davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (ID)

On XX/XX/XXXX I got my loan statement from Wells Fargo. There were charges added to my balance. two amounts one for XXXX and another for XXXX. I have no idea what these charges to my line of credit are for. 

I called Wells Fargo. The first guy I talked to said they show the earliest date is XX/XX/XXXX. He would not tell me what the charges are for. He forwarded me to someone else. I requested a copy of the charges itemized sent to me via email. He refused. He told me he could send it to a fax number that is no secure but could not send it to me at my home email address. I told him to remove the changes until they could tell me what they are for. I spoke to a third person. They also refused to tell me what the charges are for except that they are for XXXX taxes. My house is not worth that in taxes. I told them that I am working with the county on disputed taxes. But that my taxes are paid and I wanted to know what they charged my line of credit for. Again they refused the information. The first I have seen these charges or notified of these charges was when I saw them on my statement added into my mortgage. I have no idea what they are for. I told them that if my taxes are disputed surely they would contact me. The second guy told me that they have notified me multiple times ( which they have not done ) I said when they email me what the XXXX the charges are for to include copies of the notifications. Again they have refused.I was delayed in sending this to you because I had to get an electronic copy of my statement to include with this complaint. I still have heard nothing from Wells Fargo.
Consumer complaint received 2019-07-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX XXXX secured credit card is reporting inaccurate information on my credit report. I have submitted a letter from the bank my credit report as well as a letter for this company to correct the error. Since disputing the company has moved the late payment to another month. I am in the process of purchasing a home for my family and I and this has caused major delays with my approval and of course causing me to get higher intrest rate. I have worked hard to maintain a good report and this error is causing significant problems. Please see the attachment.
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

So for XXXX and XXXX I never received a bill come to find out my address was changed on my account and I never changed it. Even after informing them I found out my account had been closed and I have late fees as well as negative credit reporting because Bank of America allowed my address to be changed and it wasnt done by me
Consumer complaint received 2019-01-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (SC)

Navy Federal overdrafted my checking account to pay my credit card bill without my permission. Then closed the account. The amount is {$12.00}. I don't have a problem paying the {$12.00}, but I never authorized that payment and others they took. This is a financial crime that needs to be investigated. It happened in XX/XX/2018. I'm not sure of the month. When I called they tried to get me over to a collection agent and I tried to explain what happened and they continuously tried to collect the {$12.00}.
Consumer complaint received 2021-08-17
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. (FL)

I filed a dispute from a debt with XXXX XXXX XXXX with all 3 credit bureaus. The problem wasn't resolved my issues I have misleading information been reported to all credit bureaus. I spoke with XXXX at extension # XXXX on XX/XX/2021 approximately XXXX who advised me that XXXX XXXX not report anything once a loan is closed or payed off which leaves me to believe the credit bureaus are receiving inaccurate information from a third party which violates my rights. I'm also having the same problem with a chapter XXXX bankruptcy on my credit file. It states US bankruptcy court in XXXX is reporting this information which is incorrect and inaccurate. I spoke with agent at bankruptcy court who advised they do not report to any credit bureaus.So, my information is been sold by a third party which is misleading and inaccurate information. Please! Delete from all 3 credit files. Thanks
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

Equifax said they could not find my credit file due to they need more identification proof in the form of social security id, paystub, utility bill, and W2 to complete investigation. I will attach a copy of the identification proof in this complaint.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2024-05-14
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. (TX)

I'm feeling troubled, unhappy, and XXXX regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2019-01-04
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: Early Warning Services, LLC (CA)

I have sent a letter to XXXX XXXX ( EWS ) disputing 5 accounts as erroneous on XX/XX/2018 and mailed them USPS First Class Mail. I received notice in the mail that you sent the deleted EWS dispute letter ( s ) on XX/XX/2018. It is now XX/XX/2018, it's been over two months since each account was DELETED. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per un-deleted item. 
Enclosed find a copy of the deleted EWS dispute receipt showing when you received my dispute showing all the accounts I have disputed.
Consumer complaint received 2018-09-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc. (VA)

GM Financial is keeping {$860.00} of my money, which the dealer sent to them in error, even though I paid the loan in full and they've sent me the letter saying so. They have approved the payment on XXXX XX/XX/2018 however failed to generate my check. They are using my money since XX/XX/2018.. They keep telling me that the check will be mailed ... Almost 2 months, no check ... I need help!!!!!
Consumer complaint received 2021-08-17
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 — Was not notified of investigation status or results
Company: Convergent Resources, Inc. (TN)

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC. (CA)

