davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-13
Product: Credit card — 
Issue: Billing statement — 
Company: WELLS FARGO & COMPANY (NM)

I have a credit card through Wells Fargo Bank. I reached my limit and came to a payment agreement with them that I would no longer be able to charge on my card. They are taking automatic deductions from my checking account. However, once they started doing that they stopped sending me statements in the mail. I tried opening an online account so I can keep track of the account and the site would not allow me to do so. I called them to ask them to help me set up an online account and they told me that because the account was " over charged '' and had been closed, that they would no longer provide me with or allow me to open an online account. The only way they offered for me to follow the progress of my payments was to call them monthly and they would tell me what my balance is. Can they take money from me without giving me a written method of following the account? For all I know, the money could be going to another account or being put into someone 's personal account. I want to be able to open an online account so I can check on the balance and make sure my money is being applied to my account.
Consumer complaint received 2022-10-24
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. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Collection Agency Name : XXXX  XXXXXXXX XXXX Address : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Collection Agency Name : XXXX, Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Agency Name : XXXXXXXX XXXX XXXX XXXXXXXX : XXXX XXXX In accordance with 15 USC 1692g, I XXXX XXXX XXXX, a consumer , am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, XXXX, and Equifax about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Consumer complaint received 2022-01-27
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 — Investigation took more than 30 days
Company: ID Analytics, Inc. (FL)

I contacted XXXX XXXX XXXX XXXX over 30 days ago to give me the proof that my accounts were actually charge offs/write offs as displayed on my credit reports and they never did. But since I'm not representing myself as a lawyer I feel that I'm being ignored. The reporting bureaus with the exception of XXXX did not delete these charge offs/write offs as by law were expected they just waited. XXXX, XXXX, SAGE STREAM, XXXX, XXXX, XXXX and XXXX XXXX ; I want these charge offs/write offs deleted from my credit reports ASAP.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRUIST FINANCIAL CORPORATION (MO)

Regional Acceptence agreed to remove this account off my report once so settled it the them. They have not kept their word as it remains on my report. I have called and still no answer or call back.
Consumer complaint received 2021-05-17
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. (FL)

Please help me with accounts that I do not recognize. I just found these items and I want to inform you officially that these accounts are not mine. I am victim of identity theft and I want to complain on these items. I just can not move forward in my life due to this situation and I consider it as violation because these accounts are not mine. If you can please remove them from my profile after verification.
Consumer complaint received 2022-01-27
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 — Investigation took more than 30 days
Company: LEXISNEXIS (FL)

I contacted XXXX XXXX XXXX XXXX over 30 days ago to give me the proof that my accounts were actually charge offs/write offs as displayed on my credit reports and they never did. But since I'm not representing myself as a lawyer I feel that I'm being ignored. The reporting bureaus with the exception of equifax did not delete these charge offs/write offs as by law were expected they just waited. XXXX, XXXX, XXXX XXXX, LEXISNEXIS, XXXX, XXXX and XXXX XXXX ; I want these charge offs/write offs deleted from my credit reports ASAP.
Consumer complaint received 2022-01-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Affirm Holdings, Inc (TX)

I booked a trip with XXXX XXXX XXXX and was approved through Affirm for a loan. Upon getting the loan from Affirm, the trip was paid in full and I would be making payments to Affirm for the trip. I took the cancel for any reason insurance through XXXX XXXX XXXX and a few days later I had to cancel the trip because of my husband 's health issues and him not being able to travel. I tried calling XXXX XXXX several times and I sent emails also that I wanted to cancel the trip. Instead oXXXX XXXX XXXX giving the money back to Affirm, they kept the money and just gave me a credit. If a person is unable to travel, how can the merchant force you to travel? My husband can't travel at all now so I expected a refund not a credit! The insurance said cancel for any reason. I was not aware that XXXX XXXX XXXX  would not give the money back to Affirm. I have no collections on my credit report and do not want my credit destroyed by Affirm or XXXX XXXX XXXX. Affirm is still expecting me to pay them when this issue can be easily fixed by XXXX XXXX XXXX returning Affirm their money! I have no problem paying Affirm but feel XXXX XXXX XXXX was being deceptive in saying you cold cancel for any reason. I'm submitting by complaint in an effort to get assistance with this matter.
Consumer complaint received 2021-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX I was contacted on XXXX by the user name XXXX. 
I thought this was the day trader willing to give me training and invest my money. 
This user then told me to text him. He told me about an investment process that he would show me to make a ROI of XXXX dollars. ( I have all screenshots attached ). I sent a total of XXXX dollars to the website XXXX XXXX XXXX using the bitcoin wallet address XXXX. I was told I will receive my money back in XXXX hours. I then came to the conclusion he was not the real " XXXX ''.
Consumer complaint received 2022-01-27
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. (GA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2017-08-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

