davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CREDIT ACCEPTANCE CORPORATION (OH)

This company repossessed my truck years ago. They've continued to mark me as late EACH MONTH even though they've repossessed the truck. They've now sent a wage garnishment to my employer for {$560.00} a month and it's still showing as an open loan on my credit report, they've never bothered to close it so that it continues to affect my credit and keeps me from being able to finance any used car. I've disputed multiple times on XXXX XXXX  and reached out to credit acceptance personally and they've refused to do anything about it to rectify the situation.
Consumer complaint received 2021-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BANK OF AMERICA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-10-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC. (WA)

I keep getting calls from multiple phone numbers and multiple people from different locations saying they are a debt collector from Wakefield and Associates. I have NO outstanding debts. I recently got my credit report and there is nothing negative on it either. My phone is set up to report potential spam, and each time they call it says Blocked - Potential Spam. I have listened to the messages to see who called then I block the number. I do not feel safe and its stressful. 
I believe it is a scam. 
XXXX XXXX are two of the numbers most recently
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX SS XXXX I was a victim of fraud a few years ago and someone was using my name. I have been working to get this issue resolved for over a year now. I do not live in XXXX OHIO. Please remove any and all OHIOaddresses from my credit report. I never opened accounts with the following companies XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX. PLEASE DELETE THESE FRAUDULENT ACCOUNTS AT ONCE. PLEASE REMOVE THE FOLLOWING ADDRESSES XXXX  XXXX XXXX XXXX OHXXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX TX XXXX, I NO LONGER LIVE IN OHIO. THANK YOU FOR YOUR TIME AND CONCERN.
Consumer complaint received 2021-10-01
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CNG FINANCIAL CORPORATION (TX)

The " law '' office called my job and my mom and me, and said that I was being sued for debt. I have never taken a loan out with this company. I told her that and she hung up on me. My HR manager at my job has gotten numerous calls from these people.
Consumer complaint received 2019-09-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX and Transunion are reporting incorrectly ( 60 ) days late on the XXXX partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2024-03-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (FL)

The company, MRS BPO is attempting to collect {$300.00} from me for a supposed " communication in regards to existing business with XXXX '' The date was XX/XX/2024. I requested a Validation of Debt on XXXX, XXXX, XXXX, it's now XX/XX/2024 and they have

still not sent me a Validation of Debt. I asked them if they have exceeded the amount of time they have to provide me the requested documents, and they denied and said I was incorrect. Short Context : I did not have a XXXX account in my name as my apartment complex provides the internet for us. We don't have T.V. and therefore we don't use or have any need for XXXX  services. 

The debt is not mine, I have requested proof and I have the screenshots from their text messages as well as the original text message thread because I did not delete it. They have not provided proof for this debt that i'm certain is not mine. 

I grew up in poverty, XXXX  XXXX  who did not teach me financial literacy. I have worked hard to get my credit closer to the " good '' range so I can provide a better life for me and my family, and I feel extremely hard done by having this collection and derogatory mark on my credit when the debt is not even mine, and they can not even provide the proof in time. ( I still have not received it. ) My ideal resolution is to have this removed from my credit report by any means necessary - just tell me what I need to do please. My score got knocked by almost XXXX points when this happened, i'm still learning how to manage my score but this was absolutely devastating to me and my family. I hoped to purchase our first home next year and if this is still on my record I am certain that I can not do that anymore. 

I uploaded the VOD Request text messages Thank you for your time
Consumer complaint received 2024-03-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC. (NV)

I paid of this account on XX/XX/24. The same day the reported to the credit bureaus that the account was active and had balance. I sent in a dispute XXXX weeks later advising that this account has been paid off. I was told to wait until the next reporting cycle which would be XX/XX/24. I waited and the account was still showing negatively on my credit report dropping my score by XXXX points. I called Exeter Finance and they advised it can take 60 days for it to be updated. Which I asked is that not fraud because you guys are reporting information that is not accurate and there is proof. They advised there was nothing they can do. I then contacted XXXX to provide them with my documentation and they told me to mail the documents in. I asked how come the report wasn't updated this month when I have the proof that it is incorrect and on the previous disputes with this account Exeter was allows to report no change at all.
Consumer complaint received 2023-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received my paper paycheck from my job on XX/XX/23. I went to several check cashing stores and even smaller customer service money centers in my neighborhood and they all said they could not cash my check. I NEED MY MONEY! I HAVE NOT BERN ABLE TO PAY BILLS, PAY FOR IMOORTANT MEDICATIONS ( I HAVE XXXX AND XXXX. I HAVE NOW WORKED FIR XXXX WHOLWE MONTH FIR FREE! ) I don't have a XXXX to my name and am defaultingbon major bills. My job banks with Bank of America and I have XXXX checking accounts with Bank of America. On XX/XX/23 my entire paycheck was taken from my account due to Bank of America allowing my accounts to be freezed over an old car debt from nearly XXXX years ago. I didn't know about the freeze until XX/XX/23 the day AFTER it happened. I was never served by XXXX XXXX XXXX XXXX and knew nothing about this legal freeze. I live in Texas. It is against the law for them to with hold wages, but they can freeze money in account. I was not depositing my paper paycheck on XX/XX/23. I was to cash it, at outside checkcashing stores. I literally have no money and been without my XXXXXXXX XXXX  and XXXX XXXX  for XXXX month. I passed out at work yesterday, was sent home, and couldn't go to my doctor because Bank of America has denied me access to cash my paper paycheck. This is not right. I am going to be homeless, lose my car because I can't pay notes, default on bills, have no money for food, no money for gas.
Consumer complaint received 2021-10-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NV)

