davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-06
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: BARCLAYS BANK DELAWARE (OK)

On XX/XX/XXXX I was charged {$94.00} from a gas station on my XXXX XXXX Mastercard ( Barclay 's Bank ). On XX/XX/XXXX I was charged {$95.00} from the same gas station. These were both on my XXXX statement. I reported it as a fraud, the company cancelled that card and issued another one. My car would never hold that much gas and certainly not two days in a row for that much money. They took the {$94.00} off my bill on the XXXX statement but instead of taking the {$95.00} charge ( from XX/XX/XXXX ), they charged me again {$95.00} ( so that's two charges I don't owe anyone now ). I have called at least 5 times since then to report this and they keep giving excuses. I have a letter from them saying I don't owe anything and the fraud will be taken off but they never do it. They put me on hold for an hour each time I call in hopes ( no doubt ) that I will give up. Something must be done about this company.
Consumer complaint received 2021-08-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Insta-Credit Auto Mart, Inc. dba InstaCredit Automart (MO)

I XXXX XXXX, entered into a consumer credit transaction with UNIVERSAL CREDIT ACCEPTANCE , INC. d/b/a INSTACREDIT AUTOMART on XX/XX/2018. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but UNIVERSAL CREDIT ACCEPTANCE , INC. d/b/a/ INSTACREDIT AUTOMART in fact took cash. The finance charge is supposed to include insurance, but UCA, INC d/b/a INSTACREDIT AUTOMART made me purchase insurance separately. UCA, INC. d/b/a INSTACREDIT AUTOMART did not present me with a Right of Rescission in this consumer credit transaction which is a violation of 15 USC 1635. Upon violating my rights as a consumer under Truth & Lending Act, this same company also committed fraud under the FDCPA. These FDCPA violations include invading my privacy, contacting me multiple times that were inconvenient to me, continuously harassed me, used profane and obscene language, hurt my reputation as a consumer, sold the alleged debt to coerce payment, illegally repossessed my vehicle twice, used unfair and unconscionable means to collect the alleged debt, furnished misleading and deceptive forms, and has caused a tremendous amount of actual damages behind these fraud acts.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ARVEST BANK GROUP, INC. (CA)

Help, Help, Help. 
Arvest Central Mortgage Company is ruining my credit score and having my credit report full of false information. My Credit Monitor Company, XXXX, notified me today, on XX/XX/2021, that Arvest informed XXXX that my account is past due, and I am not. XXXX  had lowered my score and added a negative statement to my report. XXXX  also reported that my account is delinquent. I do not have any delinquent accounts ; I repeat, I do not have any delinquent accounts. I am attaching all the official letters for the investigation. I worked hard all my life to maintain a good credit score and to have an excellent credit report. Arvest Central Mortgage Company must stop sending false information. The company has to change back my score and report to where it used to be.
Consumer complaint received 2021-08-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (NE)

This Bank is beyond intolerable. Their practices are unethical and lacking in empathy or competence. Their back office department that handles underwriting or the approval of loan modification/ subordination agreements is the most disorganized and difficult areas I have encountered thus far! I was approved for and successfully completed a COVID assistance program that ended after one year. I received paperwork to have notarized by myself and my incarcerated husband and we both signed subordination paperwork NUMEROUS times, but are continuously met with issues. I have been more than patient with this banks pathetic communication system between front end and back end. I do not want my credit affected by their lack of processing this paperwork given to them by myself and my husband on MULTIPLE OCCASIONS!! I am already paying the new agreed upon adjust monthly payment amount and STILL havent received confirmation my account has been registered correctly with them. I want this issue fixed ASAP!! No one has even attempted to contact me after numerous requests for a manager to do so. This bank is absolutely the worst bank I have ever dealt with and I hope I never have to finance with them again!
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Despite the multiple previous written requests in TransUnion Credit Bureau, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the items that need to update or remove from my report immediately. 
XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2021-08-06
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: EQUIFAX, INC. (AL)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-08-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections (OR)

