davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-16
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: Consumer Portfolio Services, Inc. (WI)

On XX/XX/2020 XXXX XXXX XXXX ran an application on my behalf by error. As a result there were many invalid inquiries on my credit report. Along with each company and XXXX XXXX XXXX all inquiries have been removed but the one from consumer portfolio services. I have attempted to dispute this inquiry with the others directly with the credit bureaus and several times with XXXX directly. Their only response is that the inquiry came from XXXX XXXX XXXX ( which I'm aware of ). Accidents happen, as a company XXXX should recognize this and conduct an investigation to resolve the issue instead of repeating information I sent them. The inquiry has negatively impacted my credit score.
Consumer complaint received 2020-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (SC)

Exeter Finance Corp . Gave me a loan for a XXXX  XXXX XXXX about the end of XXXX. They applied my first 2 payments ( checks ) to my account that are being paid by a payment management company ( XXXX XXXX  ). My 3rd payment, they cashed the check and did not apply the money to my account. I had my payment company provide them there proof of payment as they requested. They cashed the check for my 4th payment and did not apply it to my account again. This being the second time ( 2 months in a row ), I had my payment management company send them the documentation again and requested they refund me the extra interest fees that got charged to the account since they allowed interest to accrue to my account 2 months in a row with and the lender actually had the money. The lender told me there is nothing they can do to refund me the extra interest charges because it posted late to the account and told me they were doing me a favor not charging me late fees. My payment company and the lender setup electronic payments for future payments. The lender has now failed to apply my 5th payment even though it was electronic. I filed multiple complaints through the lender. I was told a supervisor would call me each time and no one attempted to call me. I had to call them back. One supervisor told me he would look into the problem and put a reminder on his calendar to call me back. He never did. Exeter is now forcing me to prove to them again that they have been paid. My understanding is this is a predatory lending practice to attempt to take advantage of consumers that do not know any better or will just give in to the lenders requests.
Consumer complaint received 2020-06-16
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I have been trying to apply for a modification to my current mortgage loan with, Wells Fargo Bank. I called in on XXXX XXXX to try to start this process, I spoke to a Wells Fargo representative nut I did not get her name, she asked me questions as to why I was calling and I explained that I wanted to try to modify my current loan, so I could get a lower interest rate and lower monthly payment. The representative said that she would send me an email with instructions how to proceed with this loan modification, but I never received any email, so I called back and spoke to a different person and he sent me an email with a copy of an application form and a fax number to use, I filled out that form and faxed it to the fax number he gave me, alone with a copy of my social security declaration letter showing my monthly income from them and I included a letter from XXXX XXXX XXXX showing the amount of retire pension I received from them. I called to see if those documents were received and had to speak to a different person and explain my situation all over again to them and they said that I would have to wait to get instructions from the representative who will be handling my case ( XXXX XXXX ) so I waited but never head from Ms XXXX, so I called back and had to speak to a different person and explain my situation all over again and I asked that Ms XXXX please call me because I was having trouble logging into emails from Wells Fargo to view what documents they had received and what other documents I needed to send, but as of today 's date I have not received any calls from Ms XXXX, so I don't know if the review process for a loan modification has been started or if Wells Fargo needs more documents from me. I will include an email I sent to Ms XXXX today. 

Ms. XXXX, I received an email from you that said you needed more documents from me, I am not able to access or open this email to see what documents you need! 
I have stated this to previous representatives of Wells Fargo and have been trying to reach you by phone for over three weeks to find out what documents you need and if you have received the documents that I have already faxed to Wells Fargo, but it is impossible to reach you directly because Wells Fargo phone system will not allow me to enter your extension! 
I have spoken to numerous representatives over the last four weeks and each one tells me something different and I have asked that they relay a message to you to call me because I need to know exactly which documents you have received and what others you need, so once again I ask that you contact me by phone to help me. 

Sincerely : XXXX XXXX
Consumer complaint received 2020-08-08
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: Nelnet, Inc. (GA)

I have a loan with XXXX XXXX, XXXX XXXX XXXX, and DEPTEDNELNET. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and DEPTEDNELNET with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-08
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: Consumer Portfolio Services, Inc. (GA)

I have a loan with XXXX XXXX, CNS PORT SVC, and DEPTEDXXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, CNS PORT SVC, and DEPTEDXXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I WAS IN XXXX  FOR SEVERAL YEARS SOMEONE USE MY PERSONAL INFORMATION TO APPLY FOR LOANS AN CREDIT CARDS MY INFORMATION WAS ALSO PART OF A DATA BREACH WHERE MY INFOMATION WAS USED FOR IDENTITY THEFT THERE ARE SEVERAL FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THAT I DO NOT KNOW AND AM NOT FIMILAR WITH THESE ACCOUNTSI am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-08-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

