davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-22
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: WELLS FARGO & COMPANY (SC)

In XX/XX/XXXX, I submitted a written request to Wells Fargo for an adjustment update of my payment history to the credit agencies. On XX/XX/XXXX, I received correspondence from Wells Fargo Home Mortgage ( HM ) with the determination that the agency has been sending accurate account information to all consumer reporting agencies. As a special note, I have been working for the past year to get this information corrected, to no avail. 

On XX/XX/XXXX, I found that Wells Fargo HM continued to report inaccurate credit activities ( payment and account balance ) for my account since XX/XX/XXXX. 

On XX/XX/XXXX, I appeal to Wells Fargo to report my account accurately with a request for the reason why the agency suppressed reporting my credit payment and account balance activity. On XX/XX/XXXX, Wells Fargo ( XXXX XXXX ) reported to me that they will they are not required to submit monthly credit reporting activity with the correct balance and will not correct my account activities to any of the credit companies.
Consumer complaint received 2019-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Capital One has been made aware that their has been fraudulent activity using my Social Security Number and name. Someone added an authorized user on my account with a separate card sent to them at a different address. Requested that the accounts be closed. Two months  later I receive a request for copies of my drivers license and social security card in order to open a new account. Someone had placed a hold on my mail around this time, contacted them and said that I had not applied for a card and to close any accounts. They said it would be taken care of, a couple days later I received a notice stating my new card was sent and I should have received it by now. Called again and the first person said there was an account open and connected me to their supervisor who stated that all accounts were closed. Called again today because I saw that a letter from them was supposed to have arrived today and had not. Apparently another account was opened in my name, what am I supposed to do? My credit reports are locked at two of the  reporting agencies yet they keep opening accounts?
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I followed directions with Capital One on an expedite payment to clear an account I had with them. I sent in documentation, verification, and a guaranteed funds bank cashier 's check that settled the account in full. I followed up and thru with the receiving and deposit of the payment. Capital One was obligated to expedite the payment and FORCE UPDATE my 3 credit reports that the account was settled in full, closed, and at a zero balance according to communications between Capital One and Myself. I did my part and now they are attempting to fail to follow through on their part of the agreement. The company is trying to take advantage of consumers like me attempting to resolve a matter. I have been on the phone with them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and finally OVER an hour on XX/XX/XXXX with a so called supervisor who literally needs proper training. Her id # is XXXX however, did not follow through with Capital One 's obligation pertaining to this payment and account nor acting like she could not help me AND I was told there was no one else above her that I could speak with. I requested information for her supervisor or Capital One 's executive offices to follow through with Capital One 's obligation to this case, however I was told that information was not available. Once again a large company attempting to take advantage of consumers by not following through on their part of the agreement at hand. Please see all attachments showing the original letter that was faxed and mailed certified that mentions all previous obligations that were discussed by both parties, copy of notarized check copy showing it was deposited by Capital One, original notarized letter from the bank regarding the valid bank cashier 's check, original letter regarding settlement with XXXX and XXXX.
Consumer complaint received 2019-01-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

As I already reported via telephone, I am a Victim of identity theft. I have recently learned that my personal information was used to open an account at XXXX XXXX. I did not open this account, and I am requesting that the account be closed and that it be absolved of all charges on the account. This account was bought by this NCA a  third party, which acquired a debt that was not authorized and is not lawful to pursue action on something that has not been validated.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (CA)

I have two accounts with Ally Financial my payment history has been outstanding good record. Every month I've made my payments on time and always paid balance owed or larger. 
In XXXX of 2022 I thought I had scheduled payments for both personal and business. I started getting calls after the XXXX saying that my payment was past due. By the time I logged in I was a payment behind 30 days. I immediately submitted the past due payment and payment that was upcoming. In those 30 days I was dealing with a lender getting documents and things together that I did not catch that the personal payment was not submitted it was a honest mistake and you can tell by my track record with the financial company that payments with both accounts have always been on time. I was financial capable at the time but for some reason either I didnt hit submit all the way through the end. I have called this company to ask them for forgiveness because I have seen testimonies stating they are good on issues such as those. They reported a claim but I have not received a letter back.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} XXXX XXXX XXXX Date Opened XX/XX/scrub>XXXX XXXX XXXX  this information has been reported and don't belong to me in results as fraud
Consumer complaint received 2022-03-25
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: FIFTH THIRD FINANCIAL CORPORATION (KY)

