davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (ID)

On XXXX at XXXXXXXX XXXX I received a phone call from Wells Fargo the number was showing as XXXX and the caller ID read Wells Fargo, I already had a missed call from them and XXXX additional that did not connect starting at XXXXXXXX XXXX. I was in a bad service area at the time. I was under the impression at the time it was an urgent matter. Upon answering the man said he was with the Wells Fargo Fraud Dept. He then started asking me about XXXX transactions and if they were authorized in the amount of {$3500.00}. I said no so he said my account had been compromised and we needed to secure my account against any further transactions. I was driving home at the time from XXXX XXXX to XXXXXXXX XXXX I had taken my husband to pick up his semi-truck. There was a bad snowstorm going on, so I pulled over on the side of the road and sat on the phone for XXXX minutes with a Wells Fargo employee, so I thought while we verified some info and secured my account. We even joined XXXX XXXX my husband and account holder onto the call. After everything was said and done, I had to get back to XXXX to get my children from school. I was worried and told the XXXX caller I really needed to get on the road. He said no problem and said I would receive a link with new login credentials and a temporary password. After driving home and picking my son up at XXXX pm I had not yet received anything, so I attempted to log on and it was when I discovered my account had zero dollars. I immediately drove to Wells Fargo and reported the incident with the Branch manager XXXX XXXX. Come to find out a XXXX for {$1000.00} and a wire transfer for {$8800.00} was transferred to a XXXX account. While on the phone with a WF rep they informed us they had a transcript of a person calling in saying they were my husband verifying information stating they needed the transfer for a down payment to a home. We have not attempted to buy a home anytime recently. We contacted XXXX and they looked up the information and found the money had been wired to an account based out of Florida that had multiple transactions going through fraudulently from XXXX, XXXX, XXXX XXXX, and other wire transfers. The money was withdrawn immediately. This was noted by XXXX bank manager in XXXX Idaho off of XXXX and XXXX XXXX. We then drove to the police station and reported the fraud. Since that time, I have received no calls for info only letters claiming I made the transaction and that my claim was denied. It was " escalated '' to the next level up and denied again. It was at this time I decided to reach out for assistance in resolving this matter.
Consumer complaint received 2022-01-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MI)

Lvnv Funding LLC at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has been sending me collection notices in the amount of {$910.00} and a second account in the amount of {$1100.00}. the collections has been reported as past due balance, i do not know this company.i have never done any bussiness with this company, this company does not have a contract with my signature on it ... ......
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I had a credit card with Citizens Bank opened on XX/XX/XXXX. During the first two years of this account, I had no issues. In XXXX I experienced health issues and was unable to work or pay my credit card bill. I made Citizens bank aware of this and was informed that there was nothing that could be done at the time. Ultimately the account was closed and charged off. When I was finally able to return to work and repay my credit obligations I contacted Citizens bank who informed me of the balance due. I made restitution in full based on the balance I was given ; only to find out later that there was still money owed but they wanted a quick resolution to this issue. When I recontacted Citizens after reviewing my credit reports I noticed two things about how it was reporting. XXXX, the balance was paid in full for less than the total amount. I never agreed to this. XXXX the account is still reported as derogatory. I did inform Citizens that I wanted to pay the debt in full and have it cleared that I paid my entire amount owed back. I also wanted them to report the account as paid in full and closed once the remaining balance was satisfied. To date, Citizens refuses to allow me to pay the remainder of the balance and is still reporting the account in a negative manner. I would like this corrected. The first time in history I have ever seen a bank not want to be repaid for a debt owed them.
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (TX)

I found a hard inquiry requested on XX/XX/2021 By CBNA. This hard inquiry wasn't requested by me. I contacted the company to cancel the request and it was confirmed as a fraud. 

I want to inform that hard inquiry shows as " CBNA ''. I contacted them and they didn't find any accounts in my name. The only company that was able to find the hard inquiry in my name it's " XXXX XXXX '. Which it is different than CBNA and that is the only hard inquiry that shows on my credit report. I attached a letter from XXXXXXXX XXXX. File number XXXX ( XXXX )
Consumer complaint received 2022-01-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (GA)

Ally Financial is overcharging for late fees for monthly automobile payment. Late fees are supposed to be 5 % of monthly payment and they are charging {$71.00} which is almost double. This is in addition to other things they are charging on my account and then can't explain or justify. 

