davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (SC)

I was a customer at Wells Fargo for many years. I am XXXX years old. My husband passed and left me money in which I had an account at Wells Fargo. The reason for me closing my account at the XXXX location is that they kept taking money for a XXXX XXXX XXXX XXXX  account that nobody could explain to me but was on my bill. I had no credit card. They also never gave me a regular ATM withdrawal card I had a card that was used on my revolving credit line. So when I tried paying for my groceries and would swipe this card, my daughter finally figured out why I was coming up short of money was because of interest accrued by placing every purchase I made on my revolving credit account. This was the only card I was offered. Several times I went to the bank to meet with them and discuss what I could be doing wrong. Several times they said they would fix my problem. They still send me runs today.
Consumer complaint received 2019-12-19
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. (WA)

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$16000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle that was purchased had broken down and was deemed a total loss. I had GAP insurance and the total cost of the vehicle was covered by this insurance. There is no outstanding balance due and consequently nothing to collect or charge-off. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to have this line item removed from my credit report however, I have not been successful.
Consumer complaint received 2019-12-19
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. (TX)

I recieved a copy of my credit report an saw these accounts, i tried disputing them with the companies themselves but i have not been successful.The following accounts i would like removed from my credit report : XXXX XXXX {$28000.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$130.00}
Consumer complaint received 2023-01-15
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: Experian Information Solutions Inc. (CA)

Hello, I've submitted my dispute to the bureaus multiple times and they have yet to give me a fair investigation. I believe their responses are automated when I do receive letters all they do is mark it " VERIFIED AND ACCURATE '' and when I request for them to tell me how they came to that conclusion I NEVER EVER get a response back. 

I need a fair investigation because it is my right. 

Since the bureaus have yet to do their job I need these items that don't belong to me to be deleted ASAP!
Consumer complaint received 2019-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX and 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo closed my business account wrongfully and they didnt provide a reason and after a month Wells Fargo just sent {$12.00} fees for excess withdrawals.When I called customer service they said there is nothing they can do.
Consumer complaint received 2019-12-19
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: BBVA FINANCIAL CORPORATION (TX)

On XX/XX/2019 a charge was made to my credit card by mistake. When realized, the company was contacted and placed the charge on the appropriate persons cc, and tried to credit mine back. On XX/XX/XXXX the merchant tried to refund my account, but it was denied. On XX/XX/XXXX my bank acct was drafted, but I did not have sufficient funds so I received charges and interest penalties. When I became aware, I contacted the bank and the merchant. The merchant tried to credit the card again on XX/XX/XXXX, and again it was denied. They told me to dispute the charge with my cc company, and they would accept the charge back. I did this. After talking with multiple representatives and being told various lies, the charge is still on my card and nobody can give me an answer. I was lied to, being told the charge would be removed during the dispute process. It was not. They charged me for the amount again, and keep giving me different answers. The charge in dispute was for {$1800.00}.
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

Carrington bank and XXXX XXXX  are reporting remarks that state " reaffirmation of debt '' this is in accurate information it was just reported by carrington bank XX/XX/XXXX to all the credit bureaus i have disputed with XXXX  and XXXX  this remark should not be on there in addition, XXXX  is showing the same remark from XXXX  XXXX   which that account was sold to carrington in XXXX of XXXX. I filed bankruptcy in XXXX and it was discharged in  XXXX but this remark appeared when I tried to dispute some late payments through chase in XXXX of XXXX and now chase sends a " file '' to carrington which when i called they couldn't tell me what was in it and marked all of my credit reports with the remark " reaffirmation of debt '' under remarks with carrington and they refuse to take it off. This has dropped my credit score 63 points on the XXXX of XXXX and in XXXX of XXXX when XXXX did it my score dropped 79 points with transunion My mortgage now with carrington is NOT late nor has it ever been late ... I have never signed a reaffirmation of debt with carrington and I am NOT going through a bankruptcy I am trying to fix my credit and it was on a good track and this destroyed it I have no idea why this was added and I want it removed carrington is refusing and this is inaccurate information. 

I have submitted a copy of my discharge paper from XXXX and I must have done some kind of reaffirmation with chase at that time I kept my home but this is well past the statue of  limitations and XXXX should not have added that comment in XXXX of XXXX ... and we did not do this with carrington they just bought our loan in XXXX and I am not currently going through a bankruptcy so why did carrington add this? 