The original amount of the purchase was XXXX. The merchant took and additional amount of XXXX out of account that was never authorized or use to purchase anything. Tried to contact the merchant via email no number listed unsuccessfully ( phony web site ) contacted both 5/3 bank and XXXX. Advised them I had one UN AUTHORIZED transaction for XXXX that I had no ideal. Advised I would also like to dispute a charge for XXXX believe to be a scam because additional money XXXX that I did not authorized came out. 
Both the bank and XXXX Denied my dispute because the merchant provided tracking numbers to say it was Delivered. 

However In contacting the USPS it was not delivered TO MY ADDRESS, but an undisclosed location. I have Never received anything from this company, and they took money out that was Never authorized, and have not been able to contact them. My bank and XXXX denied my dispute because of tracking numbers that said it was delivered EVEN THO IT WAS NEVER DELIVERED TO ME OR MY ADDRESS. 
How can I get my bank or XXXX to do a CHARGEBACK to the merchant. I have been a customer with both for over 30 years, and they refuse to assist me in any way. 
5/3 bank XXXX Merchant : XXXX ( no email or phone )
Consumer complaint received 2019-01-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION (MN)

I recently purchased a new vehicle and traded in my XXXX XXXX XXXX. The dealership paid off my existing loan with Credit Acceptance Corp on XX/XX/XXXX. I contacted Credit Acceptance Corp after that date and asked when I would get my refund of the over payment. They stated I will have it by XX/XX/XXXX. Not sure why it takes 4 weeks to refund someone an over-payment when they have it all on their books effective XX/XX/XXXX. 

I called about four times through last week asking about my refund and they finally told me that it was {$540.00} approximately. I asked when they check was sent they stated XX/XX/XXXX. They also sent a separate document that laid out the payoff. I received that document via regular mail on XX/XX/XXXX. The check was not included in that letter. I called Credit Acceptance Corp again and they stated that letter comes out of a separate department than my refund check but they were both sent the same day. To this day I still have not received my check. 

This complaint is being filed because they have had my money for over a month and continue to tell me its in the mail when its been 12 days and I still have nothing, it should have arrived the same day as the other document. I am starting to thing they are scamming me and do not have the money to refund me. I ask the CFPB to look into this matter to investigate for potential fraudulent activity by Credit Acceptance Corp.
Consumer complaint received 2022-10-26
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. (NY)

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 U.S.C 1681. 

Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # 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 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 and any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.I 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 2021-10-28
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. (KS)

*This is not a duplicate complaint. ** This is not a request for an investigation or reinvestigation. ***This is not a matter that is in need of verification or validation. I am the original creditor and do not verify or validate this. Experian is illegally and repeated posting information om my credit report that Congress deems to be illegal pursuant to 15 USC 1666b number a. It reads and stands as law as follows : A creditor may not treat a payment as late on a credit card account under and open ended consumer credit plan for any purpose, unless the creditor has adopted reasonable procedure designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Therefore, this is illegally posted on my report and needs to be removed immediately. 

XXXX XX/XX/2021 acct XXXX 30 days late XXXX XX/XX/2021 acct XXXX 60 days late Please remove immediately. Thank you
Consumer complaint received 2022-05-17
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. (LA)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX and TRANSUNION the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following accounts are listed below : 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 2022-05-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (OK)

