davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2020, I sent credit dispute letters to Experian and XXXX  via certified mail as I saw that my credit report was reflecting inaccurate 30 day late payments ( 2 ) with XXXX XXXX XXXX for an auto loan that was already paid off. I submitted my proof of evidence ( copy of bank statements, emails and CA ID ) of payments, the account numbers, and all the pertinent information that would help the bureaus with their investigation. It has been 83 days as of today and I have yet to hear back from either Credit Bureau. I have been patient but this has gone on far too long. I have yet to hear from the bureaus, and when I tried to do dispute this online, I got an email from Experian stating that the investigation would be completed in XXXX. I don't think its fair to extend the investigation another month, when I've already waited almost 3 months already just in trying to get a response from the bureaus. It is my understanding the under the FCRA, that the credit bureaus are obligated to respond within 30 days to ensure the correctness of the reported information. More importantly, if the disputed items are inaccurate or can not be verified that they are removed from the credit report as well.
Consumer complaint received 2020-08-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: OneMain Finance Corporation (CA)

This is my only source of debt. I renewed/refinanced at the beginning of the year. I was signed up for automatic debits on the XXXX without my permission. One came out and I over drafted, I got a big fee from my bank. So, I called in and asked to be taken off automatic debits. The rep said ok, but it only worked for that month. The next month I was in the same situation, big overdraft and fee from my bank. I called in again and scheduled payments on the correct days through XXXX. It worked for 2 months. This month, I was scheduled for the XXXX, they reverted to the original date of the XXXX without telling me. Now I am overdrafted with a fee from my bank. My bank will not refund the charge because they see me as a risk who frequently overdraws, even though I have asked one main several times not to auto debit me on the XXXX, but rather to charge me on my payday. How can companies like this expect us to be 100 percent on time all the time with no question if they do not provide the same standard of service?
Consumer complaint received 2020-08-06
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. (PA)

Experian has reported my credit score as XXXX. They have accounts in my report that say that I am my deceased mother. They also have several wrong names, a wrong address, a wrong birthday and a wrong social security number. I downloaded the Experian app to view my report. They say to call because it is a security risk to fix the problem online. When I call I can not get a person or an answer to my problem. The recorded message is all broken up sounding. The most information that i have gotten from calling 3 different Experian phone numbers, is to send a list of items to fix the problem. The time line is at least 30 days. I need this issue resolved sooner than the next few months.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: First Federal Credit Control, Inc. (FL)

I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information the company possesses for I am worried that my personal information has gone into the hands of the wrong person and been used for their own interest. Therefore I want to request the following information and determine my next actions.
Consumer complaint received 2022-12-29
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: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

Fair collections and outsourcing is trying to collect a debt for XXXX, in which they are not licensed in Florida to collect a debt. Pursuant to Florida law ( Fla. XXXX XXXX XXXX debt collectors and out of state law firms must register with the Florida office of Financial Regulation as a Consumer Collection agency before engaging in collection activity in the state of Florida. the debt that Fair Collection and outsourcing is claiming that I owe is a debt in Florida, and this is a violation of both state and federal law. Please remove this debt from my credit report and cease and desist in any collection activity and please provide documentation indicating that you were licensed in the state of Florida to engage in collection activity as the last time this company was licensed to engage in collections was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX according to the real system Regulatory enforcement and licensing this company was not authorized to engage in collection activity at the time this was placed on my credit profile. and even bfore these dates the company was only authorized during the following dates please remove this immediately and cease and desist all credit collection activity. Name : XXXX XXXX XXXX XXXX XXXX XXXX : FAIR COLLECTIONS 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
Consumer complaint received 2022-11-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (MD)

I have a mortgage loan with LoanDepot. I signed up for paperless service and I access bills and other information from my loan depot account. 

Loan depot 1 ) Changed their account service system, which requires creating a new account AND 2 ) Changed the loan number on my loan. Now, I can't access my account to find out my new loan number nor can I create a new account because I do not have my new loan number. 

I have tried contacting the loan depot phone number, but once again, I can not get through the automated system because I do not have my loan number, which is required to be entered prior to speaking to a human being. 

I need to make sure that my payments are going and that taxes insurance etc are being paid correctly.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (LA)

XXXX {$2500.00} XXXX. I have reached out to XXXX in reference to this account. The account is reporting inaccurate information. 90days late payment without it ever reporting 30 or 60day late.which is a violation of fair credit reporting act.
Consumer complaint received 2020-08-06
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. (MA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R  226.12 ( b ) -- OTHER ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-08-06
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. (AR)

Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2020-08-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case.  I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2020-08-06
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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$500.00} XXXX XXXX   XXXX {$130.00} XXXX XXXX XXXX XXXX {$190.00}
Consumer complaint received 2022-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TX)

Mortgage transfer from XXXX  XXXX  to Truist, have tried to get a draft set up and have sent in the form, called NUMEROUS times, I made a paymeny on XX/XX/22 when I saw that XXXX  reversed since they turned it over to Truist, I sent in the form and called and was assured draft was set up but now they are taking out Double saying I told them to which is not the case, I can not get a supervisor to contact me to handle this issue, there are numerous notes in the account. I also have another account with Truist and have for couple of years. I filed a complaint with Truist # XXXX, I asked to have a supervisor call me back to get this straightened out, I worked with more than one individual to do it online and due to being a new acct / Transfer it is not allowing and I do not want to get a late payment with any lender. 

thank you XXXX XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number documented in attached letter. 

Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( Experian, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Consumer complaint received 2023-10-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Application No. : XXXX Bank of America is in violation of 15 US Code 1642 USC 1681m and 12 cfr 1002 because I, the consumer made an application in good faith, but credit was not issued.

