davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (NY)

I have a complaint in about Wells Fargo regarding an auto repossession from a month ago. I have contacted them and told the person investigating my issue was not available and would get back to me and no one has. If they are calling they are not leaving a message to call back and I work during the day.. They are extending the time to respond to the claim I submitted far past the time the car is scheduled to be auctioned. I have contacted the number I was given but have not heard from the repo company as to whereabouts of my vehicle and am not able to get my personal items back which is supposed to be accessible to me. This has gone on for a month. 

I requested help with payments multiple times due to COVID and my related job loss and decrease in income. I was not given the correct paperwork. I asked if I could XXXX and told yes but they were not sending me a XXXX document. After several attempts I needed to print and sign and mail and so now do not have access to that paperwork. I saw that the loan deferment I requested was not being applied so I ended up making a payment in XXXX and XXXX but my vehicle was STILL repossessed at the end of XXXX. What happened to the deferment and why would you repo someone clearly making attempts to pay or get help?? 

Additionally, I found parts of my vehicle in my driveway and reported that immediately to Wells Fargo. Since the tail light was knocked out and I am uncertain what other damage was done I will not be able to drive my vehicle home with that issue when I pay. I was not given any solutions for that. 

I have requested that I receive initial paperwork with a break down of what is on the loan ( car price and additional warranty services ) because I have not been provided these. Complaint Number XXXX was for the dealership who refuses to give me a refund or the services that were included in this loan and I can not get any information from Wells Fargo XXXX I called them about this because they approved the loan and would know what I was charged for. ( auto vs. additional services )
Consumer complaint received 2022-03-09
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. (FL)

The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows and is not mine XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$7700.00} XXXX {$7700.00} XXXX - {$7700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$16000.00} XXXX  {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-11-11
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)

I am writing to you in regard to accounts that are coming up on my credit report. I have absolutely no knowledge of these accounts and have sent letters requesting validation to them, to no avail! Also, I do not recognize the account names and account numbers.
Consumer complaint received 2021-01-26
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I contacted Capitol one to let them know I was going to have a difficult time keeping my 3 credit cards current with them. They assured me it would not be a problem and that due to Covid, they would not put any " late '' penalties on my account. They also indicated that this would not alter my credit. Well fast forward from XXXX to now and I am completely caught up with all of the credit cards and have a significant of credit available. However, my score has not improved. Come to find out they were dinging my credit score with 30x, 60x, 90x and even one 120 day late. I called them and they basically told me to pound sand. Given the pandemic, do I have recourse to get them to erase those lates? I am not looking for any break in fees or the amount due.
Consumer complaint received 2019-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (CA)

XX/XX/2019 Dear Sir or Madam : I have attempted to make several payments, 21 of them and not until the 22nd payment it went through. There was an error in my account number so the payments kept getting declined but unaware of because I was in the process of moving addresses. The card company only attempted to contact me twice and one of the calls was to see a payment in which I made. If I have known the account number was incorrect I wouldve resolved it immediately since my credit score was good before the charge backs. These 21 attempts are what put my credit score to a major decrease. I would always make a payment a week before due date or on time for the card. My latest payment paid the card entirely because I didnt want to deal with the card again. When I made the payment via phone call the employee never informed me the account number was wrong nor did the website it stated my bank. I had months in which I ways making payments unknowingly having them declined because of an error not stated with the website nor the employees. I would like these payments to be dismissed or decreased if possible. 

Thank you,
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (CA)

My account got frozen XX/XX/2024 without informing me why. Ive reach out every way I possibly could calling 50 times plus, emailing CEOs and everyone that could possibly help, live chats, social media, The better business bureau, every way I possibly could. Nobody can tell me why my account was frozen everyone keep saying a department is going to reach out via email and they havent for a week and this supposedly department doesnt have a phone number doesnt have a email I could reach out to doesnt have a name. Nobody could tell me why my account was frozen for no reason there is no fraud on that account. The money is straight from the IRS, theres no reason the account should be locked. They reached out before they froze my account. They wanted a picture of my ID front and back. I sent the pictures and they still cant tell me why my account is frozen everyone I talk to says they dont know nothing I called multiple times a day I email multiple times a day , Ive tried everything and still cant get no response. I cant even close my account with them. Nobodys reaching out to me and I need my money. I have a toddler I am a single mom and those are my funds that I need to pay bills.
Consumer complaint received 2023-08-06
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: Resurgent Capital Services L.P. (NY)