I have also included the original letter i sent to chase in XXXX of XXXX to ask for late payments to be removed and this is when the reaffirmation of debt appeared on my chase remarks this letter has nothing to do with reaffirmation of debt i was asking for late payments to be removed
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-01-22
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: WELLS FARGO & COMPANY (FL)

WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date open XX/XX/XXXX, XXXX XXXX, XXXX WELLS FARGO XXXX XXXX has committed Securities Fraud and identity fraud. They have taking Securities out in my name without my consent.They have used my name without my consent, which is identity theft. My XXXX XXXX XXXX has repaid all debts..
Consumer complaint received 2019-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX  XXXX Amount XXXX Open XX/XX/19 Fraudulent account just received first collection letter in mail on XX/XX/2019 from XXXX  This account from XXXX was handled by a different company and has been paid up to date already I talk to XXXX they said they never sent account to XXXX  XXXX  they dont no how they got this account because account it paid and aargon is fraudulent
Consumer complaint received 2019-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have a capital one visa from cabelas ending in XXXX ... on XX/XX/XXXX I was 29 days past due and my past due amount was of XXXX..I made a XXXX dollar payment via ach that covered this XXXX dollar past due which since I made a payment on XX/XX/XXXX my account should be current..Unbeknown to me there was a limit with the amount of ach transactions with my credit union and the payment had a problem going  through..Capital did not inform of me this issue and once I found out on XX/XX/XXXX I made a payment via debit card..Because of this issue capital one reported to credit Bureau 30 days past due for XXXX even though I went online on XX/XX/XXXX to take care of balance..requesting capital one remove 30 day late payment since I went on line to make payment before 30 days past due
Consumer complaint received 2023-01-22
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. (NJ)

On XX/XX/XXXX I received a copy of my credit report to ensure all information is accurate and legitimate. I notice XXXX XXXX is reporting false and inaccurate information to XXXX XXXX XXXX XXXX XXXX, PA XXXX, Equifax XXXX XXXX XXXX XXXX, GA XXXX, and XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX 

The information they are reporting is inaccurate and a violation of HIPPA privacy. 
XXXX XXXX account # XXXX, XXXX, XXXX two are DUPLICATED on the Credit Reporting Agencies Someone else personal medical information is online with the above companies. I am asking this matter be investigated and validated. According to federal law 15 USC 1681 s-2 ( 9 ) this is a violation of my right. 

This account was part of a I.D . theft claim that I previously reported, this is a violation of reinsertion requirements due to the Credit Reporting Agencies having allowed it back on the credit report. They have violated 15U.S. code 1681i Also XXXX continue to report XXXX XXXX Account # XXXX on my credit report.
Consumer complaint received 2023-01-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (FL)

WELLS FARGO DEALER SVC XXXX XXXX XXXX XXXX, NC XXXX DATE OPEN XX/XX/XXXX, charged XXXX XX/XX/XXXX WELLS FARGO DEALER SVC has committing XXXX  XXXX and XXXX XXXX and holding back my title to XXXX XXXX XXXX have taking Securities out in my name without my consent.WELLS FARGO DEALER SVC has used my name without my consent which is identity theft. All debt is repaid and paid in full
Consumer complaint received 2019-12-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Service Bureau, Inc. (IA)

I contacted General Services Bureau on XX/XX/2019 concerning a medical debt that I had been paying off. I called to confirm the amount owed on the debt. While on the call I was notified that there was another medical debt that the company had on filed that remain unpaid. I was unaware of this debt and have not been provided any notification regarding this debt. The customer service contact provided me some basic information and it was at this time that I requested more details to verify the debt owed. I informed the customer service agent that I currently reside outside of the U.S. and was informed that they couldn't send mail outside the U.S. I then requested for the information to be emailed to me which I was told that the company does not send emails or faxes. I requested to speak with a supervisor. I was transferred to a supervisor by the name of XXXX. I informed XXXX that I was unaware of this debt, that I was disputing the debt, and that I was requesting additional information. XXXX informed that they couldn't provide me any information to an international address. I informed XXXX that under FDCPA I have a right to request this information. He indicated that the FDCPA doesn't mandate that they send to international addresses. I asked him what I was supposed to do since they won't send it to me by mail or email. He said they couldn't send it to me because FDCPA isn't the only rule they have to abide by. They also have to follow HIPPA regulations. I informed XXXX that HIPPA regulations do not prevent the use of email and this was a company policy direction by General Services Bureau. XXXX refused to work with me and the call was abruptly ended.
Consumer complaint received 2019-12-19
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: ONEMAIN FINANCE CORPORATION (FL)

i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. i must have been the victim in a cyber hack or identity theft.

