davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-18
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (LA)

I sent a request to WELLS FARGO to validate my auto contract on XX/XX/XXXX. Along with this request was a copy of my original auto contract in its entirety. WELLS FARGO responded to my request with a letter of validation and a few pages from the contract they had on file. The auto contract pages that WELLS FARGO submitted to me, all had fraudulent signatures. Not one of the signatures were my own. This was undeniably evident when compared to the original. I reported this through CFPB and again WELLS FARGO replied with a letter of validation and pages from the fraudulent contract and closed the case. On XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX, a WELLS FARGO rep called me to inquire about a XXXX complaint filed through CFPB. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX While I had the rep on the phone, I'd asked him why WELLS FARGO did not acknowledge the fraudulent contract and only replied back with the same pages that are fraudulent. I was told that the only way to address the issue was for me to bring WELLS FARGO to court. I was also informed that my vehicle would be charged off and set for repossession in just a few days ( I had stopped making payments after learning about the fraud with the expectation that WELLS FARGO would remedy this situation in some way in my favor ). The rep strongly encouraged me to call the payments line as soon as I hang up with him to avoid repossession of my vehicle with no regards to the fraudulent contract. I emailed him the next day XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX to review our phone call so that I can have some sort of written confirmation of the information given to me ( call XXXX XXXX ). The auto-response email WELLS FARGO sent states that inquiries would be answered in XXXX business days, it has been XXXX days with no response to my email. Here is what I need to know specifically from WELLS FARGO : 1 ) Is my vehicle in danger of being repossessed? 2 ) Is bringing WELLS FARGO to court my only resolve to having the fraud addressed? If these 2 questions are answered, I can have clarity and have a better understanding of how I need to proceed.
Consumer complaint received 2020-07-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Turning Point Solutions LLC (MA)

The company repeatedly calls using piggy backed numbers as to trick you in answering the phone. They also abuse you verbally - I have repeatedly requested to send me a statement or a mailing - I get nothing. They continue to call my relatives looking for me when they know XXXX well where to find me - as I have spoken to them in the past. A little understanding due to the world events would be nice but they have no niceties with them - they are disrespectful, harassing and must be stopped.
Consumer complaint received 2020-07-28
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. (MO)

XXXX ; XXXX  and Transunion are falsely reporting that I am ( 120-180 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-02-18
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)

On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I have sent letters to the credit bureaus in regards to inaccurate and false accounts and inquiries that was and is being reported to my credit report. I am being taken advantage of and ignored. The consumer laws says that failure to investigate these items within 30 days, gives a reason to immediately remove those items from my credit report. It has been over 60 days. The accounts being disputed should be deleted now. I demand the accounts be deleted immediately or i will file for litigation due to the stress these fraudulant items have caused me with no help from the credit bureaus. My personal information was impacted by the XXXX and bXXXX  XXXX XXXX data breach as well as my personal information stolen from my personal possession in XXXX. 

These accounts are adversly affecting my credit report and hindering me from maintaining an accurate report and from obtaining credit. I have filed complaints with the Federal Trade commission and XXXX XXXX XXXX due to these fraudulent accounts becaus I have no knowledge of the accounts. I refuse to keep sending in letter to be told that I am not my self even though I am sending in my License, social security card and a utility bill providing sufficient identity verification AND I have called numerous times in regards to not receiving update to the letters sent! I will not wait another 30-90 days to hope a response/update will come.
Consumer complaint received 2021-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Unknowingly, I was involved in fraud with XX/XX/XXXX in 2018. XX/XX/XXXX was sued by the Attorney General 's office of Minnesota and the FTC and lost. In XX/XX/2018, when I became involved with XX/XX/XXXX, they encouraged me to open credit cards. I have now have credit debt I can not pay. My credit score of XXXX is now in the XXXX 's. I disputed all credit cards as soon as the FT closed XX/XX/XXXX in XX/XX/2018. The credit card companies denied my disputes. I want some guidance on if I am financially obligated to pay for fraud charges I never authorized or if I should file bankruptcy. I just don't feel like I should be held responsible to pay thousands in fraudulent charges that I never authorized.
Consumer complaint received 2022-02-18
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I have sent letters to the credit bureaus in regards to inaccurate and false accounts and inquiries that was and is being reported to my credit report. I am being taken advantage of and ignored. The consumer laws says that failure to investigate these items within XXXX days, gives a reason to immediately remove those items from my credit report. It has been over XXXX days. The accounts being disputed should be deleted now. I demand the accounts be deleted immediately or i will file for litigation due to the stress these fraudulant items have caused me with no help from the credit bureaus. My personal information was impacted by the equifax and XXXX XXXX XXXXXXXX data breach as well as my personal information stolen from my personal possession in XXXX. 

