davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION (NC)

My mother passed away on XX/XX/XXXX. At the time, she held a credit card with Truist Bank with a balance of {$310.00}. As soon as the death certificate was available and the estate was registered with the local clerk of court, I notified Truist of her passing and provided them with the documentation. I told the branch representative that I wanted to pay off my mother 's credit card balance as of the date of her death. Note that my mother paid her card off monthly, and there was never any interest owed on her account. Even though I provided the requested documentation and have spoken many times with the appropriate departments, they continue to charge late fees and interest fees. They refuse to reverse any of these charges except XXXX month 's worth. As the executor of the estate, I am required to close the estate account by XX/XX/XXXX, but I can not because of this open item. 
Truist 's handling of this matter is not only wrong, it is extremely distressing. They continue to send my mother ( as though they are not aware of her passing ) letters demanding payment in full. I consider this to be inexcusably horrible customer service and would like a resolution immediately.
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have paid this collection I will attach the paid letter received and receipt with this complaint. I dont understand why it was taken off and added back to my report I did indeed pay this to resolve it not deal with this
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

i have submitted multiple disputes to the 3 credit bureaus as well as XXXX XXXX and they just come back verified ... how did they all conduct proper investigations when all of most of the information is inconsistent across all 3 bureaus reporting? they didnt conduct a proper investigation ... i am attaching a snip of my 3 bureau report as well as a few of the letters i sent ... .they are in violation and i need this deleted now ... they are reporting different balances, different highh credit, different credit limits, different past dues, it has been re-agaged, and take a look at that inconsistent 2 year history ....
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

i have submitted multiple disputes to the 3 credit bureaus as well as XXXX XXXX and they just come back verified ... how did they all conduct proper investigations when all of most of the information is inconsistent across all 3 bureaus reporting? they didnt conduct a proper investigation ... i am attaching a snip of my 3 bureau report as well as a few of the letters i sent ... .they are in violation and i need this deleted now ... they are reporting different balances, different highh credit, different credit limits, different past dues, it has been re-agaged, and take a look at that inconsistent 2 year history ....
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (FL)

I have tried to access my TD banking account for the past three months and I havent been able to. I have tried to contact executive management and I have tried to contact every single branch around me to see if they can help me out but every single time they just say we can not do anything about it sorry like weve tried to reset passwords logins different computers phones everything and they still cant figure it out but because of that I can not access my funds I can not transfer anything I can not do anything with it and I even tried closing it and talking to management theres nothing else they can do about it.
Consumer complaint received 2020-12-22
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (GA)

Santander consumer usa acct # XXXX Auto Loan XX/XX/2013 Amount : XXXX Original Balance XXXX Terms : XXXX months Responsibility : Joint account XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (NJ)

I am writing to address a matter of significant concern regarding the status of an underlying obligation associated with an account held with your corporation. It has come to my attention that the original instrument of the said underlying obligation has not been provided, rendering it impossible for the obligation to be made payable. Therefore, I am demanding immediate action on your part. As per the terms and conditions governing such matters, it is imperative that the original instrument be provided for an obligation to be considered valid and enforceable. Given the absence of the original instrument in this instance, it follows that any and all obligations pertaining to any and all payments are null and void. Consequently, I hereby request that you promptly take the following actions : Remove any and all obligations of payment associated with the account pertaining to my person. Immediately delete the tradeline associated with the aforementioned account from being reported to any and all consumer reporting agencies. Failure to comply with this demand within a reasonable timeframe will leave me with no choice but to pursue legal avenues to enforce my rights. Moreover, please be advised that Barclays Bank Delaware will be held liable for damages resulting from any further reporting or attempts to collect on this invalidated obligation. I trust that you will give this matter the urgent attention it requires and take the necessary steps to rectify the situation promptly. Should you require any additional information or clarification, please do not hesitate to contact me at the above-mentioned contact details. Thank you for your prompt attention to this matter.
Consumer complaint received 2020-12-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

To whom it may concern ; My legal name is XXXX XXXX XXXX. 
My maiden name is XXXX XXXX XXXX. 

I need help before it's to late and I loose my home. During my bankruptcy, apparently, my loan was sold to a Carrington Mortgage XXXX. I concluded the bankruptcy back in XXXX of this year and was given the address within Carrington Mortgage to where I was to begin to send my mortgage Pymt. My pymts went from 9 something now to about 1400. dollars. I asked why and they claimed my taxes and insurance went up. Didn't matter, I paid it. 

I follow the instructions given up unto I was told now to send the pymt 's to the address on the Pymt vocher : still to Carrington Mortgage. 

