davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-17
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: Experian Information Solutions Inc. (GA)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : UTILITY SELF-REPORTED XXXX - {$81.00}. Inquiries : EXPERIAN XXXX XXXX XXXXXX/XX/XXXX, EXPERIAN XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-02-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Regional Management Corporation (SC)

I went into the store on XX/XX/XXXX to sign the papers to obtain a personal loan. I was told by the rep that they include certain products with every loan and was not told it was an additional cost but rather included with the loan. Upon reviewing my paperwork later, I determined this was false and a blatant violation of the XXXX. I contacted the store immediately and asked to cancel all products associated with the loan. I was told I was unable to cancel the personal property insurance despite the contract stating otherwise and despite the fact that my renters insurance covers my personal property. The next day ( today, XX/XX/XXXX ) I received a survey in my email from their corporate office. The very last question was in regards to their personal property insurance and asked if Id been informed that my homeowners insurance or renters insurance was sufficient. Not only had I not been informed it was, I was again blatantly lied to and told that it was not sufficient without the branch even reviewing my renters insurance policy. This store misled myself and likely countless others multiple times to pad their own pockets- as I understand it, the employees at the branch receive a commission for the products that they sell. If they are doing this by telling customers its included and not explaining that its optional, they are violating the law, causing financial hardship for many, and dont seem to mind continuously lying.
Consumer complaint received 2020-07-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

XXXX Was charged a total of {$170.00} in bank overdraft charges over the last week. I am struggling financially due to COVID-19 issues and issues with unemployment and am unable to make bill payments because of these bank charges. I am already charged a $ XXXX  monthly fee. 

Company refused to reverse charges. Is there anything you can do to help?
Consumer complaint received 2022-02-18
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: Experian Information Solutions Inc. (SC)

On XX/XX/XXXX, I submitted to Experian two letters requesting validation of a debt with XXXX XXXX ( XXXX ). I specified my request for validation with proof of original debt and ink signatures. Experian claimes to have validated/updated this debt and maintains this record on my profile. In this process, I received a letter dated XXXX from XXXX stating they would close my dispute ( without honoring my request for verification ) on the grounds of them not receiving information they requested. I did NOT receive this letter. I also checked the payment portal, and one of the accounts on my credit file is no longer listed. 

XXXX is refusing to honor my request for validation and has removed a debt from my account, but continues to report on my credit file. Experian has clearly failed to do their due diligence in this dispute process, and I want these accounts removed immediately from my file.
Consumer complaint received 2020-07-28
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2018-05-04
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: ERC (FL)

I have filed an Identity Theft Report with the FTC over this issue, since ERC claims to have no written or verbal communication with me, nor do they have any of my identifying information but wants me to provide them with my driver 's license, proof of address and social security number. This does not seem like a legitimate company.
Consumer complaint received 2022-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I submitted an appeal for unauthorized transactions on my account. It was rejected twice because since the card was chipped they assume I authorize the charges. I called them on or about XX/XX/XXXX because I was on military orders and wasnt aware these transactions were being made during XX/XX/16 and there after. When I called obviously I had to open my online banking to tell them each and every transaction disputed but because of that they said the claim is to be closed since they saw I viewed my account numerous times. I submitted police report and called some of the places card was used but no help. I cant press charges on person who used my card. It is clear on the charges it was not me because I provided military duty orders that was at a location hours away from where my card was being used. They did reimburse some charges like air bnb, XXXX XXXX, XXXX but everything else they did not even if theyre multiple of the same amount from the same place. I feel a proper investigation would have businesses provide camera footage or even an address for delivery from places like XXXX. Obviously for protection they will not release an address or camera to me but that is why I also submitted police report. It also takes forever to get someone to answer calls.
Consumer complaint received 2020-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My wife has tried to open a dispute for misinformation reported by Transunion. They have tied the wrong name to her account, thus there is added lines of credit that shouldn't belong. This information is not being reported by any other credit agency. 

Every time we call we get the run around and sent to a different Department. When she calls to follow up, she is told that nothing happened and that she needs to go somewhere else. 

All Transunion needs to do is look at the information from Equifax and Experian to realize that their system is wrong. 