At approximately XXXX XXXX  On XX/XX/XXXX I received an alert for a {$390.00} charge on my card that I did not authorize for XXXX XXXX. Upon awakening the following morning and seeing this notification, I contacted Bank of America to dispute the charge, and a claim was opened. I received a letter from BOA dated XX/XX/XXXX stating that my claim had been resolved, and a credit was placed on my account. Over a month later, I received a letter from BOA, dated XX/XX/XXXX stating that they received documentation confirming I had received the merchandise or service from the merchant. Being that I had in fact not received any goods or service from XXXX XXXX, I called BOA on the business day after I received this letter, XX/XX/XXXX. The agent told me again that they had received proof from the vendor that I had received the merchandise, and authorized the charge. When I asked what the proof was, I was told they gave my name and address. Concerned, I asked additional questions ... stated that they needed to look at my account history, ( I have had this account since XXXX ), and insisted I did not make this purchase. No one I even know ; friends, family, and even acquaintances, have flown anywhere since the COVID pandemic started back in XXXX. I am not disputing the {$8000.00} charge I made in XXXX. That was totally a authorized charge by me, taking advantage of a great sale on a new roof for our home. I am disputing a charge of {$390.00}, for what appears to be an airline ticket, bought in the middle of a pandemic, by a family of 5 that rarely travels, let alone by air. The representative that took my call stated she would reopen my claim with all the information that I provided, and it seemed like the outcome would be favorable after our conversation. Again, I have been a card holder for over 20 years, and can not recall any previous fraud claims with them. Today I received another letter from BOA dated XX/XX/XXXX, stating their decision to decline my fraud claim stands. The merchant provided documentation confirming you received the merchandise or service. Again, I ask, what is this proof? My name and address? I can promise the proof is not an airline ticket in mine or my familys name, or any known acquaintance. This is extremely concerning to me as that information, that they claim is proof, can easily be found on any public records.
Consumer complaint received 2020-06-16
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. (FL)

I WAS IN XXXX FOR SEVERAL YEARS SOMEONE USE MY PERSONAL INFORMATION TO APPLY FOR LOANS AN CREDIT CARDS MY INFORMATION WAS ALSO PART OF A DATA BREACH WHERE MY INFOMATION WAS USED FOR IDENTITY THEFT THERE ARE SEVERAL FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THAT I DO NOT KNOW AND AM NOT FIMILAR WITH THESE ACCOUNTSI am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  XXXX. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXXXXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX : Account NumberXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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.
Consumer complaint received 2020-08-08
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: ACIMA CREDIT, LLC (GA)

I have a loan with XXXX XXXX, XXXX CREDIT FKA XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, ACIMA CREDIT FKA SIMPL,  and XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-08
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 (GA)

I have a loan with CAPITAL ONE, XXXX XXXX XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CAPITAL ONE, XXXX XXXX XXXX XXXX, and XXXX  with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-08
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. (CA)

I am furious with equifax!!! I FAXED ON SEVERAL DIFFERENT DAYS MY REQUEST TO REMOVE FRAUDULENT INQUIRIES FROM MY CREDIT REPORT AND THEY REFUSED TO REMOVE THOSE INQUIRIES AFTER I SUBMITTED A COPY OF MY IDENTITY THEFT REPORT WITH ALL THE INQUIRIES LISTED. THEY REJECTED MY FTC REPORT BECAUSE IT DOESNT GIVE EXACT DATE AND IT ONY SAYS THE MONTH AND THE YEAR, ITS NOT MY FAULT THAT IDENTITYTHEFT.GOV ONLY ALLOWS YOU TO ENTER THE MONTH AND THE YEAR OF INQUIRY. HOW ELSE AM ISUPPOSED TO WRITE THE EXACT DATE, AND ALSO IF I HAVE MORE THEN 5 INQUIRIES AND IT ONLY ALLOWS ME TO ENTER 5, I WROTE THE REST IN MY PERSONAL STATEMENT AS ADVISED. PLEASE HELP IN REMOVING THESE FRAUDULENT INQUIRIES FROM MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT, AND MY INFORMATION WAS STOLEN AND USED TO TRY AND INQUIRE THESE ACCOUNTS.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX  used to be a Philadelphia based bank, now it is owned by an international parent. The bank has this month filed a delinquency on my credit report despite I havent done any business with them for many years. I dont know what I have to do to deal with this hostile international institution that took over my Philadelphia bank and I stopped doing any business with for years. Isnt it enough for me to stop doing business with this foreign corporate raider that took over my friendly bank and fired the staff with whom I had decades-long relationships? Now years later I see they are attacking me on my credit report for no reason with a delinquent account report? I have not done any business with them for years ; they are predatory.
Consumer complaint received 2020-08-08
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have had a credit card with Bank of America since XXXX. Today, XX/XX/XXXX I got a letter in the mail saying my credit card since XXXX was closed on XX/XX/XXXX because I hadn't used it enough. I immediately called and the person I spoke with said that Bank of America changed the rule on XX/XX/XXXX, and no longer has to notify customers before they close accounts. I asked for when I was notified of this and the person I spoke with said I wasn't notified. The person I spoke with said that they had emailed me to tell me my card was canceled on XX/XX/XXXX. I said I am NOT signed up for ANY email notifications only postal mail.
Consumer complaint received 2020-06-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Valor Intelligent Processing, LLC (IL)