My identity was stolen and was used to open multiple fraudulent accounts without my knowledge or consent. These accounts are now in collections and reflecting negatively on my credit report. I have Diputes these accounts multiple times and submitted police reports about my identity being stolen and these accounts have not been removed yet. Some agencies have even written negative remarks after Ive filed a dispute. This is impacting my life negatively with jobs, housing and applying for credit lines.
Consumer complaint received 2022-03-01
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: EQUIFAX, INC. (PA)

I received an email saying XXXX company check my credit for mortgage in zip code XXXX. I don't live in the area it's not me. I didn't apply for any mortgage. Please stop this.
Consumer complaint received 2020-11-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duncan Solutions, lnc. (CA)

I received a letter in the mail from professional account management LLC dated XX/XX/XXXX on behalf of the city of XXXX. It is a notice with the citation number for a vehicle I do not have any more the issue date is XX/XX/XXXX. I never received a citation up until this notice. The letter states the original citation fee was {$52.00}. The current amount due with a {$90.00} penalty is totaling {$140.00}. I reached out to this company professional account management disputing ever having received a notice as well as the penalties I was told that as of todays date XX/XX/XXXX that there was an additional {$20.00} added to the fee that I was just notified of XX/XX/XXXX. Although the notice says the amount due is XXXX when I called I was told the debt had now invited an additional {$20.00} in less then a month later from the first notice I ever received. for over a year old debt to only have accrued {$90.00} penalty XX/XX/XXXX and for me to be calling XX/XX/XXXX having an additional {$20.00} seems totally illegitimate. I dont mind paying the citation of {$52.00} but since I never got previous notice of his debt up until last month I do not agree with paying {$90.00} nor {$120.00} penalties for notice I never received. on top of the fees being inflated at 150 % of the original cost of the ticket.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX WFDS Date of Inquiry XX/XX/XXXX ALLY FINANCIAL Date of Inquiry XX/XX/XXXX NCCINC/MERCEDES-BENZ O XXXX XXXX XXXX XX/XX/XXXX CAPITAL XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXR : XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (OH)

I have resolved my identity theft issue with the original creditor. Contract callers XXXX states that they have requested this be removed from my credit clear back in 2017 yet it remains on my credit report. I have attempted to resolve this with CCI but they refuse to contact the credit reporting agency again to have it removed because they technically do not own this debt any longer. 

XXXX XXXX  XXXX  are all still reporting this as an open debt in collections when in fact it has ben closed since 2017
Consumer complaint received 2022-03-01
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. (PA)

I received an email saying CBNA company check my credit for mortgage in zip code XXXX. I don't live in the area it's not me. I didn't apply for any mortgage. Please stop this.
Consumer complaint received 2023-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NC)

This complaint is about Wells Fargo. 
I have been using the Wells Fargo bill pay for close to 20 years and periodically had trouble but nothing like today When I tried to send a check to a friend who had advanced deposit money for a hotel that had been booked by the friend for me and my wife I received a form notice numerous times when I tried to submit the transaction The notice stated that the transaction could not be completed and I should call the stated number in the notice that appeared on my computer screen. 

I called and spent a total of 3 hours among various WF personnel who kept advising me that I had to go to a branch office to remedy the problem. 
NEVER in all the time I was on the phone trying to find out what was going on with MY MONEY that WF held did anyone say anything other than this is a random hold on your account and you must go to the branch office to speak with a person at the branch When I placed a call to the branch the officer at the branch said I must bring a tablet or a lap top into the branch so that whatever was going on that prevented me from accessing my own money could be dealt with. 
When I protested and said I insisted the branch office person get in contact with a superior and find out how I could access my money and call me back before I spent another 3 hours trying to access my own money and perhaps having to go to the nonsensical trouble of going to the branch office with MY DEVICE the branch person said they would try. 