on XX/XX/XXXX ( XXXX Bank statement date ) I contacted Bpnniville Collections to set up a payment plan for a deliquent debt ( XXXX ) for the debt amount stated on my credit report {$780.00} i paid {$170.00} over the phone on XXXX then each week after on thursdays for 5 weeks i would pay {$120.00} is what Bonniville Collections agreed would be ok to do to pay my amount owed from the deliquent debt on my credit report. 
Payment Made to Bonniville Collections : XXXX {$170.00} XXXX {$120.00} XXXX {$12.00} XXXX {$110.00} -- -- -- -- -- -- -- -- -- -- -- - total paid {$420.00} XXXX DEBT {$780.00} _________________ {$330.00} AMOUNT OWED AFTER THE XXXX PAYMENTS i MADE. 

On XX/XX/XXXX i paid my payment over phone as payment plan agreed on .I asked what is my updated balance owed after making 3 payments to them for my debt from original creditor XXXX the new balance Bonnivillde Collections is now over a {$100000.00}. I asked why is it more then before i started payments they stated that a debt in their records shows i owe {$860.00} for a delinquent account from XXXX XXXX XXXX from XX/XX/XXXX. I asked why was I not told this when i called to set up payments they did not respond so I then asked them to email me the info on the debt from XXXX XXXX XXXX thsat was date back XX/XX/XXXX. They said they emailed me that info. I did not receive an email about that debt from northwest natural gas. They did state that the delinquent debt was past the statues of limitations when i told them that I am going to file a complaint about this issue. I feel that I should of been notified about this debt.
Consumer complaint received 2021-08-06
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: JPMORGAN CHASE & CO. (TX)

JPM Chase Bank is incorrectly reporting a charged off credit card on my credit report that does not belong to me. I have provided both JPMC and the credit bureaus with a copy of a police report from XXXX XXXX Texas which details this criminal activity which has caused great harm to my personal finances and drastically reduced my credit score. Most of the accounts have been removed now from my credit report, however, this account with JPMC in the amount of {$6000.00} under # XXXX still remains. In fact, JPMC is reporting this account as BOTH a charge off AND a currently past due account which is completely illegal and in violation of FCRA. This is the last error that is driving my score down over XXXX points and preventing me from getting a mortgage. REMOVE immediately.
Consumer complaint received 2021-08-12
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. (GA)

Back on XX/XX/2021, I contacted Trans Union & submitted legal documentation regarding the 5 public records ( bankruptcies ) they have listed on my consumer report which Trans Union obtained from XXXX  XXXX. I informed Trans Union & provided documents stating that these 5 public records needed to be removed as XXXX XXXX is committing several FCRA violations. Thus far, Trans Union has refused to remove those accounts. At the same time that I contacted Trans Union, I also contacted XXXX XXXX directly and provided the same documentation. It has now been past the 30 day period under FCRA guidelines. But additionally, I have now received a response from the XXXX XXXX on XX/XX/2021 via the complaint that I also filed with the Consumer Financial Protection Bureau. And within that response they stated that the 5 public records referenced on my Trans Union consumer report have now been removed from their database. Additionally, XXXX XXXX also responded via hard copy through the US Postal Service via mail dated XX/XX/2021, again stating that the 5 public records have been deleted / removed from their database. Therefore Trans Union immediately needs to delete / remove these now fraudulent public records from my consumer report within their database.
Consumer complaint received 2024-03-25
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. (CA)

I recently look my credit report and i was shocked to see that i have been victim of identity theft, I found on my credit report fraudulent account : name, address and phone number, that i want to dispute them, I am in the process to buy a new car this fraudulent information harm my credit report. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX CT XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Number XXXX ( XXXX ) XXXX / ( XXXX ) XXXX / ( XXXX ) XXXX / Name : XXXX XXXX XXXX Fraudulent accounts : XXXX XXXX XX/XX/XXXX / XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX Wells Fargo has denied me check deposits,, had overdrafting fees for transactions I did not know of. My information traveled to a third party in XXXX. I also became a victim of identity theft because someone else opened an Wells Fargo account in my name.
Consumer complaint received 2021-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I never had account with XXXX XXXX XXXX they just started report a charge off account on all three of my credit reports which is hurting my score. I have disputed with all three bureaus. I have previous found other people accounts on my report. want the account deleted. I have attached two copies One from XXXX reporting and one from Transunion
Consumer complaint received 2021-08-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (IL)