Furthermore Bank OF America violated 15 U.S. Code 1691 - Scope of prohibition It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction Furthermore, because my social security number ( credit card ) was used, and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Bank of America ( 15 U.S. Code 1602 ( p )
Consumer complaint received 2020-08-06
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. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX {$4900.00}
Consumer complaint received 2020-04-06
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

Loan 2003 substandard loan high rate 9.75 % loan sold to XXXX then XXXX managed by Ocwen now by PHH no results account managers do not respond on line for hours. When phone is answered is agreed on never complied. We start again getting documents.
Consumer complaint received 2023-01-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (CO)

I was two payments behind for a loan with Wells Fargo in 2016 I asked to let me lower a payment and continue to keep the vehicle, they later refused and reposed my vehicle, then sold it to a private sale and for two years said I owed them XXXX on my taxes.
Consumer complaint received 2022-11-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Byrider Franchising, LLC (IL)

On XX/XX/XXXX I sent a letter in to CNAC headquarters rescinding the contract between us and it appears as though they do not want to comply with the law regarding the consumers right to rescind the contract based on them not informing me of my rights when I originally signed for a XXXX XXXX  through a branch office located at XXXX XXXX XXXX on XX/XX/XXXX. I have since paid over XXXX dollars XXXX of which went to replace the throttle on a vehicle which the engine light stays on continually.
Consumer complaint received 2020-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (MO)

Received a call when I answered the call was disconnected. Called back the recording indicated a balance of {$310.00} was due and provided ways to make payment. I prompted for a representative of whom refused to say who the call was for and that I will need to I.D my name. I advised I received a call and according to the FDCPA they are required to say who the call was for as they initiated contact by calling my phone. The unknown representative refused information and hung up. I called a second time and spoke with XXXX XXXX, requested to know who they are calling for and repeated the same with the previous representative ( she hung up as well ). The third call was immediately terminated without a representative acknowledging the call had been answered. 
SEQUIUM ASSET SOLUTIONS , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone XXXX https : //www.sequium.com/
Consumer complaint received 2020-06-18
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. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back yet.
Consumer complaint received 2020-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/XXXX - Spoke to Capital One Customer Service concerning my request for a credit line increase. My account has been open since XX/XX/XXXX. Since opening my credit card limit I received XXXX automatic credit line increase. My limit is {$1100.00}. My current balance is {$820.00}. Since XX/XX/XXXX I became XXXX  and working with the credit bureaus to increase my credit XXXX score to qualify to purchase a home. I have made Qualifying ( above minimum ) payments for over 12 months. Recently as of XX/XX/XXXX I requested a credit line increase. On XX/XX/XXXX I have been declined for an increase. I have communicated with Capital one XX/XX/XXXX concerning the decline in credit line increase with representatives of Capital One and 2-Sr. Supervisors. The last Sr.  Supervisor I spoke to was XXXX. My account with Capital One was satisfactorily documented. Capital One has stated in writing and verbally in that there is no criteria for anyone specific to deciding on qualifying for a credit line increase. However, I have qualified in general and have met the general criteria for an increase and I have been refused without specificity or guideline on what is necessary to receive a credit line increase. Capital One states in writing ( on the FAQ ) and verbally, " GENERALLY, IF YOU MAKE MORE THAN YOUR MINIMUM MONTHLY PAYMENT ON TIME FOR THREE MONTHS YOU CAN REAPPLY FOR A CREDIT LINE INCREASE. '' I have me this criteria prior and currently and have been declined without justification. I believe this is discriminatory. Capital One states the guideline for credit line increase is the same for All. XXXX was not able to answer to where I come short for a credit increase because they do not have a guideline or number figures to go by in determining an increase for anyone in specificity wherefore, it is only determined by a system and not performed by a human. I believe strongly I qualify for an increase whether requested before XX/XX/XXXX or if I request after XX/XX/XXXX. My Complaint is Capital One has denied me erroneously and discriminated me from an increase in credit line. I kindly request a review of said complaint with a response and answer as to why my account does not deserve a rightful increase in limit based on making qualifying timely ( above minimum ) payments for over 6 mo to 1 year and have reduced my balance as written in the FAQ written documentation. I have attached as Follows and in no specific Order : Credit line increase denial, Payment Activity to date, Statements from XXXX to XXXX reflecting credit lines of {$500.00}, {$600.00} and {$1100.00} over the span of 3 years.
Consumer complaint received 2022-11-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (FL)

Madam or Sir, I am writing to you because the attitude of the XXXX bank WELLS FARGO is unacceptable. 

Foreign customer of this bank for 10 years and owning a property in XXXX XXXX, Florida my XXXX Checking and savings accounts were closed by the bank on XXXX XXXX and XXXX XX/XX/2022. 
I do not dispute the closures of accounts of new regulations in the XXXX however after 2 months I have still not received from the Bank the cheques corresponding to the amounts I had on these 2 accounts/ checking account + XXXX USD and Saving XXXX USD I call every week customer service either no answer or no answer to my questions. 
I sent complaints through the message center on Wells Fargo website, I received responses but no information about my money and when I suppose to return back the money yet while in the XXXX in XX/XX/2022 I went to my agency and we contacted the service concerned by phone that said that a check had to be sent to me by XXXX  within 15 days. 
It is impossible to reach by telephone the Exception Payments Dpt at the number gave by the customer service XXXX XXXX XXXXXXXX XXXX months after nothing, it is unacceptable that a bank does not give its money to a customer please tell me what procedure to put in place to recover my money. 

Cordially