans regarding a XXXX XXXX  refinance of my home. My current loan is as follows ... 30 year fixed, 3.375 %, approximately 140 payments remaining of $ XXXX, payoff approximately {$350000.00} ... This representative called me stating he saw that I had recently spoke with another Quicken Loans representative, but felt he could offered me a refi that would be to my advantage ... This guy offered me the following ... New 30 year fixed, 2.75 %, payments of $ XXXX, new payoff {$830000.00} ... He said all that my out of pocket expense would be {$300.00}, for an appraisal fee ... He then had a lady call me to e-sign the preliminary loan application ... The only thing that prevented me from going through with this was asking the 2nd person questions she was unable to answer ... At that point I asked to reschedule to XX/XX/2020, but I have a copy of the contract that they wanted to trick me into ...
Consumer complaint received 2020-04-09
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: SLM CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : SALLIE MAE XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-04-09
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: EQUIFAX, INC. (LA)

in XX/XX/2020 I was apprised of Many MAJOR Negative accounts being reported on all 3 CR bureaus, all due to Theft of my Identity. I disputed MANY times, even Completed the XXXX ID Theft protocol, submitted to Each & Every creditor & All 3 CR bureaus my official statement & Declaration from the XXXX declaring my Identity had been compromised. Only 2 Creditors accepted & Removed said derogatory reoortings. The CR bureaus VERY Hastily " Completed '' their " investigation & in their Opinion, I was WRONG & False Derogatories Remained. There are Several negative reports spanning LONGER than the legal 7 years. There are also approximately 75 Credit Inquiries which I Never Approved nor instigated which has been Equally Detrimental to my credit rating, which they REFUSE to Remove these callous & malicious acts it has Cost me Financially, both by Employment, Housing & vehicular purchase. PLEASE HELP!
Consumer complaint received 2020-04-09
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. (FL)

I have check my credit. I notice Accounts that I did not Authorize, how this happen I cant understand how Can Companies Allow. What happen to Verifying and do diligence. however I did not give any consent to have these Accounts open theses Account are not Valid and I want them removed of my credit
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (PA)

XXXX XXXX and Resurgent are sending me emails to collect a debt from a card which is fraudulent. They are sending me a bill and inside the end Ill a person named XXXX attached a smiley face emoji to it which alerted me that this was most likely a scam. However, this is effecting my credit because there is a negative mark on my credit showing this is an outstanding collection. I also believe that once I paid out my XXXXXXXX XXXX  debt recently someone took my information and used it to XXXX this fake bill. XXXX was bought by Resurgent and I believe that they are giving out information or unsecured. Please contact me to get this matter settled.
Consumer complaint received 2020-04-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc (FL)

I purchase four purses on XX/XX/2020 for {$110.00} in total via Paypal, which is linked to my primary checking account. The merchant never shipped the purses and instead charged my account twelve times for {$9.00}. The total deducted from my banking account was {$110.00} which was NOT authorized ( I authorized {$110.00} ), nor did I get my purses. I went to check on the status of the order and the merchant appears to be out of business as their website isn't coming up now. Paypal denied my dispute in case XXXX and I can not get refunded the {$110.00} even though I never got my merchandise and the merchant appears to have ghosted. I've filled out a new case request of XXXX. Please help!
Consumer complaint received 2020-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

My XXXX XXXX XXXX daughter, while away at school, was the victim of a financial scam. We have notified local law enforcement & the university. The complaint is that USAA Fraud without contacting anyone in the familly made an adverse action and has sent her to collection. USAA in bad faith has refused to provide us with a direct number to " Fraud ' stating that there is none. They also intially offered us an " appeal process '' and then stated there is no " appeal process. '' We have spent over 30 days trying to contact them to provide them with any information they needed to reverse their collection action. USAA has acted in bad faith and has refused to address this issue with us. The only people that " would answer their phone '' was Collection. The few front line staff that does answer the phone stated that they see this all the time, USAA is aware of it, they do not care and they refuse to take any action to protect their customer, the consumer.
Consumer complaint received 2021-10-14
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. (NC)

Hello, Ive wasted a lot of time trying to get this matter resolved, they are a few items on my credit report that I do not recognize with incorrect information. I tried to get in touch with the Credit Bureaus several times and got no answer.
Consumer complaint received 2021-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