I purchased a couch from a local furniture store in XX/XX/XXXX. The terms were 5 yrs, no interest, min payment $ XXXX. My payment is due on the XXXX. I have made payments every month, exceeding the min payment amount wanting to pay it off as soon as possible. On statement XX/XX/XXXX I noticed a {$25.00} late fee. It is my fault I did not call at that time. On my statement for XX/XX/XXXX I have a {$38.00} late fee plus interest. I called Wednesday XX/XX/XXXX and was told because my payment for XXXX was received before the statement print date, it was applied as a second payment for XXXX. This made my payment made in XXXX and XXXX late! My payment was received on XX/XX/XXXX and the statement printed on XX/XX/XXXX. Furthermore, during the billing cycle of XXXX it posted a payment XX/XX/XXXX which negates the theory of payments received during billing cycles Printed on my monthly statement : Reminder : Your credit card account may not be paid ahead to avoid making payments in future billing periods. You may pay more than the Minimum Payment Due at any time. However, to avoid late fees and delinquency we must receive at least the Minimum Payment Due ( as reflected on each monthly statement ) on or before the Payment Due Date each billing period until your balance is zero. 
This mentions *NOTHING* about receiving payments before the statement prints not counting as your monthly payment. I view this as a deceptive practice to gain income from late fees. 

When I called I was told nothing could be done. I asked for the late fees and interest to be waived and my payments corrected, as I made my payments on time. I get paid on the XXXX & XXXX. I had been making my payments with XXXX check and as of XXXX with XXXX. I asked for manager, and was again told nothing could be done even though he agreed I had not missed a payment. Waited for an escalation call back. I was told it would be 1-2 business days. It is now XX/XX/XXXX XXXX ( central ) and I have not received a call back
Consumer complaint received 2021-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (DC)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2021-08-06
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: National Credit Systems,Inc. (SC)

It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Consumer complaint received 2021-08-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

These accounts don't belong to me. Please remove th

em form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX  Bankruptcy Case Number : XXXX  This is not mine. 2. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 11. Identity Theft XXXX Account Number : XXXX This is not mine. 12. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 14. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 15. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 16. Identity Theft XXXX XXXX Account Number : XXXX This is
not mine.
Consumer complaint received 2021-07-27
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: EQUIFAX, INC. (TX)

I have mailed letters and I have also made phone calls and they do not seem to want to abide by the Law. The FCRA states that legally any unverified or unauthorized items must be removed. 
XXXX  Shows XXXX  Card entry XX/XX/XXXX - XXXX Card XXXX  XX/XX/XXXX - US SM BUS Admin XX/XX/XXXX ( I even reported fraud to them ) XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX  Shows XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX which has reached its two expiration as well - XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX and that has reached two year expiration as well. 
I respectfully ask that these entries be removed immediately from my credit report. 

I also ask that the following addresses are removed immediately XXXX XXXX XXXX  XXXX Missouri XXXX TX XXXX XXXX Quail XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please remove the following employments XXXX XXXX XXXX XXXX  XXXX XXXX I thank you in advance for your prompt response to this situation
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I XXXX XXXX is a Consumer filing this Complaint and it is not a third party. The following credit reporting agencies are violating FCRA and FDCPA by reporting transaction experience between a Consumer and a creditor. Which is a Violation of 15 usc 1681 ( a ) ( 3 ). I DEMAND that this account be removed IMMEDIATELY. 
XXXX XXXX XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$50000.00} Status Open. {$880.00} past due as of XX/XX/XXXX. 
Account number XXXX
Consumer complaint received 2021-07-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (OH)

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX and I do not have a contract with PRO COLLECT plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1200.00} I demand this account to be deleted on my credit report.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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. 

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.