XXXX afternoon. I need your help. I am having issues with Toyota Financial Services. I 've leasing vehicles since XX/XX/XXXX, with no any problems, sin I authorized the Bank to take recurrence payments, this way never I was going to be behind. The situation started sinceXX/XX/XXXX, when I went to the dealer to returned my old Rav 4, XX/XX/XXXX, with only 10,000 miles. The last monthly payment for this old account was withdrawal by Toyota Financial on XX/XX/XXXX, {$350.00}. At the end of XX/XX/XXXX I brought to the dealer my Toyota Rav 4,XX/XX/XXXX, Acct. # XXXX XXXX XXXX. I got my new vehicle Toyota Camry XX/XX/XXXX, same payments, same due date. The problem started here. Toyota Financial withdrawal onXX/XX/XXXX, {$350.00}, and instead to apply this payment to my new vehicle, Acct. # XXXX XXXX, the bank applied this payment once again to the old account for the vehicle that I returned at the end of XX/XX/XXXX. The dealer took care of the paid off, having XXXX balance. I sent via Certified Exhibits to the 3 Major Credit Agencies, since Toyota Financial sent a bad report against me, stating I was behind sinceXX/XX/XXXXup to XX/XX/XXXX. I submitted Exhibits showing receipts from Toyota Financial, statement from the bank and also Ref. # to prove that the bank is incorrect and I am correct. The 3 Major Credit Agencies contacted Toyota Financial Services, after the confirmed that I am correct and not behind, also asking the bank to apply theXX/XX/XXXX to my right account, since the bank applied that payment to my old NON existent account. This bad record was removed on my behalf. However Toyota Financial, just sent me a new bill for {$730.00}. I called 4 times, discussed this matter with 4 customer services, the names, XXXX XXXX other with ID XXXX they put me on hold never came back, every one have different statements, that I did not pay XX/XX/XXXX, I advised I 've the letter from Toyota Financial as receipt of my payment, the last one says I did not pay XX/XX/XXXX, I advised her I submitted to you guys Exhibits of each payments to my new Acct. she said we do not have nothing. Toyota Financial promised to the 3 Major Credit Agencies to update correctly the mistake, did not, because sent me a huge bill asking me to pay XX/XX/XXXX andXX/XX/XXXX $ XXXX, I paid XX/XX/XXXX already, the payment electronically has been submitted by XXXX XXXX, Toyota Financial received the payment onXX/XX/XXXX {$350.00}, XX/XX/XXXXpayment has been paid, and Toyota Financial still having it, refusing to move that payment to the right new account. I 've Exhibits, from XX/XX/XXXXup toXX/XX/XXXX, payments that Toyota Financial has taken and refused to upgrade my account.
Consumer complaint received 2022-01-27
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: Experian Information Solutions Inc. (GA)

On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to Experian, XXXX and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions XXXX regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Consumer complaint received 2022-01-27
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. (GA)

On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Consumer complaint received 2022-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MA)

Older adult students are being punished in the XXXX program. Periods of time that we are employed at a XXXX qualified employer while going to graduate school and making payments on our undergrad loans, we are not getting the credit for those payments. When the new XXXX waiver rules came out they said all payments would count. Now they have said its only while the loans were in repayment. I was told years ago that I did not have to take the loans out of repayment that I could keep paying on them anyway. I was also removed from XXXX for a period of time and told I would have to start over so I gave up until this waiver came out. This was after struggles where I asked to have the automatic in school deferment removed but it kept coming back. In addition, none of the payments made before I consolidated loans are being counted either. Lastly, if students who did not pay what they should have are getting their payments counted, why arent ours counted when we did pay?
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Accordance with the fair credit reporting act. The account below has violated my XXXX  XXXX  consumer rights to privacy and confidentiality under 15 USC 1681.Acct # XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States. I have the right to privacy. 15 U.S.C. section 604 A section 2. It's also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer reporting containing any of the following items of information. And other adverse item of information, other records of crimes which antedades the reports by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

i had my capital one secured card since about 2015. I was late one payment one time due to an accident. Due to someone using my card in another country i had to cancel my card that was attached to it for payments and get a new card. I had forgotten i already had an automatic payment scheduled and they tried to take payment twice. It failed and they closed my account without even telling me tranactions failed the first time or even the second. i called them but no to avail they would not budge i also sent a reconsideration letter because i didn't want another hit from them on my report. So now i have a closed account just sitting on my report, they claim a failed payment is fraud and thats why it was closed. i have asked for reconsiderations but nothing.
Consumer complaint received 2022-04-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (TX)

I was in bankruptcy but have since been dismissed in XX/XX/XXXX. I made payments to the trustee and those payments went to the mortgage as I had no other debt. Fay Servicing is my current serviced and they are claiming that last payment posted was to the XX/XX/XXXX payment. I requested a loan payment history on XX/XX/XXXX. I have not yet received my loan history and have since requested it and spoke with representatives from Fay multiple times. ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ) Additionally i was sent an assistance package which I completed and faxed in on XX/XX/XXXX. I spoke with XXXX on XX/XX/XXXX on how to fill it out after not Reaching my account XXXX and leaving him a voicemail. XXXX stated XXXX to send in paystubs And I followed accordingly. Fay is not accepting my assistance package now per some time limit stating they do not have a complete package because of paystubs though I did exactly as instructed by the representative XXXX.
Consumer complaint received 2022-01-27
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: Experian Information Solutions Inc. (MN)

Good day! 

For a few months now, i have been complaining about a negative account that should be paid as agree. But XXXX, XXXX and Experian keep on tagging it as late causing it to be considered a negative account which has been affecting my scores greatly. I have also complained about unauthorized inquiries in my account that i have no idea of and is in my account without my consent. I hope you can help me remove these as it has already caused me so much burden
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

I have a Home Depot Credit promotional card that I use. in XXXX, I paid the balance of {$450.00}. Apparently, they found that the balance still owed {$1.00}. Unknown to me, they sent me a bill which included interest payment of {$250.00} + Interest payment of XXXX and plus interest charge of XXXX. 

Practically all the money in the balance is penalty for what they said was unpaid {$1.00}. 

You can't allow a big corporation to use its power again an ordinary consumer like and scam me of {$280.00}. 

Please help. This has made me sick.
Consumer complaint received 2021-05-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

My loan was transferred from XXXX XXXX to XXXX XXXX XXXX and they have refused to send me my pay-off since XX/XX/2021. I have been trying to lower my rate from a 4.125 to a 2.375 % and they refuse to send me the pay-off. It took them months to send me my mortgage note and other documents requested.