CapitalOne provided me with false information about keeping my account open. On XX/XX/2021, I was told by an account specialist ( employee number XXXX ) that all I needed to do was replace my expired credit card in order to keep my account open. I ordered a new card and they still closed the count permanently, which will negatively effect my credit.
Consumer complaint received 2020-04-09
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. (LA)

in XX/XX/2020 I was apprised of Many MAJOR Negative accounts being reported on all 3 CR bureaus, all due to Theft of my Identity. I disputed MANY times, even Completed the FTC ID Theft protocol, submitted to Each & Every creditor & All 3 CR bureaus my official statement & Declaration from the FTC declaring my Identity had been compromised. Only 2 Creditors accepted & Removed said derogatory reoortings. The CR bureaus VERY Hastily " Completed '' their " investigation & in their Opinion, I was WRONG & False Derogatories Remained. There are Several negative reports spanning LONGER than the legal 7 years. There are also approximately 75 Credit Inquiries which I Never Approved nor instigated which has been Equally Detrimental to my credit rating, which they REFUSE to Remove these callous & malicious acts it has Cost me Financially, both by Employment, Housing & vehicular purchase. PLEASE HELP!
Consumer complaint received 2020-04-09
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. (FL)

To Whom it May Concern : Me And my Husband Mr. XXXX XXXX was Victims of a Home Invasion in Our Home, many things was Stolen, such as TV Computers, passports, Identification SS # ETC we Made A police Report, But I did Not realize that these Criminals would Commit Crimes Using my Name to Open Fraudulent Accounts. These Accounts was Not Authorize by me Nor My Husband Attached are My ID # SS # and Police Report
Consumer complaint received 2020-04-09
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: Experian Information Solutions Inc. (IL)

Experian has failed to remove the following account from my credit report after XXXX  and XXXX  has deleted the following accounts. Experian still have these accounts reporting and that is a direct violation under the FCRA section 609. I will seek damages under the FCRA and FDCPA if these account are not deleted immediately Account Name XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX # XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Record Type Chapter XXXX bankruptcy XXXX Date Filed XX/XX/XXXX Date Resolved XX/XX/XXXX Responsibility Individual Reference Number XXXX
Consumer complaint received 2020-04-09
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: Experian Information Solutions Inc. (MI)

I want to start by saying thank you for looking at the items I sent in for investigation to XXXX, XXXX, Experian and XXXX XXXX.Upon investigating the accounts, I investigated directly from the source furnishing the data in this case the Bankruptcy U.S. Bankruptcy Court for the XXXX XXXX of Michigan, to you to ensure that everything matches up as well. Upon looking at the history between all XXXX credit bureaus, I wanted to point out the inconsistencies in the reporting in the following accounts 1. Chapter XXXX Bankruptcy Case Number : XXXX -XXXX  Errors Found : The Date filed is inaccurately reporting at both XX/XX/XXXX and XX/XX/XXXX. How can it be both? The reference number is inaccurately and has listed XXXX difference numbers as follows : XXXX and XXXX. In addition the closing date is being reported in accurately and listing XXXX different dates as follows ; XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX. Even the court that is being listed inaccurately there are XXXX different listings this is a clear violations. It is being listed as : U.S. Bankruptcy Court, XXXX XXXX XXXX XXXX XXXX, and XXXX, this reflects a series error in your reporting. The Liability and Exempt amount is listed as XXXX which is also inaccurate. 

Action Requested : Please Delete this Inaccurate public record from my credit report. 

I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent XX/XX/XXXX I asked them to delete anything that is not 100 percent accurate. I contacted the court and and have enclosed the letter they sent to me saying the dont furnish information to any credit bureaus. The third party is providing you inaccurate information. 

This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. They stated it was verified. How is it possible that XXXX, XXXX, and Experian all verified the public record above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation.
Consumer complaint received 2020-04-09
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. (CA)

My husband and I are trying to buy a house and today XX/XX/2020 the agent ran our credit to see how much we would qualify for ; I saw several accounts and inquiries that do not belong to me. The accounts and inquiries are from many different companies that I am not affiliated with in any way. I do not have any written or verbal contracts with any of those companies and I did not benefit anything from those accounts that were opened in my name without my permission such as money, goods, services or any other benefit nor did I ever make any payments towards any of those accounts. I did not allow any of those accounts to be opened in my name therefor I have filed a police report in regards to all these unauthorized accounts.
Consumer complaint received 2022-12-29
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. (NV)

This is my XXXX  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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX