davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

I was purchasing a timeshare but due to a tragic death of my husband and myself being unable to use it because I was XXXX XXXX XXXX XXXX XXXX XXXXXXXX  I was forced to sell the timeshare. 
After the sale, the timeshare company billed for the monthly charge and maintenance fees. I notified XXXX of the mistake and notified the credit card company, Barclays, of this as well. XXXX said they would notify the credit card company and after I notified Barclays the error was to be adjusted. Barclays never made the adjustments and added late charges and fees and sending a bill each month. I, and family members have made multiple calls to Barclays to get this resolved and have been told it is a XXXX balance and late fees are reversed but they continue to bill each month with a credit and additional fees. 
They have reported my account to the credit burials and have ruined my excellent credit. And they canceled the card, not that I used it.
Consumer complaint received 2021-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Earm LLC (TX)

They asked for a person that is not me. They have called repeatedly asking for someone that is not me. Despite me saying I am not that person and telling them to stop calling or I will file an official complaint, they continued to call. Not only have they continued to call, but their calls increased to several times a day.
Consumer complaint received 2019-10-08
Product: Vehicle loan or lease — Title loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

I took out a loan with wells Fargo some years back on a car that I had already owned! A XXXX  XXXX XXXX which was {$5000.00}. The loan was paid in full and I received proof of payment and the title. The problem is Wells Fargo is damaging my credit report with all three credit bureaus as if I took out two separate loans with them and I only had one EVER! One account is showing under account number  XXXX and the other is showing under XXXX. They are reporting one correct in good standing no late payments, then the other they are reporting 120 days late WHICH NEVER happened this error is under account number XXXX. 

I have disputed this several times and Wells Fargo Bank Auto is refusing to view their records to see their mistake to correct it, they are only seeing that I did have a loan and reporting it as accurate. I have reached out to Fells Fargo by phone and certified mail to correct this. When I called I was informed by the rep that my account was never XXXX late, which I knew. She provided me with their reporting department address. I sent them certified letter with proof with no response! I even emailed and to the CEO and still no response!
Consumer complaint received 2022-02-07
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion is failing to address and meet my demands whereas I submitted evidence and opened multiple disputes on my credit report for accounts that were compromised and opened due to identity theft. Instead of investigating which now it has been over 30 days since I contacted Transunion where I haven't heard back on any investigation results disputes or notified of anything that went on. They send me a letter pertaining to the dispute that they don't think that the information sent was from me the consumer when it was 100 % me and I provided proof of identification that the dispute was from me. Transunion is doing this to cover up and buy more time for these inaccurate, illegal reporting accounts on my report that is significantly harming me where I am unable to go for a mortgage loan in which I am currently shopping for. I need the CFPB to address this and help me Transunion already has all the documents required to get this investigation going and need the CFPB to help put pressure on Transunion to stop this illegal activity and to process these disputes so I can get these accounts that are not mine and don't belong to me off so I can get my home.
Consumer complaint received 2022-02-25
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: Tesla, Inc. (IL)

Hello, I ordered a new Tesla XXXX XXXX on the manufacturer 's website on XX/XX/XXXX. I was presented with a {$60000.00} 2.49 % loan offer from XXXX XXXX XXXX  on the same day, but did not sign any loan documents. Vehicle delivery was scheduled for XX/XX/XXXX. 

On XX/XX/XXXX I went to the XXXX dealership location ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) to pick up the car. Unfortunately the car was physically damaged and had several error notices showing up on the main screen. I spoke with a Tesla representative ( XXXX ) and he told me in his experience this was not normal. I told XXXX that I would reject delivery. XXXX told me that this would not be a problem and that Tesla would cancel the order, have a new car/VIN allocated for me to be delivered at a later time. 

Tesla does NOT allow future owners to inspect the interior of the car and/or the software/computer inside the car before signing the documentation, therefore I was forced to sign their paperwork prior to completing my inspection of the vehicle. I asked XXXX if this would be a problem after I rejected delivery, he said no. He promised me orally and subsequently via text that my deposit ( {$8700.00} ) would be refunded shortly, that the documents would be cancelled and that a new car will be ordered. 

On XX/XX/XXXX I received a notification from XXXX that a new lien was added to my credit report. This was the XXXX XXXX XXXX  loan for {$60000.00} that I never accepted because I rejected delivery of the vehicle. I reached out to XXXX immediately and asked him why my credit report was showing this loan. He told me that Tesla 's systems showed the loan contract as voided, that he followed up with Tesla 's financing team to confirm and that my deposit would be refunded within 30 days. I never heard back from XXXX. 