15 minutes later the branch person called me and said he had spoken to a superior and that person told him that the bill pay is " down all over the country '' and they expect it up late to day or tomorrow I SPENT 3 HOURS of my time before I was finally told this is a WF problem and had nothing to do with my security which had been the WF position until I became adamant ONLY A BANKING ORGANIZATION THAT IS WITHOUT ANY CUSTOMER RESPONSIBILITY WOULD BEHAVE IN THIS NEGLIGENT AND RECKLESS MANNER.
Consumer complaint received 2020-06-11
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. (CO)

Equifax is reporting incorrectly a collection/chargeoff in the amount of {$3800.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have attached numerous documents that prove I have never lived in any other State other than Colorado. They are as follows : 1040 form ; XXXX tax return ; XXXX tax return ; Letter of Employment ; XXXX W2 and XXXX W2. This collection account is in the State of Georgia. This account is being reported fraudulently and needs to be removed. This false reporting of a collection/chargeoff that isnt mine, is seriously harming my credit. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Consumer complaint received 2022-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (CA)

I received a phone call XX/XX/2022 from ( XXXX ) XXXX stating that they had been trying to reach me and that I was being sued. I was told to call ( XXXX ) XXXX to find out what I was being sued for. They stated that they had been trying to mail me a court summons from Wells Fargo to some address I was not familiar with and that I owed Wells Fargo {$3400.00}. The man stated that my wages would be garnished if I didn't pay the full amount or go on some payment plan. I stated that I had already settled with Wells Fargo 10+ years ago and that I did not owe anything. He continued to threaten me and then hung up on me. He had my social security number. I contacted XXXX XXXX XXXX and they stated the telephone numbers I provided were not legitimate and was told to file a complaint.
Consumer complaint received 2021-10-21
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: Experian Information Solutions Inc. (CA)

To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2021 and XX/XX/2021, I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. 
Because I did not apply for credit with XXXX and XXXX, I have also reached out asking that they remove the inquiry from my credit profile. 
Please launch an investigation into XXXX and XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 
If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 
Thanks in advance for your prompt attention to this matter.
Consumer complaint received 2023-03-07
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. (IL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-17
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (MN)

On XX/XX/XXXX I called To pay off the promotional balance in the amount of {$790.00} on the XXXX XXXX XXXX XXXX  account that was expiring in XXXX as of XXXX. I requested it the representative to allocate the payment towards the promotional balance. 

When I called on XX/XX/XXXX I was advised that the original request was not done and that a new request would be placed. 

I called back on XX/XX/XXXX and the payment still was not allocated towards the promotional balance on this day I was advised that it could take up 2 billing cycles. 

I called back XX/XX/XXXX and the payment still was not allocated. 
Then I called on XX/XX/XXXX and the payment has not been allocated, and now I have been charged the interest rate of 26 % in the amount of {$490.00} Towards the promotional balance. This amount should have never been charged to me. Because I was calling to originally pay off the promotional balance. 

After holding for 30 minutes, the representative was not able to assist me and told me to call back to resolve my issue. That's when I decided to contact the bureau.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent a letter on XX/XX/XXXX and I have not received any information on the collection reporting inaccurately on my credit report. I sent a second letter on XX/XX/XXXX. I also sent proof that I had car insurance with another company.
Consumer complaint received 2020-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

To whom it may concern, After filing my first complaint with PRA through mail, experian, and the CFPB I still havent been able to resolve the issue of proving this debt belongs to me. In their last response to my complaint they said the mailed me letters in the mail that saying a deb that does not belong to me has been sold to them. I never recieved it. They replied that this debt is mine by listing an adress which incorrect and it is no where on my credit report stating that this address is accurate.They also said it is the responbility of XXXX XXXX  on what they reported to them. I contacted XXXX XXXX  as I have two credit cards with them curently active and in good standing. They have no records of these accounts, further more they have a strict policy that if I were in collections with a past card of theirs I would not be able to obtain new cards and even credit increases. This is further proof that this debt does not belong to me. After asking PRA to provide proof which should be easy to do if the debt is mine they told me they are not legally required to do so. They only inform of an incorrect address from XXXX  years ago and say that this debt is mine. They have not provided me witha contract that I have signed which bonds me to any form of angreement. They have only sent a screenshot with my last 4 of my social as well as an inaccurate address from a town I used to live in but it was not my accurate address which I explained in my letters i mailed to them. They have sent me over 30 letters stating I have a right to ask for proof that a debt iis mine but has not sent me the proof.