I told the XXXX associate at XXXX XXXX to charge my account the XXXX that was available to be used, he over swiped XXXX onto my account. They will not accept or return my XXXX XXXX because that is the only way that they could fix that problem I was told. It has been almost 3 months now and I am tired of this issue not being resolved or disputed. Ive had identity theft going on heavy with my accounts and I want my issues resolved already. I want the people who tried to take out loans in my name, who wrote fraudulent checks, and who have been trying to steal my identity and intimidate me to pay for their crimes in a court of law to the highest extent. I will be pressing charges against eligible partys and affiliates for punitive damages to my mental health and my mental well being.
Consumer complaint received 2020-02-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Recovery Services, LLC (LA)

After reviewing my credit report and finding a balance owed by a past rental company, I reached out to them XX/XX/2019 to find out what the balance was for. I was told that I an additional balance after departing the premises. Before leaving the premises and turning in any property owed items, a walk through was taken by myself and manager of the property. I was told, I would forfeit my deposit and nothing else was owed. Five years later, I receive an alert from my credit report. When I spoke with the property manager and asked why wasnt I informed about the debt supposedly owed. She stated because there was no corresponding address listed, it was put in my old mailbox, Which is on their property. Thats was not correct because my mailing address has never changed which is associated with a family members home. Ive always used my mailing address on any application Ive completed. I also asked why wasnt I informed by email or phone. She stated theyre not required to do that. There was no damage in the unit when it was turned over to property manager.
Consumer complaint received 2019-07-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP (AZ)

American Honda Financial was paid all of the money due on the contract. When the payment was made on their website, it did not specify that there would be any delay releasing the title if I paid via the website. Now, they are refusing to release the lien on the vehicle. They have received all money due under the contract, and I have proof of such. I have asked them to release the lien, and they have still refused to offer assistance. I have attached proof from American Honda 's own website which shows I have paid off the vehicle, and that the vehicle has a {$0.00} balance.
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (OH)

In XX/XX/XXXX, I sent Barclay 's Bank Delaware a copy of my Military XXXX Orders. I noticed there was no chages made to reflect the reduced interest rate IAW Servicemember Civil Relief Act ( SCRA ) legislative law. Around XX/XX/XXXX, I call their customer service numerous times only to recieve bad contact numbers or simply getting the run around. 

On XXXX XX/XX/XXXX, I sumitted a complaint through the Delaware XXXX  # XXXX. Shortly aterwards, I received a call from XXXX stating she'd be handling the matter. 

On XXXX XX/XX/XXXX, it has been 6 weeks since I filed the complaint and I have heard anything
Consumer complaint received 2021-08-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

I am not liable for this debt with XXXX XXXX XXXX  and I do not have a contract with PHNX FINAN plus they did not provide me with the original application like I asked. 
Account XXXX : XXXX Amount Disputed : {$1600.00}
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX //LATE open - Balance {$2200.00} XXXX  XXXX XXXX  XXXX //LATE open - Balance {$160.00}
Consumer complaint received 2019-01-04
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: EQUIFAX, INC. (GA)

There are several accounts reporting on my credit file that do not belong to me. The following accounts are not mine:XXXX XXXX - XXXXXXXX - XXXXXXXX  - XXXX and XXXXXXXX XXXX - XXXX and Equifax XXXX - XXXXThese accounts are a result of fraud.
Consumer complaint received 2018-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

I have multiple missed student loan payments on my credit report from previous years back that I was not aware of. I never received any information about paying my students loans. The history even shows scattered months on on time payments and then months where the account was past due for 30-90+ days. Im not sure when I started being held accountable for these payments. Once it was brought to my attention for the first time I immediately contacted the company for deferment due to me not being able to afford these payments at the time.
Consumer complaint received 2018-02-02
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. (NV)

I had a credit card with XXXX XXXX with my spouse ( joint account ) which he added me to his account. Now the account shows closed with {$180.00}. In XX/XX/XXXX my spouse check his credit report and it showed Applied bank on his report. In XX/XX/XXXX he check his report and applied Bank was off his credit record, but it's still on my credit record. I ask few times to have TU check this out, no outcome, still on report
Consumer complaint received 2018-02-02
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: Experian Information Solutions Inc. (CA)