On XX/XX/XXXX a XXXX XXXX Bank employee reached out to me to let me know that that loan was showing as due in their systems and that I needed to start paying. I explained the situation to him and asked him to reach out to Tesla to confirm that the loan was voided/cancelled and that Tesla kept the car. I reached out to XXXX again and asked for some sort of resolution, but I never heard back from him. 

I filed a dispute with XXXX and today the dispute was " resolved '', but the loan remains on my credit report. I have tried getting Tesla 's help on this matter multiple times, but time and again they refuse to do anything to solve this issue.

I attach the communication I have had with Tesla for the past few months.
Consumer complaint received 2022-02-25
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: Experian Information Solutions Inc. (NY)

Violating the FCRA. I filed a dispute something they say they have investigated but upon checking no investigation was made. They are verifying a fraudulent account as accurate an account that has been correct on other credit bureaus
Consumer complaint received 2021-03-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

The Debt in question is from XXXX XXXX XXXX XXXX account # XXXX. This account has been removed from off both my XXXX & XXXX Credit report for several years now. The problem Im facing is Experian has continued to report this account for several years now. Even after I have proven this account was fraudulent. But now the account is still reporting even after the time frame of 7years to report a delinquent debt according to FCRA rule FCRA 623 ( a ) ( 5 ) ( A ). Im asking Experian will you please finally remove this account you dont have to ask XXXX XXXX to verify anything anymore. It is your companies duty to remove any out dated negative information off my credit report with in XXXXyears immediately thank you.
Consumer complaint received 2021-10-29
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Collection Receivables, Inc. (AL)

Collection Receivables has violated several of my consumer rights. Collection Receivables has ruined my XXXX, XXXX and has XXXX me by calling to my employer several times in attempt to collect a debt that I do not owe. I have labeled several exhibits showing the consumer laws that Collection Receivables have violated attached to this statement. I have never signed a contract or agreement with Collection Receivables. Collection Receivables has caused XXXX XXXX for my wife and I. Collection Receivables has ruined my XXXX  at my current job. On XX/XX/2021 I mailed a copy of the attached documents to Collection Receivables showing the consumer XXXX found in their attempt to collect a debt.
Consumer complaint received 2021-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

I have been sending disputes to Convergent Outsourcing every month for almost 1 year to report a collection account that does not belong to me and have provided a notarized FTC Identity Theft Victim 's complaint form, a police report with XXXXPD of when my identity was stolen, and several disputes to XXXX. XXXX keeps reporting the debt and it's hurting my credit scores. This is very unfair since the account is not mine and Convergent Outsourcing has not returned my emails after I called in and their agents have not been helpful.
Consumer complaint received 2021-10-29
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. (MI)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Dept of Ed/XXXX  accounts XXXX XXXX
Consumer complaint received 2022-10-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (TX)

I have tried to contact the credit card company Express at the fraud line XXXX on XX/XX/2022 and again on XX/XX/2022 and I can not get anyone to help me dispute the fraudulent charges. I also made sure to report the card as stolen. They keep charging me intrest on the two fraudulent purchase made on XX/XX/2022 for XXXX and another on XX/XX/2022 for XXXX.
Consumer complaint received 2021-10-29
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. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2018-08-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

After sending information to verify myself with my disputeson XX/XX/XXXX and XX/XX/XXXX, Equifax, XXXX, & XXXX  have not investigated or responded to disputed items on my credit report. They have violated the FCRA 30-day-to-respond regulation.XXXX  finally responded XX/XX/XXXX but still in gross violation of FCRA regulations ....
Consumer complaint received 2022-02-25
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: OneMain Finance Corporation (CA)

Reviewed my credit report in XX/XX/2021, I noticed these accounts are still being reported inaccurately. I have sent correspondence disputing this inaccurate information on XX/XX/2021, and XX/XX/2021. I HAVE REPORTED TO XXXX, XXXX, AND XXXX XXXX THAT PER THE FAIR CREDIT REPORTING ACT, XXXX XXXX HAS FAILED TO PROVIDE ME WITH A COPY OF ANY VIABLE EVIDENCE, BEARING MY LIVE SIGNATURE. I have never done business with ONEMAIN, nor have I signed any contracts with this company. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a Consumer 's Credit Report. I am requesting ONEMAIN delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX, XXXX, and XXXX directing them to REMOVE this erroneous entry as well.
Consumer complaint received 2021-10-29
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft CAPITAL ONE Account Number : XXXX**** This is not mine. 

