davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (TN)

I received a call from XXXX with XXXX and XXXX from ( XXXX ) XXXX on XX/XX/XXXX. She stated Wells Fargo was suing me for XXXX  and if I paid that would be it but if I dispute it theyd add XXXX in attorneys fees and take me to court. I said I didnt want to blindly pay something I dont recall from XXXX and she said call Wells Fargo and theyll verify the charge for me. I called Well Fargo and after speak with about XXXX representatives from various departments, including the XXXX  and XXXX departments I called XXXX back to let her know Wells Fargo said I dont owe them anything and this is most likely a scam. I asked the last representative in the Wells Fargo XXXX department for an email or letter stating I did not owe anything incase this somehow goes to court and they told me they do not provide letters but she assured me they dont sell off their debt and no one should be collecting money on Wells Fargos behalf.
Consumer complaint received 2022-12-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Creditor Name XXXX XXXX Account number : XXXX I recently received a copy of my consumer report, and I noticed some late payments posted on my accounts. By law, pertaining to the CARES ACT, accommodations were made to my account and ive been current since, and late payments should have not been reported and is a clear violation to my rights as a CONSUMER. I have never missed a payment in the month of XX/XX/XXXX or any months AFTER. I have been affected by XXXX XXXX Please update the month of XX/XX/XXXX. PLEASE UPDATE to either ON TIME, NO DATA/DATA UNAVAILABLE, or DELETE ACCOUNT altogether : The following supporting documents are enclosed for your review : 5. CARES ACT 6. 15 USC 1666 ( BILLING ERROR ) 7. 15 USC 1681 C-1 8. 15 USC 1681 C-2
Consumer complaint received 2022-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HUNTINGTON NATIONAL BANK, THE (IL)

My XX/XX/XXXX Mastercard statement from Huntington Bank included three charges ( all on XX/XX/XXXX ) from XXXX, XXXX totaling {$5400.00} and XXXX charges ( all on XX/XX/XXXX ) from XXXX, XXXX totaling {$2300.00}. These charges totaled {$7700.00} and were obviously fraudulent as the credit card remained in my possession at all times and I had not provided the account information to anyone, much less to people in XXXX and XXXX. I contacted Huntington 's Fraud Division twice and visited a Huntington Bank branch twice to contest the charges as fraudulent. On XX/XX/XXXX, I sent a letter to Huntington stating that the charges were fraudulent and that I refused to pay them. 
I received identical letters dated XX/XX/XXXX and XX/XX/XXXX stating that " no error had occurred '' and that I was responsible for paying the entire amount plus applicable interest and fees. I filed a police report and sent Huntington a letter on XX/XX/XXXX citing the Fair Credit Billing Act and again refused payment of the fraudulent charges. Huntington has not responded to my XX/XX/XXXX letter, continues to add interest and penalties to the disputed charges, and calls constantly. When I call Huntington as requested, they inform me of the total owed, which now includes approximately {$900.00} in interest and fees, and that I need to make payment immediately.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am writing in regard to an issue with the way you are reporting this account on my credit report. I have noticed that your company has reported to the bureaus that my account was charged/off, and it is impacting my credit score from obtaining credit. I have paid the account in full and is legally validated from the dates shown below. please see attachment of proof. XX/XX/XXXX the original creditor XXXX account # XXXX opened on XX/XX/XXXX. I have no further obligation with this account since it is only hurting my credit and holding my credit points down. It is my understanding that you will investigate for these items to ensure full creditability as it should be because I paid in full and do not owe any balance as todays date. XX/XX/XXXX and it has been showing on my credit report as charged/off since dates XX/XX/XXXX for XXXX XXXX , Experian. 

According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated by you. I respectfully request to be provided proof of this alleged item. This means I am asking for this charge off to be deleted off my credit account report since I have paid in full. I have also filed a dispute against the original creditor to have this deleted off my account since it has been paid off as balance of XXXX $ and have failed to comply back with me. I expect to see a response from you within 30 days proving the validity of this account. If you can not validate this account, then I ask that you immediately delete this from my credit reports. If you fail to investigate this account properly you will have violated my rights. I have uploaded proof of Identity of myself in two forms possible. please see attachments. 