She faxed in information and was again told today that they didn't have anything and she need to, yet again, send her information somewhere else.
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

All credit cards or loans I have applied for have been denied due to fraud I used to live in XXXX and I moved to XXXX in XXXX so they have denied me because they thought I still lived in XXXX. And I recently got a state Id.
Consumer complaint received 2019-03-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo dealer services is violating the remediation stipulations with CFPB File No. XXXX. Wells Fargo is continuing to commit fraud on the customers in XX/XX/XXXX. Wells Fargo dealer services mailed me a check on XX/XX/XXXX for {$110.00}, as refund for applying unnecessary CPI insurance on my auto loan in XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX I called Wells Fargo to inquire in detail how the {$110.00} was calculated. XXXX from The office of the president conducted a 10 day investigation for remediation case # XXXX. The results of the remediation investigation revealed Wells Fargo actually applied 4 ( FOUR ) unnecessary CPI policies on my auto loan from XXXX, with a falsified explanation stating : POLICY1 : We received a cancellation notice from XXXX XXXX, POLICY 3 : We received an expiration notice from XXXX, POLICY 4 : We Did Not receive proof of insurance. XX/XX/XXXX I reopened the case with the office of the president for a second remediation with XXXX case # XXXX. I requested Wells Fargo Provide me with the documentation from XXXX XXXX & XXXX XXXX, stating my insurance was cancelled and expired. XXXX informed me those documents couldnt be provided to me, and that I had to obtain them from XXXX XXXX & XXXX XXXX. I contacted XXXX XXXX & XXXX, and received letters of experience for the dates XXXX provided in policy 1 & policy 4. XXXX XXXX & XXXX XXXX never informed Wells Fargo of the falsified cancellation or expired policies, I was covered durning those falsified dates. Wells Fargo also enclosed copies of notices sent to me via U.S.P.S regarding CPI policies fraudently placed on my account. Wells Fargo by this admission, committed mail fraud. Wells Fargo also violated the Truth In Lending Act and violated the FCRA. XXXX & XXXX at Wells Fargo are aiding the CPI fraud committed against consumers. I demand remittances of every payment I made to Wells Fargo for auto loan XXXX for violating the truth in lending act as required by law. I demand the entire fraudulent account be removed from my credit report, and NOT charged off to the IRS on a XXXX for violating the FCRA. I do not owe Wells Fargo anything for this fraudulent loan.This loan was deceptive from the beginning to the end. I demand Wells Fargo compensate me for committing mail fraud as required by law.
Consumer complaint received 2019-10-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC (IL)

On XX/XX/2019 we were closing on our Mortgage refinancing loan with Village Capital & Investments, LLC. I changed my mind and sent by fax the NOTICE OF RIGHT TO CANCEL on XX/XX/2019 before the cancellation deadline. When I spoke with my current lender I was told they no longer had my loan that it had been funded by someone else Village Capital. I spoke with the agent at Village Capital but he only tried to convince me to stay but I do not want to stay with them I dont trust the business practice. I also called the office only to get told they would email someone but no one has contacted me and I am frustrated and worried about whats going on with my home mortgage.
Consumer complaint received 2022-02-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (NY)

On XX/XX/XXXX, I contacted Key Bank, XXXX to dispute the overdrawn balance on my account. A charge of {$79.00} from XXXX was charged to my account on XX/XX/XXXX. In addition, XXXX overdraft fees were applied to my account. Fact : I have made XXXX deposits since opening the account on XX/XX/XXXX {$10.00}, XX/XX/XXXX {$20.00}, XX/XX/XXXX {$87.00}, and XX/XX/XXXX {$20.00} ). The largest charge to the account was {$52.00} for a gift card. My complaint stems from the fact on XX/XX/XXXX, when the account went into the negative Key Bank continued to authorize charges. Instead of declining them when the checking account did not have sufficient funds, Key Bank approved the charges while assessing reoccurring overdraft fees. There was no account alert provided for the fraud charge. Currently, Key Bank is charging {$120.00} to substantiate the account from its negative status. I am disputing the amount due to the fact that Key Bank had no grounds to authorize and continue to pay out of an account that had insufficient funds. On XX/XX/XXXX a XXXX XXXX charge of {$2.00} was approved and on XX/XX/XXXX another charge of {$2.00} was approved in addition to the {$79.00} causing the accounts dilemma. The account went into the negative on XX/XX/XXXX and Key Bank continued to approve the XXXX XXXX charges totaling {$4.00}. Subsequently, adding overdraft and recurring overdraft fees to the account. On XX/XX/XXXX I deposited {$20.00} to cover the XXXX XXXX charges. There were no monies in the account to cover the fraudulent charge of {$79.00} which was posted on XX/XX/XXXX. I initially opened the joint account just in case my sister wanted to deposit her Social Security checks and required my assistance to monitor her spending. I have managed to keep the account active by putting in little funds and providing some activity. However, I feel the fault remains with Key Bank and their willingness to cause financial harm off the backs of the struggling consumer during these unprecedented times. I am seeking to have the {$120.00} waived by the institution.
Consumer complaint received 2020-07-28
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrectXXXX XXXX XXXXXXXX {$15000.00}
Consumer complaint received 2022-06-14
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX and XXXX has violated my rights. 

