davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2019-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have disputed the three collections that report on my credit report ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 3 times with XXXX & Transunion. These are all ORAL contracts. All three items exceed State of Arizona Statute of Limitations on Debt Collections and therefore per FCRA guidelines must be removed from my credit bureau. XXXX has complied with state guidelines and has removed all 3 items however XXXX  & Transunion have yet to follow suit. I have kept all 3 dispute records as well as all certified mail receipts. I have included Arizona regulations in case XXXX   is unaware of them. I called in to file the dispute one time and the customer service agent wouldn't accept my dispute because she said the statute of limitations was 6 years. If you work at the credit bureau they should provide their employees with guidelines by state. 

ARIZONA STATUTE OF LIMITATIONS Written contracts : 6 years, runs from date creditor could have sued account. 

Oral debts, stated or opens accounts : 3 years. 

Actions for fraud or mistake : 3 years from the date of the discovery of the fraud or mistake
Consumer complaint received 2022-01-12
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. (AL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

Starting in XXXX of XXXX I was getting fraudulent XXXX charges on my ciitcard account. I didn't notice until about XXXX. I called XXXX, the account was NOT my account that the items were being sent from but somehow, XXXX had a different account with my name, address, and citi card number on it. I never got any items but go charges. XXXX could not shut down the account because I was not the primary account holder and didn't know who it was and they wouldn't tell me. They said I had to go through citi card. I called promptly online put a freeze on my account and called citi and reported the fraud and cancelled the card. However, before I fully realized what was going on, there was one charge for approximately XXXX that I " disputed '' on the app because I had no idea what it was for. Citicard issued me a new card, BEFORE the card even got to my house and was activated, there were NEW XXXX charges again from the fraudulent account. Somehow a locked account was charged. I promptly called Citi Card, cancelled my entire account! Still though additional charges came from the XXXX account. I have spent hours on the phone with citic card trying to get the charges reversed. I was assured by the agents that interest and late fees would be refunded as well. 
Most of the charges now have been reversed from the XXXX charges. I finally filed a XXXX complaint about the rest. On XX/XX/XXXX I spoke with XXXX at the executive response unit department. She admitted on a recorded line that the XXXX was a fraud charge but because I had clicked a dispute on line, they couldn't refund it. She didn't know how to make the computer refund me my money. She also couldn't give me a supervisor name and claimed she reported to the Citi XXXX XXXX XXXX but she said her name was XXXX XXXX! She also did say XXXX late fee and interest was removed but that is not reflected currently on my account. The interest of XX/XX/XXXX from XXXX and XXXX from XXXX all need to be removed. Due to their lateness in removing late fees and interest it did compound and make it impossible to tell what was a new charge that was legitimate versus older ones as they refunded and re charged me them many times over. I want my XXXX, XXXX, and XXXX removed and no further accumulation of interest. I can no longer get into my on line account and haven't gotten statements in three months as I no longer have a card number to log in with! They claim I still owe after that XXXX with no proof of what charge it is for.
Consumer complaint received 2019-10-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I sent a response e-mail to XXXX ( Teller ID XXXX ) from XXXX XXXX XXXX. ( see attached documents for the e-mail and the documents attached to the e-mail. ) In this e-mail I advised XXXX that I was in receipt of her letter dated XX/XX/XXXX regarding the available options to me for mortgage relief. 

I informed XXXX that I wanted XXXX XXXX XXXX   to be aware that my mortgage which is under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) was part of a settlement agreement with the Department of Justice. With this said, said settlement agreement stated that Bank of America must provide relief to consumers. Some of that relief would be in the form of principal reduction and loan modification that would result in numerous homeowners no longer being underwater on their mortgages and finally having substantial equity in their homes. 

While I was in negotiations with XXXX XXXX XXXX they only thing they offered me was to modify my loan with a lower interest rate and putting all past dues amount, fees, etc. and the principal amount to the end of the loan as a balloon payment. Also, the terms of my loan where not extended they remained with the same end date as the original loan. 

Bank of America/XXXX XXXX / XXXX XXXX XXXX   have not complied with the Department of Justices Settlement Agreement of XX/XX/XXXX nor have they complied with responding to my first letter to them regarding the consumer relief that is owed to me under the said settlement agreement. They have violated their agreement with the Department of Justice and have failed to provide me with all the allowed relief for my mortgage loan. 

I request that they provide me with answers and with the consumer relief that is due to me under their agreement with the Department of Justice Settlement Agreement of XX/XX/XXXX. The relief is not only a lower interest rate, a loan modification but also principal reduction, forbearance or forgiveness of first lien. Please see in the attached document Page # 5 Consumer Relief for further information on the consumer relief that is to be provided to homeowners. 