I got money stolen from me and seems like no one is helping on getting it back. I am also doing a police report. This happened back in XXXX and i am still fighting it. I got an email to transferred my 20 percent down to who i thought was the title company and it end up being a fraud and i lost all that money and seems no one is helping us. XXXX XXXX title was the title company and they didn't help me- even though the email was using their logo and things. I am afraid this is happening to other people and they are not helping. I tired getting the money stopped from my old bank, XXXX and they were no help. I canceled the bank... I am hoping the police can help but also wanted to try you guys. this was XXXX, XXXX Seems like the title company, bank and no one cares or what to help me get this money back. Its sad that people get away with that much money and no one is helping on getting it back. I almost lost a house and i have kids and just ddoesnt seem like no one wants to help/ thank you
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Good Evening, On XX/XX/2021 a check for XXXX was applied to my credit card. I became aware of this on XX/XX/2021 and I immediately contacted my bank and filed a claim. Unfortunately, the agent that I spoke with created two cases, one with an account number ending in XXXX which is not my account number and another for a total of XXXX ending in XXXX. As of XX/XX/2021 both cases were closed and I was left with a bill for XXXX and Bank of America provided me with no proof as to who could've committed this crime. They did however try to blame my husband who is the authorized user on my card. First of all, my husband would never write a check in order to receive money that we already have. Secondly, their is no way that he could've even done this due to the fact that we both work from home and he does n't drive, so I am his only means of transportation. Moreover after the denial from Bank of America I contacted XXXX and went ahead and filed a police report. XXXX was very helpful and provided me with guidance on how to move forward with filing my report. At this time, I am just waiting for Bank of America to re-review my case so that I can find out who actually did this. Furthermore, I did submit my police report to Bank of America along with a request for Identifying factors for the suspect. Lastly, this has been very troubling for me seeing as how this is my first time dealing with fraud in this way and to have your bank blame you is just so frustrating. 

Sincerely, XXXX XXXX XXXX XXXX CASE NUMBER : XXXX
Consumer complaint received 2019-11-20
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. (TX)

XXXX XXXX XXXX is attempting to collect XXXX for a cable box that I already paid XXXX XXXX for and I also returned the box. XXXX  assured me that they pulled this from XXXX XXXX and no other collection attempts and it would be removed from my credit.
Consumer complaint received 2023-07-19
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. (MI)

. 
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy.

In accordance with the fair Credit Reporting act ) COLLECTIONSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DATE OPEN XX/XX/XXXX, XXXX ( REPOSSESSION ) XXXX XXXX XXXX XXXX XXXX XX/XX/2017 ACCOUNT # XXXX I HAVE 2 LATE PAYMENTS BALANCE {$12000.00} 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.

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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts.
Consumer complaint received 2022-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2022-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (PA)

Ive received several phone calls and voice messages from a company by the name of Hunter Warfield. Each time they left a voice message, they spoke very fast and unclearly about who they were and what number I could call back on. They phone number they did provide was much different than the one that appeared on the screen when they called. On XX/XX/XXXX, I received another call and voicemail at XXXX. I called back at XXXX pm and spoke with a man that told me I owed approximately {$1000.00} for potential gross rent. When I asked what it was for, he stated that I was the guarantor on a contract and that I owed this money. 

He could not reference the exact contract nor the section of the contract that indicated I was responsible for such fees. The representative also failed to mention the name of the company I allegedly owed this debt to and did not offer to send me a copy of any statements regarding such debt. I assumed he was referring to my late fathers apartment complex. I informed him that my father passed away XX/XX/XXXX and that his belongings were cleared out of the unit by XX/XX/XXXX. The key was returned to the management office the morning of XX/XX/XXXX. The rent was paid in full and up to date until the end of the month. I offered to send in a copy of the proof of death which the property management already has on file. The Hunter Warfield rep stated that he was sorry to hear but that I still owed this debt because I signed a contract. He also stated I didnt need to send anything as his company would reach out to the property manager. 

To date, I have not received any bills or notifications from the apartment complex that any money is owed to them. I have not had time to fully mourn the loss of my father and to receive calls barely 3 months after his passing, from a debt collector about a debt I have no knowledge of is insulting and disrespectful. I will seek legal action if I continue to get any calls or see any negative items placed on my credit report as a result of this torment.
Consumer complaint received 2022-10-27
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here are the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.