I recently just received my mortgage statement and it is stating that I owe over 5000.00 plus dollars of no pymts plus late fees and penalties. 

This is the ironic part to this nightmare, I use cashier checks to make my pymts ; and XXXX XXXX has sent a copy of 1 of the cashier checks that was missing for the month of XX/XX/2020. This cashier check was deposited into someone else 's mortgage acct. The Carrington Mortgage clerk, who deposited the check in the wrong account, put the mortgage number on the cashier check to where it was deposited. 

Once I showed and verified this with one of Carrington Mortgage Debt Collection Clerks and admitted that to a fault of my own, I was not notorious for putting the loan number on my cashier checks. She stated that it should not have mattered because they use other identifying factors as well. As she began to fix the problem I thought, I instantly believed in her abilities because she gave me her supervisors email, XXXX : and had me forward what the bank sent to me, which was the missing cashier check in question for XXXX XXXX where is this 5000. plus dollars coming from : because of this, I have not sent in XX/XX/2020 XXXX. 

Well, she assured me that the matter would be cleared up in about a week. 

This turned out not to be accurate. He never emailed me back at no time to let me know anything. Now, when I pull him up in my email an attorney 's name or legal company come up, XXXX. 

I simply want my peace in regards to my mortgage and home back from Carrington Mortgage XXXX 

What am I to do? 

My point of contact is : XXXX : XXXX. 
My email is : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC (AL)

XXXXXXXX XXXX  promise to fix the car I purchase they sold the loan to westlake portfolio and now the engine is not working. It was told to me by 2 different companies I need a new moter. The car is a XXXX XXXX XXXX the loan states I owe XXXX but the car is only valued at under XXXX also I was neve informed that my loan would be sold to westlake.i feel like I was rip off and over charged and the car had problems now I still owe and ca n't drive it
Consumer complaint received 2022-05-13
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. (VA)

Previous complaint filed and was closed by CFPB. Received a letter on XXXX XX/XX/2022 from Equifax Information Services informing ME to supply THEM with a paystub, W-2, valid Social Security card , drivers license, rental or lease agreement, paystub, or utility bill to verify my identification and current address in support of the inaccurate information on my Equifax credit file.This request specifies that I must send them a copy of two different items one from each of the two categories listed below. One to verify my address and one for my identification. When I called Equifax information services as indicated by the letter, I was talked over continuously by their representative and placed on hold for 20+ minutes AFTER consistently requesting a supervisor only to learn that I had no file for them to change the information on. Therefore they are investigation into my concerns from the previous complaint was an outright lie! The representative also informed me that the information I would supply to them would create the file. When I asked where did they get their information from, I was informed from lenders. When I asked then why is some of the information wrong and he could not answer. I also asked why did they not use the information uploaded from the other credit bureaus into the previous complaint on the CFPB website. And he said they were not allowed to.
Consumer complaint received 2018-02-24
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Automatic Data Processing, Inc. (IA)

I reported my card lost or stolen and had a replacement ordered in early XXXX and was told to allow 2 weeks for the replacement to arrive. When no card arrived, I called to follow-up only to be told that they had forgotten to order it. I spoke to supervisor XXXX with employee id XXXX and was advised that he was special expediting a replacement and we would have it in hand in 1 to 2 days. 
After allowing for 1 day for them to process, and the 2 days for it to get to me, I then followed up to be told I should receive it by Monday ( 3  days later than promised. ) I again asked to speak with a supervisor and was then hung up on. I called back and asked to speak to a supervisor again and finally was given XXXX, id XXXX. Eventually she provided a tracking number and stated it was shipped XXXX priority overnight and we should have it in a few days. When asked to speak to her supervisor she refused. 
Upon checking the tracking number it showed it was ready for pickup by XXXX and that it had been scheduled that day. It had not even been picked up. 
Company provided pay card because that is how they pay now and XXXX kept me from my money for 3 weeks and has still not delivered my card.
Consumer complaint received 2024-03-12
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (FL)

I returned my lease vehicle Lincoln XXXX Tuesday ( XX/XX/XXXX ) at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, the gentleman did a walk through checked the mileage and told me i can leave i asked him for a document he said i don't need one, he said ( everything okay ). Again i asked him he replied again that they do not provide one. 
Today XX/XX/XXXX a week later i noticed that Lincoln reported to the credit bureau that i owe them {$1200.00}. I never received an invoice or a phone call even when i log to my on line account it shows balance {$0.00}. They reported me to the credit bureau with out contacting me or providing me an invoice, That is illegal i don't understand how that is possible! 

Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Your last payment of {$24000.00} was received on XX/XX/XXXX. 
{$0.00} CHANGE DUE DATE PAYMENT PROGRESS You have XXXX payments left Payment progress : 100 %
Consumer complaint received 2020-12-20
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. (TX)

XXXX XXXX  is reporting to my credit report. It says it link to my address at XXXX XXXX  XXXX XXXX XXXX, TX XXXX. Thats false, they sent me some bank statements that dont belong to me. I will attach those statements below. Which means this account should be deleted. The address on the statements is XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. This address is not connected to me at all. So this is a violation address discrepancy and I demand this item to be deleted immediately. I also would like all documents you received from them that verify this account is accurate from your last investigation.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am promised accuracy in my credit `report based on federal law I am making this call as another attempt to have these errors corrected on my consumer report under 15 USC 1681, 15 USC 1681d all unverified information must be promptly removed as you can see in your system that you can not verify this information and validate it so I request that you remove it now. I just received notice that there have been recent attempts for credit on my credit report I need those inquiries to be removed. All bureaus are refusing to remove the inaccurate reporting, Pursuant to 15 USC 1681n ( Civil Liability for willful noncompliance ).
Consumer complaint received 2024-03-12
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)

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2018-02-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ad Astra Recovery Services Inc (TN)

I receive calls before XXXX and after XXXX, and I also receive calls all day everyday, including weekends at late hours. As astra leaves voice mails that are completely blank or only have of the voice mail will be there and it is the same exact message every single time ( automated. ) I received calls even after beginning to make payments with them. A week after I made a payment they called when I was actually off work and the gentleman I spoke with had no idea I had made a payment when I asked, why are you calling again? I just paid you guys about 5 days ago. After he checked he asked if I could make another payment and I told him that I just made a payment, I couldnt make another, I had not even received my next check. He then told me that if I didnt set up a payment plan right then for {$100.00} a month ( which I could not afford ) that I would continue to receive the phone calls. Im still receiving these calls and Im still confused as to whether or not this debt is even valid. I never received notification that I could dispute the debt, and it is getting really frustrating to be constantly hounded. I want to dispute this debt and I want them to please stop hounding me and send proof to me if the validity of this debt. Ive kept in touch with them at least monthly and even just today tried to call them and have said listen I will even settle with you guys for a lesser amount because I dont feel like if this debt is valid, that that could possibly be the correct amount, just because I want the hounding to stop.
Consumer complaint received 2020-12-20
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: Experian Information Solutions Inc. (MO)

I submitted a letter to the credit bureaus regarding the inaccurate things on my credit report, it has been over 100 days and I still have not received a response back. I feel like Im ignored and taken advantage of. Section 611 ( a ), states that a failure to investigate these items in 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 inaccurate reported late payments updated to payed as agreed or I will file 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 2020-12-20
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. (NJ)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2019-09-19
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Debt collector lacks standing in collection activities and is violating my legal rights in attempting to collect the allege debt. The debt collector is involved with other parties that have used fraudulent methods while attempting to secure the allege debt. There has been a range of federal violations associated with this particular case. 

I am providing evidence in form of an affidavit of facts from an expert witness to the CFPB and other government entities to verify the illegal activity. 

I have attempted to resolve this matter and open to some type of settlement prior to further litigation.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo has been found liable for unauthorize account opening, unauthorized add-on products, sharing/disclosing personal information unauthorized, and charging overdraft fees when they shouldn't have. My previous account had been affected by all of the above. I have learned XXXX XXXX has been appointed a 3rd party service provider to help resolve these issues from Wells Fargo. It has taken several months to receive a reimbursement of fees from XXXX XXXX. All processing time frames have been exceeded. When I finally received reimbursement, I submitted the mediation form and faxed it in. Wells Fargo confirmed receipt of my mediation form and I was told someone will reach out to me within 7 days. That time frame was exceeded, and I was told I would hear something within a week, that timeframe too was exceeded. This is not acceptable & even more frustrating because Wells Fargo has caused financial hardship to me due to overdraft fees, add on product fees, etc. This has resulted in account bank account closures and a tarnish on my banking report. My reference number is XXXX. My previous CFPB complaint case number : XXXX and Wells Fargo case number : XXXX
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (CA)

Since XXXX, my name has been used for different loans and credit cards for different amounts of money. However, I got my XXXX number XX/XX/XXXX. I have only one debt with XXXX financial as of XX/XX/XXXX. When I log in to check my credit, there is XXXX account open in my name, that I did not open.