davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY (OR)

I have contacted Wells Fargo by telephone regarding the excessive interest and finance charges of my loans multiple times over the past few years. I have asked that my wife is on as contact as I work long hours and asked that she be permitted to discuss all pertinent details to no avail. I get the runaround everytime XXXX talk to someone from Wells Fargo. Going back to XXXX, financing {$3000.00} had a finance charge of XXXX, and capitalized interest of XXXX with an APR of 5.232 % interim and 5.5 after repayment. A federally subsidized loan at 3.370 %, estimated balance of XXXX and interest during repayment estimated at {$420.00} on a XX/XX/XXXX statement. XX/XX/XXXX statement has the loan at 6.75 %, finance charge of XXXX, financing amount {$2000.00}, capitalized interest of XXXX payments being XXXX for 47 payments. A few months later, XX/XX/XXXX XXXX the same note- has an APR of 7.25 %, finance charge of XXXX, amount financed of XXXX XXXX XXXX borrowed, XXXX capitalized interest ), bringing the total to XXXX and payments being XXXX for 47 payments. A statement from XX/XX/XXXX shows a total of XXXX principal balance. A disclosure sent XX/XX/XXXX shows the federally subsidized loan from XX/XX/XXXX at 2.470 % unpaid balance at XXXX and interest capitalization to be {$13.00} plus additional interest of {$190.00} to have a total paid of XXXX with 62 payments of {$50.00}. This is entirely confusing. Different dates, interest rates, capitalized interest number and amount of payments changing. Then we have the large amount, the {$12000.00} note taken XX/XX/XXXX. The finance charge was {$6400.00}, interest capitalization of {$3100.00} for an APY of 5 %. This is excessive charges. We have faithfully paid amounts on this loan with an auto pay after a hiccup in payments in the first few months of repayment. No notice was sent or emailed and another change of terms with an increase of payment required was demanded and resulted in a non paid full balance and a late fee assessed. My wife contacted Wells Fargo, ( who then again did not have it on file that she could discuss matters with them, so I had to again give them permission ) and was able to have the fee reversed and set up auto pay through their website. Point is, that we have paid this faithfully for almost 10 years and the charges are excessive, their lending practices difficult to follow and their communication is lacking and unclear. When we tried to resolve issues at the branch levels it was met with increased frustrations. We decided to close our checking accounts and just work on paying off the loans. I understand that I wanted to have an education and part of this is the cost of doing business and paying for that education. I also feel that there should have been caps in place for the finance charges. I haven't seen any other loans that come with an over 50 % finance charge, Interest capitalization, and interest charges on those charges.
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

XX/XX/2022 i sent several letters to creditors XXXX  XXXX {$820.00} {$640.00} {$400.00} XXXX XXXX {$820.00} XXXX XXXX XXXX  {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX {$890.00} XXXX XXXX  {$820.00} {$710.00} XXXX XXXX XXXX {$400.00} {$640.00} {$230.00} XXXX XXXX {$340.00} XXXX XXXX {$500.00} XXXX XXXX XXXX {$1100.00} {$500.00} {$850.00} XXXX XXXX {$890.00} XXXX XXXX {$2500.00} XXXX XXXX {$500.00} XXXX XXXX {$570.00} {$570.00XXXX XXXX XXXX {$2500.00} about false collections on my credit report as well as late payments and creditors selling accounts to multiple debtors .Theyhave Not excercise my right under the fair credit reporting act.
Consumer complaint received 2019-03-31
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: Eagle Accounts Group, Inc. (NY)

I just recently took a loo at my credit report and I noticed that there were some XXXX XXXX  accounts on my credit report that aren't mine. Below are a list of XXXX XXXX accounts that i need removED ACCOUNTS : 1 ) XXXX XXXX XXXX -AMOUNT {$3600.00} -DATE OPENED XX/XX/2017 -ACCOUNT # XXXX
Consumer complaint received 2021-03-08
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)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM A VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I XXXX XXXX a consumer has asked the 3 major credit reporting agencies to update and correct the inaccurate, incomplete, and incorrect information showing on my credit reports. I have sent them letters on several dates. XXXX, XXXX, and Experian have completely disobeyed FCRA. they have not removed any late payments or Identity theft from my credit reports. 
Please ensure that all information is corrected according to the Fair Credit Reporting Act 's. 
So, I'm requesting that they delete all the following ACCOUNTS AND LATE PAYMENTS FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$75000.00}, XXXX XXXX  XXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2024-03-04
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: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (IL)

Applied for and approved for XXXX Preferred Business Card from American Express in 2018 with XXXX point sign up offer. Spent the required {$5000.00} in 3 months and did not receive XXXX points. Talked to rep. and found out was denied bonus. They opened an inquiry but the points are still missing. I would like it researched and points awarded for the following reasons : -Have only had XXXX or XXXX American Express cards in last 20 years. ( still have 2 of them ) -Have never had the American Express BUSINESS card before so the once per lifetime bonus rule in the fine print has been followed. 
-Never received a pop-up message while applying online or any mail / email indicating my bonus had been denied after the card was approved. 
-Spent over {$5000.00} in 3 months and met the minimum spend requirement to get the XXXX XXXX points. All of the spending is from real legitimate purchases. 
-Fully expected American Express would honor the bonus for sign up but did not. Never received any communication that I would not get the bonus or wouldn't have spent the {$5000.00} in that short amount of time. 
Thank you for checking into it.
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PENTAGON FEDERAL CREDIT UNION (NY)

My PenFed Member Number is XXXX. After speaking with the membership services department at Penfed, and as per the advise received, on XX/XX/2019 I requested Penfed to add me as a joint borrower to three different PENFED accounts. My email request dated XX/XX/2019 and its attachments ( three pages ) are again attached herewith. But these accounts are not yet being reported to all Credit Reporting Agencies ( CRAs ).
Consumer complaint received 2022-03-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

I have been trying to contact my mortgage company, Shellpoint, for months ( since XX/XX/XXXX/ XX/XX/XXXX ) to extend my forbearance. They have repeatedly made it impossible to get a person on the line to talk to, or provide a means of communicating ( email, etc ). 