15 U.S.C. 1681 602a : States that I have the right to privacy.

15 U.S.C. 1681 604a Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (NC)

XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Division TD Bank [ Address ] [ City, State, ZIP Code ] Dispute of Collection on Credit Report To Whom This May Concern I XXXX XXXX I hope this letter finds you in good health. I am writing to dispute a collection entry on my credit report, which I believe is inaccurately associated with my credit history. 

I recently reviewed my credit report from the three major credit bureaus, namely XXXX, XXXX, and XXXX. To my surprise, I discovered a collection account that does not belong to me. I would like to bring to your attention that this entry violates the following consumer protection laws : 1. Fair Credit Reporting Act ( FCRA ) : The FCRA mandates that credit bureaus maintain accurate and up-to-date information on consumers ' credit reports. In this case, the collection entry is erroneous and does not reflect my credit history accurately. 

2. Fair Debt Collection Practices Act ( FDCPA ) : The FDCPA prohibits debt collectors from engaging in unfair, deceptive, or abusive practices. This includes reporting inaccurate information to credit bureaus, which has negatively impacted my creditworthiness. 

3. Fair Credit Billing Act ( FCBA ) : Under the FCBA, consumers have the right to dispute inaccurate charges and billing errors. The collection entry in question does not pertain to any debt that I have incurred, and therefore, it should be removed from my credit report. 

4. Fair and Accurate Credit Transactions Act ( FACTA ) : The FACTA ensures that consumers have access to their credit reports and have the ability to dispute inaccurate information. I have taken the necessary steps to review my credit report and am exercising my right to dispute this collection entry. 

I request that TD Bank, as the creditor, take immediate action to investigate and rectify this error. I kindly ask that you provide me with a written response within 30 days, acknowledging the receipt of this dispute and informing me of the actions taken to resolve the matter. 

In addition, I urge TD Bank to notify the credit bureaus ( XXXX, XXXX, and XXXX ) of the inaccuracy and request the removal of the collection entry from my credit reports. This action is essential in ensuring the accuracy of my credit history and maintaining my financial reputation. 

Please find attached copies of supporting documents, such as credit report excerpts highlighting the erroneous collection entry, as well as any other relevant information that may assist in the investigation process. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the provided phone number or email address. 

Thank you for your understanding and cooperation. 

Consumer Financial Protection Division TD Bank
Consumer complaint received 2022-02-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2020-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I had a {$10000.00} limit on Capital One credit card. I didnt use it for over 2 years. With XXXX going on and people out of work I am looking to use it but they dropped my limit to {$500.00} without notice plus affected my credit. {$10000.00} gap. I would have to reapply to try to get {$10000.00} limit, not sure why?
Consumer complaint received 2022-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Continental Finance Company, LLC (AZ)

On XX/XX/XXXX I received an email notification from XXXX XXXX regarding a credit card that is past due. I reviewed the information on my credit report. A credit card was opened on XX/XX/XXXX with a limit of {$300.00}. This account is past due for an amount of {$430.00}. This is identity theft. I did not apply for this card. The card is a XXXX XXXX. The creditor is Continental FIN CO XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX Customer service XXXX Fraud line I spoke to someone in the fraud dept. I let them know I did not apply for this card and that this is identity theft. Information was documented. 

Today, XX/XX/XXXX at XXXX. I received a call from a collection agency representing this company trying to collect debt. I notified the rep that this is fraud. The rep was able to see in the system that yesterday XX/XX/XXXX someone called impersonating me and filling for a lost card. I asked them to please report this as identity theft. More information was taken and I was advised to file this complaint. The representative was able to confirm that an address in XXXX XXXX, Flordia is where the bill is being sent. I have never lived in XXXX XXXX, Flordia.