I don't know what they did during the Covid when people requested deferments. This is flat out ripping /scamming customers off and taking advantage of them especially during the time there was a national crisis.
Consumer complaint received 2022-01-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My name is XXXX XXXX and I certify under the penalty of perjury that all forthcoming facts are the truth. Predatory Lender Capital One Auto Finance has been violating federal consumer protection laws and imposing on my rights as a consumer by generating fraudulent retail installment sale contracts and consumer credit contracts on multiple occasions. On XX/XX/XXXX I was misled to sign a fraudulent consumer credit contract under account # XXXX at XXXX XXXX located in XXXX XXXX NJ for a XXXX XXXX XXXX ( XXXX ) ; VIN # XXXX by XXXX sales XXXX as well as Capital One Auto Finance XXXX Again On XX/XX/XXXX I was misled to sign another fraudulent consumer credit contract under account # XXXX at XXXX XXXX XXXX XXXX in XXXX NJ for a XXXX XXXX XXXX ( XXXX ) ; VIN # : XXXX by XXXX XXXX reps as well as Capital One Auto Finance XXXX Both consumer credit contracts are misleading and deceptive because both documents include language that refers to the documents as both " Retail Installment Sale Contracts '' and " Consumer Credit Contracts ''. These documents should only have one title, its contradicting that the document is using language that refers to the documents as being two different types of contracts in one. This is a violation of 15USC1692J : Furnishing certain deceptive forms and 15USC1692E : False or misleading representations. These contracts are also fraudulent because they advertise the requirement of cash down payment which violates 15USC1605 : Determination of finance charge which states that " the finance charge does not include charges of a type payable in a comparable cash transaction ''. Also Capital one auto finance, XXXX XXXX, or XXXX of XXXX did not ensure that I was aware of my Right to RESCIND this consumer credit transaction which violates 15USC163XXXX : Right of rescission as to certain transactions. This predatory company did not provide me any truth in lending disclosure or any appropriate or legal rescissions forms or documentation that ensured that I was made aware of my right to rescind any of these consumer credit transactions/contracts. I am now exercising my right to rescind these consumer credit transactions referenced above and requesting that upon receipt of this notice of rescission the creditor who is capital one auto finance shall return to me within 20 days any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transactions. This includes reporting this account as paid as agreed to all credit reporting agencies. Capital One Auto Finance has 20 days from the receipt of this notice of rescission to abide by federal law and stop violating my consumer rights any further.
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NE)

Hello, I am XXXX XXXX and I have repeatedly tried to get my free annual credit report from Experian. Here is an example of one of those times. Even though I have already verified myself within the XXXX system where Experian state you can receive your free credit report, I have not been able to obtain my free credit report from Experian.
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AMERICAN HONDA FINANCE CORP (PA)

XXXX, 2021. Honda Sales Consultant at XXXX, OH : XXXX XXXX input wrong SSN # of client in 'Honda 's " bank system. 
My credit score was dramatically down of his error.

But contract was signed with correct SSN # at the same date.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, 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. (UT)

I have a vehicle loan with XXXX XXXX XXXX that was taken in XXXX. It has been XXXX months and the loan does not appear in my credit reports. I called them and they say they have reported and it's not a problem on their end.
Consumer complaint received 2024-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc. (IA)

I have been contacting this company for quite a while with the last two communications being via mail XX/XX/XXXX and XX/XX/XXXX. I have asked them numerous times to send me proof of debt because Ive been disputing the items on my credit report, and XXXX from their credit department said they dont have to do that because they are not a debt collection company. Why would anybody pay a debt just because someone else told them to? Is it my right to get proof of debt that I have known knowledge of? Ive tried everything to get their attention, and they wont help me with this! They have also re-aged my account on my credit report, so my accounts all tanked!
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

My Chase checking account was closed in XX/XX/2022. It was closed due to a negative balance. I received a check from a case settlement in that account XX/XX/XXXX. Now I recall when a checking account is closed that any money delivered to the account should be sent back. This was not a payment for my balance due in which they knew that. I was not notified that the deposit was even put in my account and now they refuse to return the money! They have applied the money to the balance and refuse to return it.
Consumer complaint received 2022-01-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

