davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I had a voluntary repossession with Credit Acceptance in XXXX or XXXX of 2018 because the vehicle was having issues and was not worth what I was paying for it. Since then there has been ZERO contact. They never notified me of the sell of the vehicle or proceeds that were gathered from that. It wasn't until I logged into the account that the amount of {$6000.00} was deducted from the account. The original cost of the loan was {$16000.00}, so that made the balance around {$12000.00}. However, since this there have been fees being attached to this loan over and over again. The amount over 5 years is up to over $ 19k. 

They have not contacted me to collect the balance and tell me my disputes a " frivolous '' so they will not be investigating. I also believed I was incorrectly charged and deceived by dealer finance charges in the amount of $ 11k. They also never corrected my name on the account as it was spelled wrong.
Consumer complaint received 2021-10-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I went to Toyota, XX/XX/2021. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. I bought an new Toyota car. My credit score was XXXX. But the Financial Services XXXX XXXX XXXX, lied to me, He told me he would give me a good yearly rate and 7yearXXXX mileage vehicle service agreement free but went I sign the documentation my and my husband not good English to read the document so we just trust XXXX XXXX now yearly rate 6.15 % .vehicle service agreement purchase price {$4600.00} i with my friend go there 2 times to talk to XXXX and still no result
Consumer complaint received 2018-12-22
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: WELLS FARGO & COMPANY (WA)

It all started late XX/XX/XXXX when I finally discovered that there were fraudulent credit card purchases made under my name. I was scared because the person that did it was my sister. I then told the Wells Fargo bank that I lost the card but in reality I wanted to get the credit card out of my sister 's possesion. A week after, I finally took the courage to go to my local police station to file a police report against my sister. Next, I went to my local Wells Fargo bank and reported credit card fraud against my sister, who happens to be a manager at Wells Fargo. I found out that this account was opened XX/XX/XXXX. That was a week after my 18th birthday and I was 21 when I found out about this fraudulent account.  The Wells Fargo bank then made their investigations. Months had gone by and I didn't receive an email neither a call regarding my fraud claim. I called the fraud team of Wells Fargo and they gave me the disappointing news that my fraud claim had been denied. They denied it because they said there was money being transferred from a saving account that I had no idea was under my name to this fraudulent credit card account. Once I found out about the savings account I decided to report that as well so the bank could see that I had no idea about that money being transferred neither this credit card. I got them to investigate again, but this time giving them evidence such as police reports, text messages between my sister and I, a letter proving of the places I lived, contact info of other victims, and bank statements. I did this so they could really see that I never opened that account and my sister was guilty. I also wrote them a letter to provide additional information. They called me to get further information. The fraud team of Wells Fargo wanted me to scan my personal information like social security. This made me think that they were getting the idea that it was a fraud. I called them to check the status of this fraud claim and they denied it again. Their next excuse was that there was no new information provided so they considered that I was the person who authorized those charges. That excuse really frustrated me and didn't make sense. I was feeling like they were protecting my sister because she is a team member of theirs. I also felt like they didn't want to own up to the fact that it was fraud because it could make their company look bad and mess up their reputation.

XX/XX/XXXX I sent a letter to the Credit Union explaining my situation of identity theft. They sent me a confirmation letter of certain items removed but they didn't remove the Wells Fargo account that is really affecting my credit. I am still getting notifications about late payments of charges that I am not responsible for. Around {$900.00} is owed for that Wells Fargo credit card.
Consumer complaint received 2022-02-06
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (TX)

I have a Mortgage with Shellpoint Mortgage Services. I closed on the XXXX on XX/XX/XXXX. Because of Covid and me being unable to work I started the Loan Forbearance process by phone in XX/XX/XXXX XXXX week before my payment was due for XXXX. It took them forever to get with me to get the process started. I was told that since I have started the process that no payments will be counted late. I was approved for the Forbearance in late XXXX early XXXX with the first new payment being due XX/XX/XXXX. I have paid as agreed but they are still reporting my loan late on my credit report.
Consumer complaint received 2021-10-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (DC)

I WENT TO PNC BANK LOCATED ON XXXX XXXX XXXX BECAUSE SOMEONE WITHDREW {$190.00} OUT OF MY BANK ACCOUNT I DID NOT AUTHORIZE IN AUGUST 0F 2021. I DEPOSITED THIS MONEY IN XX/XX/2021. THE BANK MANAGER WAS TO CALL XXXX AND EMAIL THE COMPANY REGARDING THIS TRANSACTION. A PROVISIONAL DEPOSIT WAS GIVEN TO ME. IT HAPPENED AGAIN, I WENT TO THE BANK THREE WEEKS AGO AND THE MANAGER SAID HE WOULD LOOK INTO THIS AND GIVE ME A CALL, I HAVE NOT RECEIVED A CALL. 
I WENT TO XXXX TWICE AND WAS TOLD THEY DID NOT TAKE THE MONEY OUT OF MY ACCOUNT. THE GENERAL MANAGER AT XXXX CONFIRMED THEY DID NOT TAKE THE PAYMENT OF {$190.00}. I WANT PROOF XXXX GOT MY MONEY. I WANT PROOF WHERE MY MONEY WENT.
Consumer complaint received 2019-07-30
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. (MS)

