davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY ()

I am a victim of a crime from the man from XXXX name XXXX XXXX. He contacted me on XXXX to sell me a bag and accessories and I sent him XXXX $ wire. In return he sent me a box of garbage and when I confronted him he blocked me. I trusted him because of his XXXX XXXX he use account name XXXX XXXX. I got his name and address below ; XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX His bank account name : Wells Fargo Account Number : XXXX First payment XXXX $ date transfer XXXX XX/XX/2022 Second payment XXXX $ date transfer XXXX XX/XX/2022 Third payment XXXX $ date transfer XXXX XX/XX/2022 Total Value XXXX XXXX I did not received the goods I paid for. Please help me this is such a big lost for me. Thank you so much.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (AZ)

Company closed previous complaint stating they were unable to locate my account. Which is simply untrue, as they report to the credit bureaus and received my certified letter which contained enough information to locate and access my account. I am uploading documentation to support my contention. Letter from XXXX, my certified letter to them, a copy of my XXXX credit report.
Consumer complaint received 2019-07-11
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)

Re : Request to describe method of verification To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$4000.00}, {$7600.00}, {$9000.00}. 
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 finance 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 to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to  request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and 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 under FRCA, Section 616, and pursue legal action. 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7600.00} -This is not my account. 






-COLLECTIONS- 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I've received emails and letters saying I'm using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2017-09-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (MA)

I desperately wish to stay in my home. I do not have anywhere to move to with my kids. I now have the money to make regular mortgage payments. 
I was in personal bankruptcy. The mortgage company, Caliber Home Loans, agreed to provide me with a loan modification on my home mortgage ( Loan number _________, Property : XXXX XXXX, MA XXXX_ ) so I voluntarily dismissed my personal bankruptcy case in early XXXX. I filed a loan modification application with Caliber on XXXX XXXX. Caliber agent XXXX ( ID No. XXXX ) advised me on XXXX XXXX that I only had two remaining documents to submit in order to complete my home loan modification. I submitted one document the lease agreement for my basement apartment -- on XXXX XXXX. The other document required verification of my wages -- could not be signed by a company officer from my company until XXXX XXXX because they were all on vacation. I have an email date stamp showing I submitted this final document on XXXX XXXX as I both faxed and emailed this document. Caliber Agent XXXX and Supervisor XXXX ( Agent ID XXXX ) just informed me it closed my loan modification application subsequent to XXXX XXXX. Caliber has a sale date of XX/XX/2017 to sell my home. Please help!!
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Account : XXXX Disclaimer : I am a real person not a credit repair agency. My previous dispute was not corrected and by FCRA Law you are required to address my concerns. This is " NOT '' a goodwill request. 

I, XXXX XXXX XXXX, previously tried to have one of your Sr. Representatives, XXXX look into my claims and was accused of requesting a goodwill request. 

The 90-day late payment being reported on my credit file is inaccurate. Your agency is reporting this late payment 12 times on all 3 credit report agencies as closed. Also, a new Loan for {$85000.00}. Which is showing as 13 student loans.

I requested a copy of my student loan statements. In the statements it is showing that I requested a forbearance ahead of time in XX/XX/2019 and the request was approved. 
I am fully aware that I owe student loan and signed a promissory note. My grievance is that you are reporting inaccurate information on my credit report. 

Attached is the loan statement history, how my credit file is being reported, and proof of my identity. 

I just want this error to be corrected. I am sending this request via the CFPB and the attorney general office. Because trying to contact customer service is not ideal, where you dont get any help.
Consumer complaint received 2022-03-16
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 (IL)

On XX/XX/22 I accidentally sent a payment of {$2400.00} from my XXXX checking account electronically, using the bill pay, to my Capital one credit card account At the time my Capital one balance was {$190.00}. I have called Capital One numerous times, and also written, the last call was XX/XX/22 The account XXXX stated the money was returned to me via ACH to my checking account. It has never been credited. I had a three way conversation between XXXX, Capital One and myself. T he XXXX rep told the Capital One rep a credit has never been deposited to my account He checked from XXXX through present and no credit was posted. The Capital One rep stated their records show a credit was sent on XX/XX/22 and I need to follow through with the bank. XXXX said no credit was ever received and I need to follow through with Capital One. Capital One has closed my claim and will not investigate any further. The bank said they can do nothing further information I am currently out the full {$2500.00}
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

ACCOUNTS THAT ARE NOT MINE ARE STILL REPORTING TO MY CREDIT PROFILE. THESE ACCOUNTS HAVE NOT BEEN VERIFIED. THESE ACCOUNTS WERE REMOVED AND HAVE BEEN REINSERTED ON MY CREDIT REPORT WHICH IS IN VIOLATION OF 15 USC 1681, I WAS NOT NOTIFIED WITHIN XXXX BUSINESS DAYS OF ANY ACCOUNTS BEING PLACED BACK ON MY CREDIT REPORT. 