My mortgage started out with XXXX XXXX XXXX on XXXX of XXXX. It was transferred to XXXX XXXX XXXX in XXXX. It has since been transferred to Carrington Mortgage Services in XXXX of XXXX. As of XXXX Carrington Mortgage has told us they received a tax bill for over {$3000.00} with a new loan number. On XX/XX/XXXX we received a letter from Carrington ( advance notice of late charge ) the letter is dated XX/XX/XXXX air USPS mail. This is the 1st letter we received with a new loan number from Carrington Mortgage ( see attached ). We have records and we have received from our property appraiser XXXX homestead receipt where it specifies I have homestead exemption as well as total XXXX. We went to the property appraiser 's office ourselves and verified that we don't owe any taxes. When we contacted the military liaison ( supposedly ) office They said that they received a tax bill for over {$3000.00}. On XX/XX/XXXX we sent in our XXXX payment of {$680.00} which includes principle and escrow which is what our payment has been since XXXX of XXXX. And we already have a payment scheduled for XX/XX/XXXX for XX/XX/XXXX 's payment. This amount of XXXX has already been taken out of my bank account yet Carrington tells us that they are not applying it to our mortgage. ( Please refer to Carrington Mortgage reviews ( lies and fraud ) ). I am a 100 % XXXX veteran so where I live I pay no property Ad valorem taxes, only non-ad valorem which is in the amount of {$330.00}. refer to all attachments.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXX XXXX contacted XXXX XXXX XXXX asked to remove unauthorized inquiry off my credit report and was told to write a letter I informed them it may be in result of fraud
Consumer complaint received 2022-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am requesting the audit trails ( accounting, file, ledger and transactional history ) for the consumer credit transactions that occurred on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022 notarized by accountant.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: College Ave Student Loan Servicing, LLC (AZ)

Action taken by company was a report of fraud. This was done by me in store at XXXX and the claim was resolved. This was a soft inquiry with a phone taken out in my name. My last name was spelled wrong on the account XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Report no action has been taken yet, I did not authorize this card, this was just a soft inquiry XXXX XXXX XXXX XXXX XXXX this is another soft inquiry I did not authorize XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX This is a hard inquiry on XXXX that I did not authorize XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a hard inquiry on XXXX that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are soft inquiries I did not authorize. I called XXXX and they confirmed someone tried to access this in my name. They put this email address : XXXX and this phone number : XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year> XXXX Inquired on XX/XX/year> XXXX  Inquired on XX/XX/year> COLLEGE AVENUE STUDENT L Inquired on XX/XX/year>
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have contacted Experian, XXXX, and XXXX regarding the exaggerated drop in my credit score as fraudulent. They continually drop my credit score drastically even if I pay off my balances, and due to the fact that " ONE '' credit card balance is over the limit they disregard other factors of my credit worthiness such as exceptional payment history. Balances are always incorrect by 2-3 months greatly affecting my credit worthiness over and over again.

They are currently using a formula that fraudulently basis a consumers credit worthiness because of " one '' account over-the-limit, or over 50 % and disregarding monthly paid balances.
Consumer complaint received 2022-01-23
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. (OH)

Hello : I have worked diligently with All 3 major credit bureaus to resolve items for which I can not confirm belong to me. I'm beginning to believe that someone is obtaining debt in my name. I've asked for contracts of all three collection accounts but to no avail. 

Please aid me in conveying that this will be the final time for which I'll be requesting this information prior to contacting law enforcement with counsel to investigate these illegal marks on my credit files. 

Let us not be remiss that The Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020 or in short better known as the Comprehensive CREDIT Act of 2020 within section 401 explains details regarding any adverse credit details contained within my personal credit file that Id appreciate if XXXX, Experian and XXXX would adhere to as is required by law. 

To not adhere to this law is accepting all consequences included and not limited to litigation, that will come fourth should they continue not comply with Federal Law. 

( 12 ) TITLE IVCREDIT RESTORATION FOR VICTIMS OF PREDATORY ACTIVITIES AND UNFAIR CONSUMER REPORTING PRACTICES Sec. 401. Adverse credit information Any other adverse items of information relating to the collection of debt that did not arise from a contract or an agreement to pay by a consumer is to be REMOVED FROM MY CREDIT FILE. 

Collection Account ( s ) XXXX XXXX XXXX  ( {$3000.00} bill ) -XXXX  and XXXX XXXX XXXX ( {$2000.00} bill ) - Experian and another miscellaneous account XXXX XXXX ( {$320.00} ) - XXXX - LITIGATION I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists. The above account remains on my credit file but needs to be removed at once.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXXMember ID XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXXMember ID XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-23
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. (CA)

I have contacted XXXX, Transunion, and XXXX regarding the exaggerated drop in my credit score as fraudulent. They continually drop my credit score drastically even if I pay off my balances, and due to the fact that " ONE '' credit card balance is over the limit they disregard other factors of my credit worthiness such as exceptional payment history. Balances are always incorrect by 2-3 months greatly affecting my credit worthiness over and over again. 

They are currently using a formula that fraudulently basis a consumers credit worthiness because of " one '' account over-the-limit, or over 50 % and disregarding monthly paid balances.