I have account Experian several times for over a year disputing the ownershio of an XXXX XXXX University. XXXX XXXX University is systematically and fraudualently continuing to report this account information to bring harm to my name. I would like the computer fraud to stop. Experian is collecting money from companies like XXXX XXXX at any cost. Please stop.
Consumer complaint received 2022-02-06
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: WELLS FARGO & COMPANY (GA)

Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Credit Card Balance on XX/XX/XXXX XXXX XXXX - {$0.00} Payment Info Status Legally paid in full for less than the full balance Status date XX/XX/XXXX 2020
Consumer complaint received 2022-02-25
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. (CO)

It was brought to my attention in Fall of XXXX via official credit report through all XXXX bureaus that my information was mixed with someone else 's. This included inaccurate reporting of my SSN, previous names, and addresses. I was able to correct this information through dispute and verification processes with 2 of the 3 bureaus. 

Equifax has failed to correct this information, despite my first dispute being completed in XX/XX/XXXX. It is now XX/XX/XXXX and Equifax has stated they still have not received the verification of my information ( including a letter/dispute form, a copy of my ID, and a copy of my Social Security Card ). This is extremely concerning, as I have sent on three separate occasions, by mail, physical copies of my personal private information. I also faxed this information once in XXXX. The address I sent this information to was verified multiple times with the CRA, and yet they state they have not received any copies of these documents. I have also disputed this multiple times online through their disputing services on their website. Each time this has resulted in a notification that to change the information they need verified copies sent to them, which I had already done as explained above. 

This is a clear violation of FCRA and this is unacceptable and affecting my credit score and reporting.
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (OR)

This company is showing a Judgement on my account with a balance. This Judgement was paid in XXXX, Collection Agency dates that it was paid in XXXX. It is now XXXX and it is still showing on my report and its showing a balance instead of paid
Consumer complaint received 2022-02-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (WI)

On XX/XX/XXXX I received a notice from XXXX XXXX XXXX leasing office in XXXX, TN that I owed {$1800.00} in back rent. I immediately called the leasing office to ask how is it that I owe back rent when I have paid my rent on time and full for the past three years. The person who answered the phone hung up on me. On XX/XX/XXXX I was delivered a Detainer Warrant to appear in court on XX/XX/XXXX, at XXXX : am in General Sessions court. I continued to pay rent. I paid XXXX rent on time. 
I went to court on XX/XX/XXXX at XXXXXXXX XXXX. and waited for docket # XXXX to be called. That docket number was never called and I didnt see anyone from XXXX XXXX XXXX I recognized. The docket # was never called, but instead rescheduled for XX/XX/XXXX at XXXXXXXX XXXX I called the General Sessions Court and spoke with court clerk and she told me that the case was a continuance and rescheduled for XX/XX/XXXX at XXXX XXXX  I went to court and my case still wasnt heard. 
I went to the leasing office XX/XX/XXXX, to pay rent and the office manager told they were no longer taking rent from me. She didnt tell why. I told her I had already paid XXXX rent. She told me that she knew and it was in their attorneys office. The case wasnt being heard and I contacted XXXX XXXX office via email and let them know I would be moving out in XXXX. I had been to court many times and my case hadnt been heard. In XXXX In went to General Sessions Court and received a print out of a document that a writ had filed on XX/XX/XXXX for eviction. The document had the initials XXXX, the wasnt me initial of my first but my daughters first name, but she didnt live in Tennessee or has never been to Tennessee XXXX I never mentioned my daughter to the leasing office or anyone else in the building. 
Before moving I made every attempt to share the documents I had with the leasing office and corporate office located in XXXX, TN to show that my rent was paid on time every month and in full. They never bothered to respond. 
Before moving out on XX/XX/XXXX I made sure was clean and livable. I handed in the apartment key to the office manager, the key fob, and mailbox key. I offered to pay for the months from XXXX to XXXX which would have been {$3000.00} with a down payment of {$860.00} with a notarized statement. They refused. There was a court date scheduled for XX/XX/XXXX and I returned to XXXX hoping this case would be finally resolved. This was my 10th court appearance. A collection agency in XXXX, Georgia National Credit Systems case # XXXX has a reported amount of {$4900.00} from XXXX XXXX XXXX XXXX. 
I been to court a total of 10 times. 
XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-02-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I was a victim of a scam/ fraud situation, where I was notified in order to receive money promised to me from a " buyer '' I had to upgrade my Wells Fargo XXXX account to a business account. The person that got in touch with me was impersonating a XXXX agent. That XXXX agent sent me multiple emails stating that I needed to send them {$350.00} in order to get that money. I sent multiple request to get this issue resolved and Wells Fargo has not been able to cooperate with me at all. This is a case of fraud and scam and I find it ridiculous that they are not able to help me out at all. Why would I authorize a payment if I knew I was being a victim of a scam or fraud. This is insane that I have to send all these complaints. I just want this issue resolved and my money returned.
Consumer complaint received 2022-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-10-28
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)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