I am demanding a deletion on the following accounts. 
XXXX account # XXXX Thank you and best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX
Consumer complaint received 2024-02-17
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. (OH)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4300.00}
Consumer complaint received 2020-02-17
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was hit with a 30 day late on my credit report and I was not and have not been 30 over days late. 

XX/XX/XXXX, I paid {$56.00} on my account. 
XX/XX/XXXX, I was hit with a finance charge for XXXX. 
XX/XX/XXXX, I paid my account in full for XXXX. 
XX/XX/XXXX - NO TRANSACTIONS. 

Next Transaction was not until XX/XX/XXXX & XX/XX/XXXX. For XXXX. 

THERE IS A LATE FEE FOR XXXX CARRIED FROM A PREVIOUS BALANCE - THERE WAS NO PREVIOUS BALANCE. I PAID EVERYTHING OFF. 

RECEIVED A LATE CHARGE ON MY CREDIT REPORT XX/XX/XXXX ON XXXX XXXX : I PAID THE XXXX NOT ONCE HAVE I BEEN LATE 30 days! 
KOHLS IS REFUSING TO REMOVE THE XXXX LATE FEE WHEN I WAS NEVER LATE. 

XX/XX/XXXX, I called kohls credit card and they credited me back the XXXX late and agreed with me there was no late and she would send it to whomever for removal. Next thing I know I get a letter saying they are not removing it. Makes no sense to me. 

Here is my account payment history from them directly. I am refunded the money cause there error, but they won't fix my credit report??? 

Posted Payments Payment Date Payment Amount Description XX/XX/XXXX {$1.00} Late charge refund XX/XX/XXXX {$49.00} Payment XX/XX/XXXX {$470.00} Payment XX/XX/XXXX {$49.00} Payment XX/XX/XXXX {$56.00} Payment XX/XX/XXXX {$140.00} Payment I just want my credit report update for XX/XX/XXXX to properly show I have paid my account perfectly. I will never use or shop at Kohls again, as I have been treated so unfair! Complete disregard for my lively hood and my credit report.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC. (SC)

I am being charged insurance on my vehicle outside of the finance charge, my interest rate is 3 % higher than the average on my loan. I am currently paying for insurance on a financed vehicle out of pocket. 
USC 15 section 1605 ( c ) states ; charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership and use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained.
Consumer complaint received 2022-06-01
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. (VA)

I am writing to request an immediate removal of fraudulent inquiries and accounts that appear on my XXXX, XXXX, TransUnion consumer report. Ive sent letters with attachments of identification to each bureau disputing the inquiries and accounts listed below and that they are fraudulent as well and nothing was done. Also I had to put a fraud alert on XX/XX/XXXX on all three Bureau due to the fraud activity that was taking place. I've reported the activities to the FTC, which will be attached to this letter. This matter is very tormenting to my family and has hender us in so many ways. My son is unable to attend this private school due to financial reasons dealing with means of my consumer report. I demand these accounts and inquiries to be blocked and removed immentidaley. 

Accounts : XX/XX/XXXXXXXX Account Number : XXXX XX/XX/XXXX - {$0.00} XX/XX/XXXX Account Number : XXXX XX/XX/XXXX {$150.00} XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX {$1600.00} Inquiries : XX/XX/XXXX, XX/XX/XXXX,,XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I purchased an item through Paypal almost a year ago through a vendor XXXX. After receiving the product, I realized the item was not what was on the website or as described. I was also informed by a professional beautician that the hair purchased was snot " human hair '' as described on their website. This company after filing the Complaint reached out to me, I informed them of the issue and they were going back and forth. I reached out to Paypal via phone several times the issues were never solved and I never heard anything back from Paypal or the merchant it has been over a year now. I spent over 300 hundred dollars on this product, again it has been a year, I was scammed and all of PayPal. I disputed withing the time request within the 180 days and I never got a notification or follow-up, I feel like Paypal sent the merchant to talk me out of my refund, and neither of the parties has responded to this day. It has. back and forth and when I call Paypal I am told it is river 180 days, meanwhile this dispute was filled months ago. It has been XXXX. I can not even use this product. I use Paypal to protect me from things like this and still, I was scammed and Paypal refuses to help. It has been a nightmare.
Consumer complaint received 2020-02-17
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I really am beyond bewildered with the incompetence of capital one Walmart card. 
1. 3 months to get a new card since XX/XX/2019. Capital one sends me two cards!!! after 3 months. I called Walmart Executive office and they kept my old card opened due to the issues! 
My activate my card. It does not work!!!! 
Both cards in my name only. Calling is a joke. You get people overseas who speak no English and exploit these poor people into slum wages!