Also be aware that XXXX XXXX XXXX as the Servicer has to this date never provided me an answer to my original letter to them regarding this issue.
Consumer complaint received 2019-07-27
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: Experian Information Solutions Inc. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE THAT I AM NOT LIABLE TO. PLEASE HAVE THE NEGATIVE ITEM OFF MY CREDIT FILE.
Consumer complaint received 2023-01-13
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: Experian Information Solutions Inc. (GA)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2019-10-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (NC)

I had been receiving phone calls from someone claiming to be with Wachovia, whom I used to bank with several years ago. I currently have an account with Wells Fargo. The person goes by the name XXXX, and he claims that there was a " soft close '' on my account and I still owe {$300.00} plus interest ( {$700.00} ). They had my last 4 digits of my social security number and had contacted my parents about the Civil Suit. The number I have is XXXX and the case number he gave me is XXXX. Is this a legitimate civil suit?
Consumer complaint received 2023-01-13
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. (AL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$21000.00} XXXX XXXXXXXX XXXX Balance : {$780.00} XXXX XXXX Balance : {$21000.00} XXXX XXXXXXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-07-26
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA (CA)

My leased XXXX XXXX XXXX was involved in a total loss accident. My insurance company XXXX got all the paperwork together and sent all necessary documents to Hyundai Finance who manages my lease. The accident occurred on XX/XX/XXXX and the paperwork was submitted on XX/XX/XXXX. Despite 5 phone calls and numerous emails, Hyundai Finance is refusing to supply XXXX Insurance with the letter of guaranty and copy of title. I received a letter from Hyundai Finance on XX/XX/XXXX stating that " monthly payments are not required after the date of loss '' but I'm still getting billed by Hyundai Finance to make lease payments. After calling twice to Hyundai Finance and speaking to two supervisors on XX/XX/XXXX, they hung up on me after promising to " escalate '' the situation and look into the matter. The first supervisor 's name is XXXX XXXX XXXX employee id XXXX - he refused to give his last name ) and the second supervisor did not give his name. They have no explanation for why they aren't sending the requested documents to my insurance company, and meanwhile, I'm being charged to pay for a lease on a totaled car that I'm not driving. When I ask Hyundai Finance why the requested documents haven't been sent and if I can speak to someone in their department, their response is " all we can do is send them an email request and there is no to physically speak to. '' After I called the number at the bottom of the attached letter, the supervisor said he was going to look into my account and ended up hanging on me. 

I feel there is definite fraud going on here. They won't send the documents to my XXXX insurance company so they can get paid the car value check, and they won't close my account. Meanwhile, I'm still being billed for payments and having my credit report threatened even as they send me correspondence saying I don't have to make any further payments. 

Please help! I just want Hyundai Finance to send over the letter of guaranty and close out my account. My complaint is with Hyundai Finance who seem to be behaving in a fraudulent manner.

Re : Hyundai Finance Account Number XXXX
Consumer complaint received 2019-10-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I sent a response e-mail to XXXX ( Teller ID XXXX ) from XXXX XXXX XXXX. ( see attached documents for the e-mail and the documents attached to the e-mail. ) In this e-mail I advised XXXX that I was in receipt of her letter dated XX/XX/XXXX regarding the available options to me for mortgage relief. 

I informed XXXX that I wanted XXXX XXXX XXXX   to be aware that my mortgage which is under the trust XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) was part of a settlement agreement with the Department of Justice. With this said, said settlement agreement stated that XXXX XXXX XXXX must provide relief to consumers. Some of that relief would be in the form of principal reduction and loan modification that would result in numerous homeowners no longer being underwater on their mortgages and finally having substantial equity in their homes. 

While I was in negotiations with XXXX XXXX XXXX they only thing they offered me was to modify my loan with a lower interest rate and putting all past dues amount, fees, etc. and the principal amount to the end of the loan as a balloon payment. Also, the terms of my loan where not extended they remained with the same end date as the original loan. 

XXXX XXXX XXXX/Wells Fargo / XXXX XXXX XXXX   have not complied with the Department of Justices Settlement Agreement of XX/XX/XXXX nor have they complied with responding to my first letter to them regarding the consumer relief that is owed to me under the said settlement agreement. They have violated their agreement with the Department of Justice and have failed to provide me with all the allowed relief for my mortgage loan. 

I request that they provide me with answers and with the consumer relief that is due to me under their agreement with the Department of Justice Settlement Agreement of XX/XX/XXXX. The relief is not only a lower interest rate, a loan modification but also principal reduction, forbearance or forgiveness of first lien. Please see in the attached document Page # 5 Consumer Relief for further information on the consumer relief that is to be provided to homeowners. 

