davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-11
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CREDIT ACCEPTANCE CORPORATION (AL)

I am filing a complaint the let the cfpb know credit acceptance talked to a third party about my debt they bought from XXXX XXXX  XXXX. They had no right to give the repo company my private information and come on my personal property and steal my vehicle. They did not have a court order with an affidavit attached giving them the legal rights to steal my vehicle and enter my property. If they take or threaten to take any nonjudicial action ( without a court order ) to repossess property when there is no present right to possession of the property they is in violation.
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

On XX/XX/18, I was informed by a mortgage broker that my Experian credit report was unable to be pulled. 

I called Experian. No customer service representative could explain why this was the case. I spoke to a manager named XXXX. She was extremely unhelpful and admitted that Experian had made a mistake but was unable to fix it promptly. 

She also indicated that Experian was unable to follow up with me to give any status update about when the error might be fixed, because " that is not what they do ''. She was also unable to give me her phone number to check in on this matter. Finally, she told me this was impossible to escalate and that no one at the company existed that could be helpful. When I pressed, the customer support team admitted to not having " any answers ''. 

I am unable to proceed with my mortgage based on this error.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Allied International Credit Corp., (US) (FL)

On XX/XX/XXXX I make arrangements with Allied International Credit Corp.to pay $ {$650.00} for 3 months adding to the amount of {$1900.00} of the total Balance of {$3900.00} I had with XXXX XXXX  I make the first payment on XX/XX/XXXX. Went I called on XXXX to make the second payment they informed me the account was closed and needed to call XXXX. When I called XXXX they told me the same and for that reason they couldn't take my payment. 
After several months they sold my account again and reported me to the credit report and did not honored the arrangement I made legally in the first place.
Consumer complaint received 2020-06-06
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. (MO)

My name is XXXX XXXX and I have been a victim of XXXX XXXX There are accounts on my credit report that is wrong and that was not opened by me. My credit information was stolen and someone took my social security card and personal information and opened up accounts. 

My social security number is XXXX. 
My date of birth is XX/XX/1987 I want to dispute all information on my credit reports.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (TX)

I purchased an engagement ring from XXXX XXXX XXXXXXXX on XX/XX/year>. I returned the engagement ring to XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX refunded the full amount to my debit card in the amount of {$11000.00}. I received a notification from Chime stating that the refund was expected to be processed by XX/XX/year>. The funds were never deposited into my account from Chime. They claim to have no record of the refund. I followed up with XXXXXXXX XXXX XXXX and they assure me that the refund was processed and that the funds were sent to my account. They provided me transaction information proving that the {$11000.00} was refunded to my debit card. I started a dispute with Chime bank, and provided such information as the receipt and the transaction information provided by XXXXXXXX XXXX XXXXXXXX Chime denies that any mistake has been made, and they are refusing to issue the funds into my checking account.
Consumer complaint received 2020-06-06
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. (NY)

XXXX my FICO score dropped from XXXX to XXXX with out any intelligent reason. I am one of the few people that continue to pay my bills on time during this pandemic. My credit is stellar. I have over XXXX in liquid assets. Playing with credit scores is a criminal act. Please get your act together or I will be filing a civil lawsuit.
Consumer complaint received 2019-01-13
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: SLM CORPORATION (NC)

XXXX XXXX has 4 accounts in which they receive 6 payments every month. 1 account has been receiving far too much money resulting in over-payment of {$1300.00}, while another account receives no payments. I have alerted XXXX XXXX  of the issue and told them that they need to reapply the money to the account that was overpaid to the account that was not receiving the proper payment. We have all the supporting documents from my Bank bill pay and they are willing to send them documents dating as far back as three years ago. We have called and spoken with several XXXX XXXX representatives and they have stated they were aware of the issue and that was a problem on their end and that they would fix it. However it has been a month and they have not fixed the issue nor called me back about it, and they absolutely refuse to send an email so that I may have further evidence on their statements.
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (KS)

I withdrew my points from my Wells Fargo XXXX XXXX XXXX card on XX/XX/XXXX. As of today, XX/XX/XXXX, it has been XXXX business days and I still have not received the funds in my checking account. Despite multiple inquiries, there has been no satisfactory resolution or information provided. 

XXXX XXXX from the escalations team specifically stated that she would not provide any information until the investigation was complete. This lack of transparency is frustrating, especially since on a separate call, I was informed by another Wells Fargo representative that this is a known issue. 