Disgusting. On my credit report since capital one took it over shows as a new account when it is not! I closed my other capital one accounts 3 years ago due to horrible customer service. Just horrible. I also filed an OCC and a FTC complaint. I can not even place an order on XXXX because my card will not work. What is going on here. I want a {$100.00} credit in my Walmart card for all the hassles. I can spend my money on XXXX! I have many choices!!!!!!
Consumer complaint received 2015-09-16
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Onity Group Inc. (PA)

Ocwenloans took over a loan we had. When we were forced to sell our home in a short sale, part of the agreement in the settlement was that Ocwen would remove the item from our credit files. We disputed this with the credit bureaus and they left it on all XXXX files.
Consumer complaint received 2022-12-19
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. (CA)

I have a loan with XXXX XXXXXXXX and XXXX. The current status should not be showing late because I paid it on time. TransUnion Credit Reporting Agency lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise udate these accounts immediately. UPDATE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4800.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00}.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XX/XX/XXXX Account XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX Act. # XXXX, XX/XX/XXXX XX/XX/XXXXAct. # XXXX, XXXX Bank UsaAct. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX # XXXX XXXX, XXXX XXXX XXXX Act. # XXXX, XX/XX/Dsnb Act. # XXXX, XXXX XX/XX/XXXX XXXX Act. XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXAct. # XXXX XXXX XXXXXX/XX/XXXXBank Act. # XXXX has violated my rights . 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-02-17
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 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 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is my follow-up complaint 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 items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-01
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I have been contacted by phone and mail by a company allegedly called XXXX XXXX and XXXX. The messages claimed there is a complaint that would lead to litigation. They finally contacted my sister to find me. I called them, and they said that in XX/XX/XXXXI had a Bank of America account which I abandoned, leading to about {$800.00} of interest, and she ( " XXXX XXXX '' ) asked if I wanted to settle with the initial owed, about {$300.00}. I asked why this hadn't been brought to collections, shown on a credit report, etc. XXXX said the company chose not to take that route. She gave me a false bank account number ( I found my old one and it doesn't match ), and she had my true social security number, address, phone number, and the numbers for my husband and sister. Bank of America will not speak to me without a current account number.
Consumer complaint received 2022-06-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CT)

Repeated ( daily ) calls from " Nissan XXXX '' asking to speak to a person who does not ( and has never ) lived in this house. Impossible to speak to a human about this, these are robocalls. Calling number is XXXX or XXXX ( or a variation ). No one in this household has or ever had any dealings with Nissan XXXX.
Consumer complaint received 2018-10-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: P.S.C., Inc (WA)

Puget Sound Collections, XXXX XXXX is threatening and uses abusive language and harrasing calls at work. She always says to sign papers now or your get a lawsuit and go to jail.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act the following creditors/ credit reporting agencies have violated my rights. 

-- 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 -- U S DEPT OF ED/XXXX # XXXX -- U S DEPT OF EDXXXX # XXXX -- US DEPT. OF EDXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- XXXX XXXX # XXXX -- No Acct Name # XXXX -- No Acct Name # XXXX -- No Acct Name # XXXX -- XXXX XXXX XXXXXXXX -- XXXX XXXXXXXX XXXX XXXX 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