FURTHERMORE STILL REPORTING ACCOUNTS RESULTING IN IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 THIS IS AN ONGOING ISSUE THATS SEVERLY IMPACTING MY ABILITY TO OBTAIN CREDIT
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

I am writing to bring to your attention an error in the reporting of a joint loan account that is affecting my credit report. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to have accurate, complete, and up-to-date information on their credit reports ( 15 U.S.C. 1681 ). In light of this, I kindly request your assistance in rectifying this matter. 

I took out a loan jointly with XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX, but it has come to my notice that this loan is reported only under my name in the credit bureaus records. This is not in line with our agreement with the lender, which clearly stipulates that this is a joint account. 

I kindly request that the CFPB facilitate the correction of this error by ensuring that : 1. The account.XXXX XXXX account number : XXXX date opened XX/XX/XXXXXXXX  is accurately reported as a joint account in adherence to the FCRA 's provisions concerning accurate reporting. 
2. XXXX XXXX SSN : XXXX DOB : XX/XX/XXXXXXXX  is added as a joint account holder and this information is reported to all the major credit bureaus, honoring our initial agreement with the lender. 

Thank you for your attention to this matter. I look forward to your assistance in ensuring the accurate representation of this account in line with the FCRA provisions.
Consumer complaint received 2022-03-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (LA)

The account with ERC was opened in XX/XX/21. The representative over the phone stated that I would have to pay {$300.00} XXXX. I have already paid them {$600.00}. I stopped paying them once I realized they increased the balance from what was actually owed. I have disputed this with XXXX and XXXX. The company is still denying my claims and hurting my credit more than it should.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: John C. Heath, Attorney at Law, PLLC (GA)

Almost 7 years ago I voluntarily gave back my car to XXXX XXXX XXXX Since then they sold the vehicle and never disclosed info with me. So instead of taking off sale of car off loan they have been charging me late fees. I am working with XXXX XXXX  and for the last three months they have been reporting missed payments to a closed case. I have tried reaching out however I never get the same person and the 2 times I gave them my debit card number to try and make small payments they were trying to take more than allowed. Any help is appreciated as it will be 7 years in XXXX.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. Auto Credit Corporation (GA)

Almost 7 years ago I voluntarily gave back my car to us auto credit. Since then they sold the vehicle and never disclosed info with me. So instead of taking off sale of car off loan they have been charging me late fees. I am working with XXXX XXXX  and for the last three months they have been reporting missed payments to a closed case. I have tried reaching out however I never get the same person and the 2 times I gave them my debit card number to try and make small payments they were trying to take more than allowed. Any help is appreciated as it will be 7 years in XXXX.
Consumer complaint received 2019-07-10
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. (FL)

XXXX XXXX XXXX In XX/XX/2017 I notified customer service that I'd been directly impacted by Hurricane Irma and both my county of residence ( XXXX ) and employment ( XXXX ) had been federally declared National Disaster Zones. XXXX XXXX XXXX offered an assistance program to place my account in forbearance between XX/XX/2017 - XX/XX/2017 during which time payments would not need to be made, interest wouldn't accrue, late payments wouldn't be assessed and negative credit reporting would not occur. 

When billing reoccurred I disputed amount owed because it contained late fees and accused interest for forbearance period. I have disputed this reporting with XXXX XXXX, XXXX, XXXX, and Equinox to no avail. This time period should not report as late, past due, or negatively impact me.
Consumer complaint received 2017-09-08
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. (CA)

There was a data breach at Equifax credit reporting bureau and they have notified me that my personal information was compromised. 
They learned of the data breach in XXXX XXXX, however they took over a month to notify the public. 