Wells Fargo 's failure to address this problem promptly and provide clear communication has been incredibly disappointing. As a customer, I expect better service and accountability from one of the country 's largest financial institutions. This situation has caused significant inconvenience, and I urge the CFPB to investigate Wells Fargo 's handling of this matter.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX, I just checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, I am not sure what's going on but you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.
Consumer complaint received 2022-07-27
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. (GA)

i have tried diligently to have XXXX fraudulent inquiries removed from my credit report these inquireies are all fcra fdcpa and metro 2 violations i have a federally protected right to fair and accurate reporting under fcra policy as well as 15 usc 1681 bb and 15 usc 1692 g, and fcra section 609
Consumer complaint received 2022-07-27
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: EQUIFAX, INC. (GA)

i have tried diligently to have XXXX fraudulent inquiries removed from my credit report these inquireies are all fcra fdcpa and metro 2 violations i have a federally protected right to fair and accurate reporting under fcra policy as well as 15 usc 1681 bb and 15 usc 1692 g, and fcra section 609
Consumer complaint received 2018-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mutual Management Services LLC (FL)

I have called this company many times and have told them that the information reported on my credit report is not accurate and does not belong to me. Yet they have taken no action and continue to report the inaccurate information on my report. They threaten to increase reported amount of I do t pay them. Unnecessary threats are being utilized as a tactic for them to receive payment for something that is not mine.
Consumer complaint received 2024-05-31
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: EVERBANK, NATIONAL ASSOCIATION (NC)

My complaint is against XXXX XXXX for their handling of my XXXX term CD. I only engage XXXX through their mobile app. Specifically, my CD reached the XXXX maturity date. After that, according to XXXX, because I did not call within XXXX of the maturity date they initiated another XXXX term. Today, I contacted XXXX to close the CD and was advised there would be a {$3000.00} early withdrawal penalty. When I confronted XXXX about this predatory amount I was advised that the terms of early withdrawal where shared with me during the original agreement. I stated that since I only engage with them through the mobile App I can not be expected to recall terms from over XXXX  years ago and that I should have been given notice through the mobile app since they have records that this is my only engagement tool. Furthermore, I questioned how I could be charged on the entire principal amount when they initiated new 4 year terms without my consent. Giving Customers a limited XXXX window to provide instructions on how to handle an account after sitting with XXXX terms is a dishonest business practice as that XXXX window assumes a Customer has access and awareness to provide instruction. I would NOT have chosen to initiate another XXXX term had XXXX made XXXX aware of their intended actions through the mobile APP. This business practice undoubtedly is abusive and takes advantage of Customers who XXXX not recall CD origination detail and should receive notice and a longer window to provide instructions in order to avoid such a significant penalty.
Consumer complaint received 2022-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

i have tried diligently to have XXXX fraudulent inquiries removed from my credit report these inquireies are all fcra fdcpa and metro 2 violations i have a federally protected right to fair and accurate reporting under fcra policy as well as 15 usc 1681 bb and 15 usc 1692 g, and fcra section 609
Consumer complaint received 2022-07-27
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXX account number XXXX ( XXXX ) has violated my rights. 15 U.S.C.1681 section 602 A states I have the right to privacy. 15 U.S.C.1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXXAccount number XXXX
Consumer complaint received 2019-09-09
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: CITIBANK, N.A. (CA)

I've had a Citibank Visa card for about ten years. Currently I have a $ XXXX limit but the largest purchase I've ever made on the card probably taps out around $ XXXX or so. On XX/XX/XXXX I went to make a payment on my balance, expecting to see a pending balance of XXXX XXXX dollars, except the balance was $ XXXX. On XX/XX/XXXX somebody apparently used my credit card to make a {$12000.00} at XXXX. After having a mild panic attack I called Citibank immediately to report the fraudulent purchase. I was asked a series of frankly insulting questions about whether or not I was 100 % positive it wasn't made by an authorized user even after telling them that no, I was definitely not. Finally though they say okay, any fraudulent charges I won't be responsible for, cancelled the existing cards and issued new ones, but added that because the amount of the dispute is so high they need to escalate the dispute to some other unit. I asked for a case number or a phone number and was told a case number didn't exist yet and they couldn't give out the phone number for the fraud unit. I asked why and couldn't get a clear answer, but they just kept repeating somebody will contact me, somebody will call me, don't worry somebody will call you. It didn't seem like I had any choice but to agree so I ended the call and waited for a week with zero response. A week later Citibank calls me about some suspected fraud on my card and I think oh, this is it. No, they were calling about a {$1.00} charge made earlier that morning. I said no I didn't make a {$1.00} purchase at this place but asked what the status was of my previous dispute, the {$12000.00} charge. The person I spoke to didn't seem to know anything about it, but after a few minutes he said he sees some notes about the matter and I'll just have to wait for somebody to contact me. I asked why there wasn't a freeze on this charge or a credit or something. I asked to be transferred to somewhere, to get the fraud unit 's phone number, anything. Again, I they just kept saying the same thing again and again, no, we can't help you and you need to keep waiting. So here we are a month later and I'm thinking that they must be doing something on their end without involving me. They're probably taking care of it, right? No, I check my balance on XXXX and it's STILL shows as just a regular, normal purchase. I call Citibank and after waiting to get to a live person, a live person tells me their computers are down and I need to call back in another four hours. I call back the next day and they tell me they can't give me any information about the matter but suggested I try calling a different number on Monday. At this point I don't think Citibank has ANY intention of doing anything about this fraudulent charge and are just going to keep blowing me off. I don't know what to do. Please help me.
Consumer complaint received 2016-10-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (MT)