2. Identity Theft XXXX/XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft CAPITAL ONE AUTO FIN Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2022-02-25
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. (ND)

I have previously disputed with XXXX XXXX  and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2021-03-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

This is a follow up on CFPB cases XXXX, XXXX, XXXX. 

The cases I opened have been closed without addressing root cause. 

I requested stop payment on checks returned by XXXX directly by postal mail instead of sending them to bank directly. 

They were not processed, but I rescheduled payment to XXXX that was processed without funds in my account. 

I transferred funds into my account at XXXX XXXX IST on XXXX XXXX as I am in XXXX now, but it wasnt credited yet by wellsfargo until XXXX XXXX 


Account : XXXX The electronic funds transfer ( EFT ) from your XXXX account to your WELLS FARGO BANK NA checking account ending in XXXX in the amount of {$450.00} was processed on XX/XX/21. No further action is required on your part.
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX of 2021 I received a solicitation from Bank of America that if I opened a new checking account with them and set up automatic deposits over a given amount of time I would receive a {$300.00} credit to my account. I assume I received this as I was a long term credit card holder with them and they were looking for me to join them with a checking account. I met the qualifications given me but did not receive the credit promised. I called in XXXX and was told that yes I did meet the requirements and should receive the credit in a couple weeks. In XXXX I still had not received the {$300.00} and called again. I was told again that they didn't understand the delay and would see that the problem would be resolved. Still not seeing the credit I called again in XXXX and was told that they could not find such a program offered by them and I would not be entitled to the credit. I checked online and they are still offering the program and when I checked further they did indeed offer it the summer of 2021. I set up my checking account over the internet and do not have any documention that I was opening the account based on the fact that they were offering this promotion but it was the basis of my descision to do so.
Consumer complaint received 2022-02-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (OH)

I go to bank every week usually have to stand in line 45 minutes why is this happening when 5 clerks working in bank? But only one person at the counter waiting on people I asked why and they said this is their policy this US Bank in XXXX XXXX XXXX Ohio needs customer services training!
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MN)

On XX/XX/XXXX I placed a freeze on my credit with Experian. I did not get a confirmation email stating it was in place as I should have. I tried to find a way to contact them to get a verification email, however, there is no way to talk to a person there. It just keeps giving you the same automated information.
Consumer complaint received 2021-10-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I was called on XX/XX/XXXX from a USAA Number ( XXXX ) XXXX asking me about a fraudulent charge of {$63.00} made in XXXX Florida. I confirmed on my USAA app and found the charge, I didn't make this charge, and the person on the phone said they were going to cancel my debit card and send me a new one because they believed my card and account got hacked. In this process, they were asking me to verify information that they were reading off to me ; my address, phone number, email address. Asking if this information was accurate or not. As well during this time they had sent me two one-time security codes through the USAA security code number ( XXXX ) that i have been receiving security codes from USAA ever since I started banking with them four years ago. As well during the process I had received three emails from USAA in regard to the fraud attempts on my account. After verifying the security codes at some point they had asked me for my pin to my account ( a normal question USAA asks of there customers ) and i gave them my pin, they put me on hold and then during the hold time i received a notification from the same number ( XXXX ) that a wire transfer was initiated for {$26000.00} from my account. I told the person I didn't authorize that and they tried assuring me that this was part of the test for them to see if my account had been hacked. At this point it was far too late, but i realized i was being scammed and hung up and called USAA Fraud department immediately to report the case. USAA verified that no one from USAA had tried contacting me through their phone logs and that this was a scam and a fraud attack on my account. They put in the that this fraud wire transfer be investigated to try and get my money back through the bank. On XX/XX/2021, and after many phone calls from myself to USAA on checking the status of the investigation, they had told me the investigation was completed and no fraud was found. I will not be receiving my money back, even though I was a victim of fraud and they were utilizing USAA phone numbers, emails and one time codes. I filed a dispute against the outcome of the case, and they are as well putting the case under re-investigation. I have no been updated at this time. USAA on XX/XX/2021 sent an email to their members ( in which I didn't receive ) but my friends who bank with them did, on being alert to fraud and phishing attempts, showing they are aware people have been hacking or attempting fraud and scams on behalf of their bank. I would like to reiterate I did NOT receive this email.
Consumer complaint received 2022-10-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.