these non-account holding inquires with : XXXX XXXX card, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, one main, XXXX XXXX, XXXX- XXXX XXXX-XXXX XXXX XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.
Consumer complaint received 2019-12-19
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. (AR)

Equifax will not remove paid collections from credit report even though XXXX has already done so. I have a letter from the collection agency " pay to delete '' stating that they have submitted my collections to be removed from all three credit reporting agency since they are all XXXX balances.
Consumer complaint received 2023-08-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MoneyLion Inc. (UT)

I had called and talked to one of the customer care reps because I wanted to payoff my XXXX XXXX XXXX XXXX and take out another loan and was told that I could do that but that I just needed to pay my membership fee to qualify and that once the loan was paid off it would take 2 days to clear out. I met all of the qualifications but then they told me I no longer qualify because I needed an outside account and that account would need to have 2 months of automatic payroll deposits. I told them that had I known that info ahead of time I would have handled the payoff different and I would have not paid the membership fee. I have attached a file where they tell me that I can get another loan if I choose yet the application would allow me in
Consumer complaint received 2023-01-06
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. (FL)

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek grand jury on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties.
Consumer complaint received 2023-01-22
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Date open XX/XX/XXXX XXXX XX/XX/XXXX Credit limit {$2200.00} past due amount {$2500.00} XXXX CARD has committed Securities Fraud against me and has take Securities against on me without my consent. XXXX XXXX has stolen my Identity and taken Securities against my name.
Consumer complaint received 2019-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC. (DE)

This is a follow-up compliant to one I sent in XX/XX/XXXX. The bank replied in XX/XX/XXXX and that reply was unsatisfactory. I attempted to reach out to the bank and left a message for the person who signed the response letter. I also added feedback on the original complaint, which has also gone unaddressed. I have attached the complaint and accompanying feedback as well as the original response to this complaint. I have also attached my transaction history since XX/XX/XXXX when I thought that I had paid in full. 
In XX/XX/XXXX I called to make the payment and XXXX out the account because I was fed up dealing with the bank. The accepted my payment and I thought I was finally done, but nope not with HSBC. The continue to charge me returned check fees for payments that they are trying to remove from a bank that has been incorrect since XX/XX/XXXX or XX/XX/XXXX. They have been repeatedly told this but refuse to delete the bank account and instead try to take money from it causing returned payments and subsequent fees. The calls that I have had with the bank have been nothing, but headaches and I refuse to deal with them directly any longer. 
I want the account marked paid in full as of my payment in XX/XX/XXXX and the fees that have accrued since. Additionally, since I dont owe these fees I want my credit report updated to reflected the paid in full in XX/XX/XXXX and the delinquencies removed. I would remove the bank account myself, but since the credit card account is closed the ability to do so has been removed ( or at the very least I do not know how to do it and no one has told me ). I would be willing to pay the current balance just to be finished with the bank. However, I would only do that under two conditions. 1. I receive assurance in writing that no further charges will accrue on my account and 2. My credit report is updated to remove all delinquencies back to XX/XX/XXXX. This is not intended to admit that I owe these fees. This is clearly a bank error, or perhaps it is intentional to get more revenue, regardless I want to be done with this headache and move on. The correct resolution that should occur is the fees waived/removed and the delinquencies removed and my credit report updated as paid in full in XX/XX/XXXX.
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Midwest Recovery Systems (FL)

This account does not belong to me as I keep track of my accounts. There was never any mail, phone calls, or emails to notify about account. The XXXX has notified consumers of this account a high level of reports of fraud. The phone number provided is not accurate as I continue to receive busy signals. I am requesting to please remove this account as it continues to affect my score. I have also consulted with a lawyer and was asked to also take this step. All three credit bureaus have been notified as well. Thank you. 

XXXX  Link : https : XXXX Collections agency commiting this fraud : MidWest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX USA ( XXXX ) XXXX
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

Hello, Citibank currently currently owns my loan with the following account number : XXXX.The loan has been discharged and I am currently making payments to XXXX XXXX XXXX ( as the attached paperwork will show ). 

Unfortunately Citibank is still reporting missed payments even though the loan is being serviced through a debt collection agency. I have attached my most recent consumer credit report as well as my payment history from XXXX XXXX and the response that Citibank had sent me when I initially challenged this -which you will find in the previous case. 

Citibank claimed they are not reporting on my credit which is'nt true, Citibank reported I filed for bankruptcy which isnt true, Citibank stated they sold my loan which they didn't I need to have these payments removed from consumer credit report and an updated letter from Citibank stating their intention to do so.Any help would be greatly appreciated