My checking account with Wells Fargo was fined for an overdrawn balance due to a cable company called " XXXX '' in XXXX NC. The fault was with XXXX, and so Wells Fargo charged me an overdrawn balance and never bothered to repay me, even after I received a minimal balance back from XXXX cable company. Also I have a new checking account that I share with my wife XXXX XXXX, and recently an amount of money was taken out that should have never been taken out to begin with, resulting in my gas for my car for work being empty, and my lights almost being shut off that I share with my wife, and other past due bills being effected due to their error.
Consumer complaint received 2016-05-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I need some help with saving my home from foreclosure. I am behind in my mortgage payments and am in foreclosure with a sale date scheduled on XXXX/XXXX/16. Wells Fargo/ASC said they would review me for a loan modification and I have provided all requested documents to them. I just need to make sure the sale doesnt take place that is scheduled on XXXX/XXXX/16. Please help me in any way possible, thank you.
Consumer complaint received 2021-07-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bull City Financial Solutions, Inc (NC)

The motorcycle accident took place XX/XX/2019. The only level 1 trauma center close was XXXX XXXX on XXXX XXXX XXXX in XXXX. XXXX XXXX  is in my insurance network and my fiance called to confirm that our stay there was covered. My insurance company told her that because the accident resulted in life threatening injuries that any and all treatment inside of the hospital regardless of the provider on call would be covered. The XXXX XXXX billing department billed as they normally would and the insurance company declined to pay certain bills as a result of the bill coding. We spoke with the insurance company and as long as XXXX XXXX changed the billing codes and resubmitted everything the insurance company would then pay. This was about 22-23 months ago and to date there has been no resolve to the past due medical bills. My attorneys office as well as my fiance were unable to get responses from XXXX XXXX regarding these and they have been left unpaid as a result. Thanks again for everything.
Consumer complaint received 2022-07-27
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. These inquiries should also be removed.
Consumer complaint received 2019-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have entered a dispute to have this BK removed from my credit file previously. Under the new law effective XX/XX/2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau can not verify the BK, ( because the court doesn't share information with credit companies ). This credit bureau has not updated the information and per the new law the bankruptcy listed does not include this information and should be deleted from my credit file.
Consumer complaint received 2022-07-27
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. These inquiries should also be removed.
Consumer complaint received 2023-08-17
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. (NY)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

How many complaints and letters do I have to submit to the Credit Bureaus for them to correct my Credit report from erroneous reporting? the last letter I sent to the Credit Bureaus was XX/XX/2022 requesting that if the Credit Bureaus can not update the status of the disputed account, it would be preferable if they remove the disputed account from my Credit Report. The account XXXX XXXX XXXX XXXX with a Balance Owed : {$810.00} is reported as a charge off account and yet this account indicates a balance! As far as I know, a charge off account must report XXXX balance. I have been wanting the Credit Bureaus update this account and yet they have to do so. I would greatly appreciate it if the Credit Bureaus would just delete this account if they can not comply with a simple request of an update.
Consumer complaint received 2018-08-05
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: Ad Astra Recovery Services Inc (CA)

I lost my walet and there was my social secury number my greencar my ID 2 debit car and some money That was happened in XX/XX/2016 but now i have 4 credit repor  they stold me all my information and make lons and i have problems now
Consumer complaint received 2022-03-14
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.