XXXX has funeral trusts with Wells Fargo XXXX We served a family with a funeral trust, but Wells Fargo will not release the funds from the funeral trust. The decent died over a month ago. Ive provided the death certificate, proof of funeral home ownership and I am already a business customer with Wells Fargo.
Consumer complaint received 2021-10-01
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. (FL)

I wrote to the credit bureaus hoping for my accounts to get resolved and I am not seeing a change. I also want to understand the reason for my points to have dropped significantly and an account number changed on an account I have open. I would like to know the investigation results for these accounts still remaining in negative status on my account. XXXX XXXX, Account Number : XXXX, XXXX XXXX, Account Number : XXXX
Consumer complaint received 2021-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I wrote to the credit bureaus hoping for my accounts to get resolved and I am not seeing a change. I also want to understand the reason for my points to have dropped significantly and an account number changed on an account I have open. I would like to know the investigation results for these accounts still remaining in negative status on my account. XXXX XXXX, Account Number : XXXX, XXXX XXXX, Account Number : XXXX
Consumer complaint received 2022-05-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

During a job search I applied for a XXXX XXXX XXXX that was listed for a XXXX XXXX in Indiana. I was contacted and given a job offer. I was asked to send all of my personal information ie name, address, phone number ... and given a contract to sign and a Direct Deposit form. After I had filled out all of the information and sent it back to the person, I was told I would need to buy office equipment. On XXXX  XXXX XXXX, I was emailed a check for {$4500.00}, told to deposit it, and then send it to their vendors for purchase of an XXXX XXXX, XXXX, and printer. I sent XXXX wire transfers from my bank, and a XXXX payment. Wire transfer to a bank in California and a XXXX payment to XXXX XXXX. The next day, XX/XX/2022, I realized that I had been scammed and contacted my bank. I am now {$3500.00} to the negative at my bank, and will receive an estimated {$1700.00} on the first of the month from my VA disability. The bank did an investigation and said there was no fraud and they can't help me. I don't know what to do. Please stop this and don't let anyone else fall into this trap. It is devastating and I feel violated. Also, I don't know how I'm going to live for the next month. Thank you for your time.
Consumer complaint received 2019-11-20
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. (NJ)

In XX/XX/XXXX and XX/XX/XXXX, XXXX functioning as XXXX XXXX credit card Number XXXX reported past due amounts. It occurred because I had changed my bank. Before these dates, I tried to arrange a payment from my new bank. I called the number on the credit card to change the bank routing number and account number. I thought I was successful. When I received another notice from the collections department, I called again. I was successful in changing the bank routing number and account number. I don't recall whether I changed it online or over the phone. After I explained the situation, I asked if the late payments has been reported to a credit reporting agency, they had. I asked if they would reverse the report, they were completely uncooperative. I then instructed them to close the account. Recently I requested a credit report from Trans Union. I noted the late payments in the referenced month. I decided to contact your organization to file a complaint
Consumer complaint received 2021-10-01
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. (NC)

I was sent a dispute letter stating that 2 collections on XX/XX/2021 were deleted from my account due to dispute investigation. Called XX/XX/2021 because the dispute still shows active spoke with equifax they stated they deleted it and the company put it back on XX/XX/2021. This collection was never removed from my account but I have the letter from equifax that states its to be deleted.
Consumer complaint received 2021-10-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MS)