This acct needs to be VALIDATED not a verification but VALIDATE the acct with a Certified Copy of TRUE BILL not a statement and the Original Documents with my Wet Seal Signature on it send me all proof request or REMOVE acct. Spoke to a XXXX on XX/XX/2018 who refused to honor my request to have this account VALIDATED telling me I had to contact the company first then he said they cant VALIDATED this acct. they have to dispute it 1st when every time you dispute it takes 30 days so this acct has to stay on my credit for over 60 days that's XXXX when that is called an verification and that is not what I told them to do its called VALIDATED THE ACCT. not a verification its a difference then I request to speak with his Supv. which his supv. refused to get on the line and XXXX comes back with this script is stopped him and said I will be reporting this to the ( Cfpb ) snice you and your supv. Refused to do your job this is my credit you can't tell me what to do about my credit and the Accts. That's on them they need to be VALIDATED this is my right by they law that I have a right to ask that any acct. On my credit file be VALIDATED not a verification so I don't wish to have this account to just be disputed I DEMAND THEY ACCT TO BE VALIDATED ONLY not an dispute or an verification my new address is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX California XXXX and i called in and dpoke to a XXXX who was a supv. Who told me and verified that my address was updated and I was just told it wasn't updates I did record the call and I told them it was recorded NOBODY DOES THEY JOB THEY ONLY LIE UPDATE MY ADDRESS PULL UP THE RECORDED CALL I WAS TOLD MY ADDRESS WAS UPDATE IT STARTED FROM ANOTHER SMART MOUTHED SUPV. NAMED XXXX  THESE PEOPLE ARE ALL LIARS PEOPLE LIE NUMBERS DON'T all mail sent to the XXXX XXXX address will be returned. UCC 1-308 WITHOUT PREJUDICE
Consumer complaint received 2019-07-12
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. (FL)

To whom it may concern ; I've been dealing with this issue for some time now, and nothing has been done with these fraudulent activities going on with my credit. I still cant understand how did this happen to me. this is my second time competing these steps. 
can you please remove these accounts off my credit. this is very stressful please help me resolve this matter Thank you.
Consumer complaint received 2018-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America has stated that they had automatic payments from my account. During XX/XX/2018 I made a XXXX dollar payment and Bank of America made a payment of {$100.00} dollars through automatic payments from a closed account that has been closed for more than a year. The XXXX dollar payment at the branch was processed but they gave me a 2 fees. The first one was late because they claim their " automatic payment '' that their system processed was late. And the second fee they slapped my account with was a " returned check fee ''. I called today XX/XX/2018, and the representative claims I have always had recurring payments from my account, which I dont recall since I normally call ahead of time to make sure the account is in good standing. But they processed and invalid payment from an account that has been closed and not used for more than a year. Because Bank of America has processed my payments from my checking account ending in XXXX from XXXX. I am struggling to pay my college debt and can not afford these fees.
Consumer complaint received 2018-02-02
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. (VA)

I have contacted XXXX XXXX two times in the last 30 days and been advised by two associates and a supervisor that they can not verify, discuss or accept payment for a credit item they claim that I owe.Today I called again and spoke to XXXX who would not give his last name.He seemed to have full access to my account with my personal information, the vehicle related to the account and advised he could see where I had previously called last month.He refused to verify the amount they claim that I owe and repeatedly stated that he could not discuss my account. 
A previous call with a supervisor around XX/XX/XXXX I was told that these were new accounts that were not set-up in the system and that she also had no way to review the information or verify totals claimed were correct.This makes no sense as this account is over six years old and due to be removed by law in just a few months.There is nothing new about this account.She stated that even if I were agreeable to making a full payment she could not process.She further advised i should call back in two weeks which I did today XX/XX/XXXX. 
They are intentionally providing false information regarding access to the account. This is demonstrated by the fact that during my initial call and discussion with an account representative she advised that she could accept {$3000.00} to settle the account and advised that if I were to accept payment would have to be made within 10 days. This contradicts everything the supervisor and second representative said regarding their access to the account and ability to resolve the account. 

These details can easily be verified via a transcript of the calls which per the creditor are recorded. 

This creditor is unable to verify, discuss or settle payment on an account they are actively negatively reporting to my credit profile.
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

We did not even file Chapter XXXX- There is another person with my name that did and it was filed under me instead of them. 
Credit cards were stopped, couldn't pay them, Did file for bankruptcy in XX/XX/2014 so now it shows we filed that as well as chapter XXXX when I didn't! 
Was working to fix my credit and working hard on it! 
Now it's showing that and not allowing me to pay and show my credit cards!
Consumer complaint received 2019-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NY)

Auto-pay communication to me on XX/XX/XXXX was incorrect by Chase. Chase states otherwise. 

Chase did not advise of new servicing transfer 15 days before the effective date of transfer of mortgage Chase issued a payment confirmation number for XX/XX/XXXX for balance due prior to XX/XX/XXXX. However, Chase did not take funds for payment from my account