Yesterday I filed a complaint with the CFPB regarding the fact that they would not even talk to me. 

Finally they made an effort to get in touch, and now they are asking me for additional documentation to extend the forbearance on the mortgage because their " lienholder requires it. '' They are falsely asserting the CARES act no longer applies because it expired on XXXX of XXXX. 

As a point of fact, the CARES act allows mortgage forbearances to continue past XXXX, and all I should need to do to continue my allowable forbearance is attest I am still affected by COVID-19, which I am. 

Shellpoint is therefore fraudulently trying to create hurdles to prevent folks from exercising options on the mortgage that is the mortgagee 's right. Further, it is my feeling they have effectively defaulted on their side of the obligation. Were I to refuse to speak to them for four months and then ask them to jump through hoops for something normal they would declare me in default, and foreclose on my property.

A mortgage holder does not have the ability to declare them in default and " foreclose '' on the mortgage. Therefore I am asking for regulatory sanction / punishment from the CFPB or applicable regulators to discourage them from future malfeasance.
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance {$1700.00} ; XXXX XXXX XXXX XXXXX Date Opened XXXX XXXX, XXXX Balance {$200.00} ; XXXX XXXX  XXXXX Date Opened XXXX. XXXX, XXXX Balance {$140.00} ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX
Consumer complaint received 2023-11-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (MO)

On XX/XX/ I was approached by a man on XXXX dating app. He immediately asked me about the home I had just purchased, and i to, d him I was interviewing a handyman later in the day. He asked what jobs I needed a handyman for and I told him. He immediately said that state law says a licensed contractor and licensed electrician had to do those jobs, and that he was both. He offered to come look at what needed to be done, so I didnt get ripped off He came over for lunch and immediately started pointing out electrical hazards. and dangerous situations He showed me fake paperwork that said he was a licensed, insured contractor in Missouri. For construction and remodeling homes. He wrote a big elaborate description of all he would do, and asked for XXXX dollars up front for supplies. He said he would start the next day. He wanted to be paid through cash app. I transferred the money from XXXX XXXX  to cash app, and thinking I had purchase protection I put in the subject line of cash app that it was for supplies for the remodel. 
He did not start the next day. The only thing he started was asking me for more money. For 2 or 3 days he hounded me non stop trying to get more money from me, and when I finally said Id not give him another dime until the job was done. He got belligerent, angry, and loud with me. I told him I just wanted my money back and Id find a contractor who would show up and do the work. 
After that he just became a distant memory. He changed is number and disappeared. I contacted both cash app and XXXX XXXXXXXX and they both told me I was out of luck. 
I truly believed these banks were here to help people li, e me from being scammed. To, offer us protection from predators. Im XXXX XXXX XXXX, XXXX, and unable to fight for myself. 
Both financial institutions blew me off like I was nobody.
Consumer complaint received 2019-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (GA)

XXXX XXXX ( Bank ), formerly known as XXXX XXXX XXXX XXXX Bank, has failed to provide important documents of an account they have sold to XXXX XXXX XXXX on my behalf. I am disputing this with XXXX XXXX XXXX and they do not have any sufficient documents to prove the balance of debt that you sold to them. 

I am requesting that copies of all documents that belong to this account including : Signed Credit Application/ Contract Copy of Identification Used to open account All bank mailed letters concerning selling of account Copies ALL statements from opening of account Details of Purchases that amount to balance owed Copy of letter of Sale of Debt to Portfolio Copies of all bank letters mailed on behalf of this account ( Ref No. : XXXX Complaint XX/XX/2017 ) I have requested from XXXX XXXX XXXX that this account be removed from my credit report. They said you sold the debt to them. I hope this is not FRAUD by you bank going on. Please send me these documents ASAP and no later than 30 days required by law.
Consumer complaint received 2022-07-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (SC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-08-16
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the accounts being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that the Credit Bureaus provide me copies of documents bearing my signature to verify the status of the disputed account. If they failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible : XXXX XXXX XXXX XXXX Late Dates XXXX
Consumer complaint received 2019-01-30
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. (MI)

I have a credit card reporting on my credit bureaus as a derogatory account. This account was included in my Chapter XXXX bankruptcy in which I listed it in my bill of matrix. This matter should have been removed once my BK was discharged. It is still showing on my report
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I got injured and had XXXX XXXX and lost job, I was not able to pay bills, keep getting calls, so I changed phone number. come to find out XXXX XXXX reported to all 3 credit bureaus I was deceased. equifax didn't try to contact me to see if this was accurate instead just put it on my credit as dead
Consumer complaint received 2022-08-16
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. (CA)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, 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 XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2019-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have a credit card reporting on my credit bureaus as a derogatory account. This account was included in my Chapter XXXX bankruptcy in which I listed it in my bill of matrix. This matter should have been removed once my BK was discharged. It is still showing on my report
Consumer complaint received 2022-07-12
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

A credit card account with Capital One was open without my knowledge I obtained a police report spoke with Capital One and had the account removed from two of the three credit bureaus I have disputed the charge with XXXX and they will not take it off my credit report after several disputes I even sent a police report and an affidavit statement that the charge was not mine and they refused to remove it