I've tried to submit additional documentation to Experian through the upload website but it keeps saying that I can't submit anything. My online membership won't allow me to view any of my disputes. Experian has been notified that they are reporting inaccurate and fruadulent information on my report and they refuse to fix my consumer reports by removing the accounts that I have repeatedly brought to their attention. Experian is clearly breaking the laws that are defined in the FCRA. I have several complaints made through the CFPB and they still continue to violate 15 use 1681e ( b ), 15 use 1692g, 15 use 1681b ( 2 ), and pursuant 15 use XXXX are liable in the amount of XXXX per violation. I am providing a copy of the FTC report that lists all of the accounts that need to be removed immediately. this is myself sending in this complaint! I am attaching my drivers license as proof of identification.
Consumer complaint received 2021-10-01
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: EQUIFAX, INC. (MA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-10-01
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. (IN)

I have sent letters to each XXXX, XXXX, and Equifax on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Consumer complaint received 2021-10-01
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: EQUIFAX, INC. (SC)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: FIRST NATIONAL BANK OF OMAHA (WA)

I used to have two credit card accounts with another bank, XXXX XXXX XXXX, and sometime in 2022 they decided to transfer those accounts to FNBO ( First National Bank of Omaha ), without letting me know nor sending me the new cards. The accounts got transferred, and since I was not notified of this nor did I receive any new credit cards, I was not aware of this transfer and nor can I set up an online account or even make payments. There were apparently some charges that got transferred with the accounts as well, so they were somehow carrying balances when they got transferred. I couldn't nor did I know to pay them off. So, those accounts ended up showing derogatory in my credit reports, and that's the time when I finally realize that they existed. I contacted FNBO several times about this issue, right after I notice the problem, and a few times after that as well. They recognize this issue, but they say they can not do anything about my credit report. They also said that they were going to finally send me the new cards. But until this day, I still have only received one card, and the other is still missing, and I still can't make payments to that account.
Consumer complaint received 2023-01-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (WA)

I had a home improvement loan for a brand new furnace and heat pump. It was for {$11000.00}, And I paid it off early and did not get a refund of my interest. My interest cost were {$3500.00}, and they did not refund the money. Can you please help me?
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have a Customized Cash Reward Visa Signature card ending XXXX. 
I called the Boa customer service to close my credit card at the end of XXXX in 2023. 
The agent told me to give me the promotion bonus ( which is 2nd time bonus ) of {$170.00} if I spend over {$1000.00} within 90days to keep the account open. So I spent the money to get the bonus. 
After that, I did not get the bonus. I called the customer service three times to make sure I get the bonus. They said it is {$1500.00} to spend the money to get the bonus. So I did to make over {$1500.00}. They changed that amount or the first person gave me this promotion did make a mistake on the amount. But They said I met all the qualification to get the bonus. But never happened. This problem will not resolve until I have to complaint about this. I would like to get the {$170.00} promotion bonus. Thank you
Consumer complaint received 2021-10-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NY)

In XX/XX/2021 I applied with my current mortgage Wells Fargo. After many months and going back and forth I was given a closing date of XXXX XXXX. The date passed to no avail. I then received a letter indicating I didnt close because I withdrew my application. Upon discussion with the bank they admitted that was not true. They then told me my coop did not have enough insurance. Another lie. Finally they sent we a letter indicating my coop rejected my refinance. I contacted my board and in writing that too was a falsehood. I suspect Wells Fargo didnt want to reduce my payments as a way to have me continue paying the higher rate and amount.
Consumer complaint received 2021-10-01
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: CITIBANK, N.A. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Citicards CBNA. The Account Opened is Citicards CBNA Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$6300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-10-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

We recently sold our house but the Title Insurance company is holding over $ XXXX in escrow due to a unreleased lien from 1998. The lender was XXXX XXXX of Pennsylvania. The title insurance/under writers are XXXX XXXX, XXXX in XXXX. PA. We closed in XXXX and have tried to find any evidence from this old loan to prove it was paid. It was paid, our credit record is stellar, we borrowed against the property ( XXXX XXXX XXXX. in XXXX, PA, XXXX XXXX ) several times afterwards with no issues. We are struggling with why this title company won't release our funds because of an obvious error. We have tried to contact the other banks who purchased XXXX years ago and none will address the lien release issue. We know the loan was repaid in 1998 before XXXX was acquired. It was a bridge loan for purchasing XXXX XXXX until we sold our previous property XXXX XXXX XXXX, also in XXXX PA, XXXX XXXX.
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

I checked my LexisNexis consumer report and it showed two different bankruptcies on it. One from XXXX, TX and one from XXXX, TX. Did not give any written consent to LexisNexis to publish these. I beleive thats a violation of my consumer privacy. I sent LexisNexis a certified letter on XXXX asking them to remove the bank bankruptcies. I sent a certified affidavit on XXXX showing LexisNexis all the consumer rights that they have violated since I am a consumer.