Received phone call from XXXX on XX/XX/2020 at XXXX XXXX. Caller didn't identify himself with any debt collector and said I owe {$510.00} and how would I like to pay. I said I didn't owe anyone and I disconnected the call. 

Received second phone call from XXXX on XX/XX/2020 at XXXX XXXX. Caller again didn't identify himself with any debt collector and again asked how I would like to pay {$510.00}. I said if I owed a debt they must send me notification via mail. Caller argued and said I still needed to pay today to take care of this. I disconnected call after caller began to raise voice. 

On XX/XX/2020 I received a letter dated XX/XX/2020 from " Valor Intelligent Processing '' concerning an owed collection from XXXX  XXXX in the amount of {$510.00}. I contacted XXXX XXXX directly and confirmed I have no accounts in collection and the account number on the letter was not a valid account number.
Consumer complaint received 2020-06-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

On XX/XX/2020, I received a cashiers check for {$1900.00} from a customer who wanted to purchase used appliances I was selling on XXXX XXXX. I deposited the cashiers check online through my Bank of America app. The next morning, I was surprised to learn that BOA had given me access to the funds. I was then asked by the customer to transfer {$900.00} through XXXX, a money transfer tool BOA endorses on its websites and my accounts. The transfer was to the alleged delivery person who was supposed to pick up the appliances. That evening, once the transfer was placed, I receive an erratic text message from the customer telling me he changed his mind. It raises red flags because he started hurling accusations at me and threatening me. I immediately contacted BOA, the local police and the FBI to report the incident, which turned out to be a fraudulent scam. Ive tried working with BOAs Fraud and Recall Departments and have been told I am solely responsible for the scam, that its essentially my fault, because I used XXXX and authorized it. Its been a month now and even though no resolution was attempted, I receive an email on XX/XX/XXXX from BOA telling me that the account that was affected, my checking account has been closed, thereby closing the investigation. Through this one-month period, aside from being blamed for the transaction, Ive had the BOA fraud department put a hold on my savings and checking accounts on a Friday evening, right before XXXX, when the banks closed. I then received a phone message around that time informing me of this decision. I didnt have access to any money, debit cards or credit cards for three days, including that weekend. I went to the local BOA and was told there was nothing they can do, and I called the customer service line with no luck. I had no cash or credit on me whatsoever, and a XXXX year old son who was spending the weekend with me. Also, I was told they would start an investigation and then told no, they wouldnt because they cant force the receiver of the funds to reimburse me. All along, Ive had multiple BOA agents and managers tell me it was my fault that I authorized this transaction. I dont use any online money transfer tools to make payments, but since BOA endorsed XXXX on its website and its app, I believed the transaction would be carried out in good faith and due diligence. As guardians of my money, BOA has a duty to protect me, their customer for 21 years. I want this situation resolved by being reimbursed the {$900.00}.
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

We have a checking account with Bank of America ( for many years ). Our checking acct is under the names of XXXX XXXX XXXX and XXXX XXXX. On XX/XX/XXXX, my husband wrote check # XXXX for {$2500.00} payable to XXXX XXXX for a description of XXXX XXXX trip. XXXX let us know that he never received the check in the us mail. When we checked online, we saw a copy of the check and XXXX XXXX  name had been scratched out and someone named XXXX XXXX name had been written in and he had deposited it into his XXXX account. For some amazing reason, BOA allowed this and debited our account the {$2500.00}! We had to write a replacement check ( we were afraid to send to XXXX XXXX so my husband wrote a replacement check number XXXX to another friend for the XXXXXXXX XXXX trip. ) BOA originally told us it would take 7-10 days to put back in our checking account and we still dont have it. Please help. Thank you.
Consumer complaint received 2020-08-08
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

I called the credit bureau just on yesterday which was XXXX the XXXX, to correct some inaccurate information. Well the address was deleted, but I also had other issues ; which I thought were resolved such as a collection that was on the report that had already been paid and wasn't removed and also student loans being reported inaccurately even though the government is given credit for them during the pandemic and my credit score went down 23 points on this morning because I called on yesterday this is not fair to the consumer. It's like I'm been incriminated for trying to fix my credit report from faulty information from experian.