XXXX and HSBC Bank are reporting false information in my credit report. I disputed the information. They sent an email saying they had changed it. However they will not let me see my credit report nor will they let me login to the website. I requested they send the information by mail as required by the fair credit reporting act.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

On XX/XX/2022 I called chexsystems inc, I spoke with XXXX the supervisor explaining to her that there was an fraudulent request of information on my file. I explained to them that they were in violation of 1681b. The supervisor continued to give me a hard time and didnt help at all with security freeze issue. Since then I have mailed out a letter demanding the security freeze be lifted until further notice. Please see attached file.
Consumer complaint received 2021-10-28
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. ()

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-02-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Services, Inc. (TN)

I have yet to receive a letter for validation from Collection Management Services. I want to make XXXX aware that a billing statement does not prove that I owe on the alleged debt. I am challenging XXXX to prove that the organization has rendered any services or compensation to which the company may lawfully collect. Where is the agreement to prove this matter? XXXXXXXX XXXX failure to prove this matter is considered false representation under 15 USC 1692e ( 2 ) ( B ) of the FDCPA and subject to fines under 15 USC 1692k. Again, if you all fail to produce an agreement that authorizes you to collect the debt, this considered unfair practices pursuant to 15 USC 1692f ( 1 ) and subject to fines under 15 USC 1692k. XXXX is the name on my consumer report. I want XXXX to be aware of what 15 USC 1692j ( a ) says. It states that it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Under the penalty of perjury, did you purchase the alleged debt? Why is XXXX on the report? I demand Collection Management Services and/or XXXX XXXX Management Services to cease and desist all forms of communication pursuant to 15 USC 1692c ( c ). XXXXXXXX XXXX failure to comply to the FDCPA will be challenged pursuant to 15 USC 1692k.
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

I was previously an employee of Wells Fargo Bank and at that time had setup a Team Member Checking Account which was fee free - no monthly maintenance fees. I have since left the bank as an employee and no longer use the account other than for minor purchases on XXXX or XXXX. A month ago, I received an alert that Wells Fargo had assessed my account a XXXX XXXX  monthly maintenance fee. I was surprised to see this since I had received no communication in my mail that the account was transitioning. With other banks, if something like this happens, I've received a Change in Terms Notice and something physically mailed to me to tell me that I am being adversely affected with a fee if conditions aren't met. None of this was done. I called customer service and they said there is a note on my statement a month ago saying the account was going to change in 30 days. I wasn't really happy since I never open or check my statements for this account, but ok fine. Now here we are less than a month later and I have moved all my funds out of the account with the intention of closing it and they again assess another XXXX XXXX monthly maintenance fee. Due to this new {$10.00} fee, their system will not allow me to close my account. I also called and received notification that they can not close without another {$10.00} payment, which I find ridiculous. I just want to close my account without the bank assessing me any more monthly fees.
Consumer complaint received 2021-03-10
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. (TN)

XXXX  ; XXXX  and Transunion should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see pages attached from my credit report. ) These multiple inquiries are well within the ( 14 45 ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry for each. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2021-10-28
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Hello. I have a mortgage with Wells Fargo since XXXX. My husband died 4 month before the pandemic. Im the only one who pays the mortgage.

Did the paper work at Wells Fargo for refinance my mortgage so I can pay less mortgage and pay off my debts. At the beginning it was great, but before closing they staring to ask me for lots and lots of paper work and letters about my income. Then after a long 3 months of waiting, finally they told me that I can not do the mortgage because I dont make a lot of income. I felt very very discriminated and upset about this situation. I still pay my mortgage even Im a low income family. Is anything that I can do? 

Summer XXXX Refinance money amount XXXX Wells Fargo XXXX XXXX  Ca XXXX
Consumer complaint received 2021-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Oklahoma Student Loan Authority (FL)

While in graduate school I tool out student loans serviced by OSLA. Upon graduation I returned to XXXX XXXX and asked OSLA to apply SCRA protections to all loans disbursed. OSLA denied my request multiple times stating that pervious XXXX XXXX service time has disqualified my from further protections. Since my student loans were not disbursed during a time of XXXX XXXX service I beleive OSLA is violating the SCRA, the Consumer Financial Protection Act, and corresponding state law by charging me an amount in interest over what I am legally required to pay.