Also be aware that XXXX XXXX XXXX as the Servicer has to this date never provided me an answer to my original letter to them regarding this issue.
Consumer complaint received 2019-10-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (CA)

I first received a call on XX/XX/XXXX from a mediation service " hired '' by XXXX XXXX to collect an old debt. I went ahead and set up a payment arrangement and was reassured this would be taken care of. XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In the letter claimed the current creditor was " XXXX XXXX XXXX '' .This debt according to them was paid in full as of XX/XX/XXXX. I received a " release '' letter and was not contacted any longer, and noticed this didn't show up on my credit reports. on XX/XX/XXXX I began to receive calls from XXXX XXXX XXXX XXXX claiming they purchased this debt back in XX/XX/XXXX, and the previous company only collected interest and I had 48 hours until they sent out a service company to serve me with court papers. The company didn't state their name and sent me an email with a letter from XXXX XXXX, General Manager of XXXX XXXX XXXX XXXX XXXX XXXX. I didn't hear from them until today XX/XX/XXXX claiming they were filling with the local jurisdiction XXXX XXXX and going to serve me at work ( they had the incorrect employer, I didn't correct them ) I asked for more clarification but they keep repeating legal nonsense and don't answer my questions.
Consumer complaint received 2018-05-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Filed charge back request by telephone ( case number XXXX ) with Bank of America for {$82.00}, based on consumer fraud incident at XXXX XXXX store number XXXX. XXXX XXXX technicians falsely guaranteed they were installing the specific lubricant I ordered for my vehicle, when in fact they knew they were installing a different lubricant. They also caused damage to my vehicle in the process. 

The BofA claim processor explained that I would receive a refund on my credit card and refused to take any of the documentation I offered to fax or email. 

B of A then sent the attached letter dated XX/XX/2018 to deny my claim for lack of documentation. I called the XXXX number listed on the letter to complain about BofA 's so called " investigation '' The BofA dispute officer explained that I failed to submit separate signed letters from 2 independent mechanics to verify that XXXX XXXX installed the wrong lubricant. I explained that BofA 's documentation demand was impossible to satisfy because no mechanic is capable of identifying the chemical composition of a lubricant. Nevertheless, BofA refused to resolve the issue.
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (MN)

We have a business credit card with Goldman Sachs. We pay our statement balance every month. I come to find out that they take our payment process it clear our bank account and 2 days later charge us a {$140.00} interest on {$12000.00}. This seems like absolute fraud all the way!!
Consumer complaint received 2019-11-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MA)

I XXXX XXXX XXXX, SSN XXXX, opened a mortgage in the amount of ~ XXXXUSD with Wells Fargo on XX/XX/XXXX. Wells Fargo foreclosed on my property utilizing a 3rd party servicing law firm " XXXX XXXX XXXX  : XXXX XXXX XXXX , XXXX .

XXXX XXXX XXXX XXXX, MA XXXX PHONE : XXXX FAX : XXXX I owed both state and federal taxes not directly tied to the property. Ultimately, I submitted a complaint to wells fargo and the CFPB as wells fargo contractually was responsible ( based upon the language in the foreclosure contract/agreement published by XXXX XXXX XXXX and authorized by wells fargo. Wells Fargo has not reviewed the XXXX XXXX XXXX agreement, and XXXX XXXX XXXX is now refusing to provide the agreement to me. The agreement was emailed to me at one point but due to my phone being stolen I can't access the agreement. It is important to note an executive resolution specialist by the name of XXXX XXXX called me on XX/XX/XXXX where we had a robust discuss. It's also important to note those phone calls are recorded.Essentially wells fargo is skirting liability by what I call creative nomenclature. In my instance wells fargo tied my FHA loan to a bank statement that said XXXX XXXX, instead of my federal tax return which has my full name XXXX XXXX XXXX or XXXX XXXX XXXX. Upon closing I provided my passport and license which both state XXXX XXXX XXXX. I believe I uncovered a major scam where wells fargo is defrauding consumers. For example, if wells fargo only tied the loan to XXXX XXXX, when they submitted paperwork for either a judicial or non-judicial foreclosure process unpaid taxes and liens would not show. It's important to note the loan is attached to my consumer report which has my name of XXXX XXXX XXXX or XXXX XXXX XXXX minimally. The bank is essentially tying the loan to whichever leaves them the least liability that they need to disclosure in the event of a default. I've done some research and I can prove they have done this to numerous consumers and I've solely been able to prove this be true based upon public deed records. I will be describing more when I go public as it is very difficult to tell the full story here. Ultimately Wells Fargo is defrauding the US government, investors, consumers, and is causing many families to be homeless, damaging their credit reports, and undermining FHA loans. Also listen to phone calls recorded on XX/XX/XXXX and XXXX- Wells Fargo or a  representative contracted by wells fargo N.A assured me they would not lose. delete or misplace the recordings of our discussions and they also stated they would be mailing me a statement that said they listened to all of the calls prior to reaching a decision on the matter. The resolution specialist I last spoke to was XXXX XXXX extension XXXX. 

I previously submitted a CFPB complaint under # XXXX-XXXX. I also notified the FBI.
Consumer complaint received 2024-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to express my frustration as you failed to remove the remaining fraud account from my credit report, despite confirmation from the bank and assurances over the phone. Other bureaus have already complied. Please remove the account immediately as agreed with the bank and in compliance with the law. 
XXXXXXXX XXXX
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

The account was paid in full on XX/XX/2019. 
The creditor was awarded a judgement for garnishment against me on XX/XX/XXXX. 
They left the account open and didnt start the garnishment until XXXX. 
I paid it off in full XX/XX/XXXX. 
They reflect the account as still being open and being in bad standing. 
They never reported the judgment or the payment. 
And the charged me over what judgement was.