I do not feel Equifax has taken the necessary steps to prevent this data breach or to remedy the harmful effects to consumers.
Consumer complaint received 2019-07-11
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. (PA)

XXXX XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. The past 2 months i have disputed this and it was verified as " accurate '' by XXXX XXXX XXXX. It is reporting to Transunion, XXXX and XXXX  but a lot of contradicting information there is no way that they that they can verify this debt as it is reporting completely inaccurate they are in violation of my rights. 

below are the innacuracies Monthly payment Transunion {$260.00} XXXX {$260.00} XXXX  {$0.00} Date opened Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX month ( terms ) Transunion XXXX XXXX XXXX XXXX  XXXX high credit Transunion {$15000.00} XXXX  {$0.00} XXXX  {$15000.00} Last reported date Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX date of last active Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Date of Last Payment : Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX the reporting on the bottom on the 2 year payment history is all different as well..please see attached document for proof of all of the inaccuracies stated above
Consumer complaint received 2022-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-03-16
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. (DE)

On approximately XX/XX/22 I applied for a XXXX XXXX credit card via an email solicitation ( having previously had a savings account with them ). On XX/XX/22 I received an emailed letter from XXXX XXXX stating they could not open the account due to being able " to validate my identity ''. I have attached that letter to this complaint. XXXX XXXX was able to make a hard credit inquiry on my Experian report on XX/XX/22 lowering my credit score. It is absurd to state that they can not open an account due to being " unable to validate my identity '' yet still create a hard inquiry on my Experian report. 

I have previously communicated with XXXX XXXX as well as disputed this hard inquiry with Experian with no success.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.
Consumer complaint received 2019-07-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (MD)

I am in receipt of harassment calls all day, XXXX days a week. The calls all come from " 800 SRVCS ''. The calls begin at XXXX am and continue to XXXX pm. The calls are constant and they are the same company I complained about in my prior complaint to you : Complaint ID : XXXX from XX/XX/XXXX. They stopped calling for a few months and then they start up again XXXX months later. The calls began in XX/XX/XXXX ; then stopped in XX/XX/XXXX after your intervention. Once again the same tactics have began. These were some of the same numbers used by Comenity Bank. The caller asks for XXXX XXXX and XXXX XXXX XXXX. They know that these people do not live at this address neither have they ever lived at this address. I don't know these people and have only heard of them from the callers. I believe these callers are trying to get my personal information. I am on the " Do Not Call List ''. They could also be evading the rules of the " List ''. I am absolutely tired of these calls, constant calls. They have promised to stop their harassment ; yet they continue. I don't believe any of this is a coincident. They call from the following numbers : ( XXXX ) ; ( XXXX ) ; ( XXXX ). 

I deserve peace without harassment. Please stop them! I constantly block their phone numbers and then they call from new numbers, listed above. 

Thank you
Consumer complaint received 2022-03-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Westlake Services, LLC (OH)

Purchased used car at XXXX XXXX XXXX. No buyers guide attached to vehicle stating " as -is ''. No warranty. After 5 days vehicle became inoperative. Contacted dealership. They ignored me. Would not fix, trade.nor refund down payment. Voluntarily returned vehicle to dealership via tow. Contacted finance Co. Told them what happened. ( XXXX purchased XXXX XXXX XXXX vehicle returned to dealership XXXX XX/XX/2022 ). ( Contacted finance Co XXXX XX/XX/2022 ) .. Was told to submit diagnostic scan. Did so. Scan submitted 6 times to 3 depts. Was told 4 wks later that since vehicle was returned, contract would be " unwind ''. 2 days after, finance Co. says case is STILL open/active and is in review.. Being charged for missed payment. Told to call back end of week, dealership " should '' have paid loan. Still waiting. Getting the run around. Credit being damaged. Dealership claims no knowledge of payment letter from finance CoXXXX and refuses to return down payment. Having EXTREME problems with WESTLAKE FINANCE and XXXX XXXX XXXX. I NEED this solved NOW. Don't see why I should pay for a vehicle that requires extensive repairs. Had I known the extent of the condition of the vehicle beforehand, I NEVER would have bought it. Westlake dragging their feet and keep referring me to different departments.
Consumer complaint received 2019-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I scheduled a payment for {$200.00}, more than my monthly payment, to lower my balance. Unfortunately, the day in which it needed to be withdrawn from my account, another bill was processed and the {$200.00} payment to CapitalOne was not processed. CapitalOne interpreted this as fraud and terminated my account completely. I attempted to reach out to CapitalOne to resolve this matter, however they declined to reinstate my credit card.