These accounts are adversly affecting my credit report and hindering me from maintaining an accurate report and from obtaining credit. I have filed complaints with the XXXX XXXX XXXX and XXXX XXXX XXXX  due to these fraudulent accounts becaus I have no knowledge of the accounts. I refuse to keep sending in letter to be told that I am not my self even though I am sending in my License, social security card and a utility bill providing sufficient identity verification AND I have called numerous times in regards to not receiving update to the letters sent! I will not wait another XXXX days to hope a response/update will come.
Consumer complaint received 2020-07-28
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. (KY)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Consumer complaint received 2022-02-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CCS Financial Services, Inc. (IL)

Credit Collection Services to XXXX from my tax return when thy had been informed I am in the process of bankruptcy I had told them and gave them my attorneys number and asked them not to contact me in anyway and that they had to contact my attorney well they went and took part of my federal a refund and they didnt XXXX me so I think something should be done and my XXXX $ returned. Its not much but Im in the process of XXXX as wel and I have no income and just had XXXX XXXX XXXX. They shouldnt be able to get away with that! Thank you. They are located in XXXX XXXX
Consumer complaint received 2022-02-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (OK)

Hello, Santander was named in a multi state lawsuit for providing higher interest rates knowing the person couldn't pay the loan back! I am a victim of this and sueing Santander in another lawsuit related to this! Santander is taking advantage of people ; my car was repossessed because of this! I'm struggling financially because of this and its holding my credit back. That's against the law and I'm demanding Santander to be removed from my XXXX, XXXX and XXXX credit reports asap!
Consumer complaint received 2020-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I contacted Regions Bank ( XXXX XXXX ) to report unauthorized activity on my debit card. When I called them I spoke with a woman who tried to tell me I didn't have a valid claim because I had done business with XXXX in the past. I explained to her that I had done business with XXXX once before, in very early XXXX. That transaction was finalized and I have a receipt to prove that no other charges transpired from that. 

I told the banker that I had contacted XXXX and they couldn't verify who's charges those were. She still insisted on filing a merchant claim rather than an unauthorized claim. 

On XX/XX/XXXX I contacted the bank and spoke with an agent who informed me that my claim was closed because I failed to provide proof of receipt. However, this isn't true because I forwarded a copy of the XXXX receipt on XX/XX/XXXX. 

She then informed that there was nothing she could do despite me telling her I had over XXXX dollars in unauthorized charges. I asked to speak with a supervisor. 

The supervisor informed me that they'd have to re-open the claim with the " XXXX XXXX. '' After another week of waiting I've been told that they're unable to pay my claim without calling XXXX while on the phone with the agent. I'm also being told they can't change the claim type to a Visa unauthorized charge, even though the first banker made the mistake. 

Regions Bank is clearly violating Reg E and is doing whatever they can to avoid paying claims. This is not a positive experience for the bank, and I will be taking legal remedies if this isn't fixed soon.
Consumer complaint received 2022-02-18
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: EQUIFAX, INC. (NC)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the equifax data breach and have got into the hands of the wrong person
Consumer complaint received 2018-12-13
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. (FL)

DISCLAIMER : This is NOT A DUPLICATE. This complaint is in response to Experian 's response on a recent complaint. Please see attachment. Accounts they're stating are " reporting accurately '' are still ILLEGALLY REPORTING on my credit report. Experian didn't even do their own investigation into these ; they're literally taking the creditors ' words for it! Please tell me how an XXXX  account that not only reports CONCURRENTLY as " OPEN '' and " CLOSED '' but also -- as a collection -- reports a " PAST DUE '' ( with XXXX ) is 'reporting accurately '. AND, I show you proof of it! You're literally looking at the proof, yet you come back saying 'xyz XXXX is accurate??? Okay. Please tell me how 3 RE-AGED ACCOUNTS are " reporting accurately ''. Please tell me how all of the disputed accounts have different and often missing dates for " account open '', " account closed '', " date of last activity '', " date of last payment '' etc. is " reporting accurately ''! All of the disputed accounts STILL REMAIN in my credit report when they are supposed to be DELETED. They all contain incorrect, conflicting info and violations. These are all grounds for accounts to be deleted! On top of all of this, Experian actually ignored my disputes, which is ANOTHER violation. I demand that these accounts be deleted immediately from my credit report. My ID and SS card are included in the attachment.
Consumer complaint received 2019-03-23
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery collections agency keeps violating my consumer rights under the Fair Debt Collection Protection Act by sending me threatening letters and making repeated calls to me concerning an debt : Reference in their letter dated XX/XX/XXXX for an account number XXXX ( XXXX XXXX XXXX  ) that does not belong to me. The letter is in XXXX and reference a dateXX/XX/XXXX when the allege account went into collections.
Consumer complaint received 2018-05-03
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: TD BANK US HOLDING COMPANY (FL)

I lodged a dispute with the credit bureaus and TD Bank with the belief that not only is this not a valid debt but has also not been reported to my credit report in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/2017. My major concern is that if this account is to be reported at all it should be done so reflecting good history and a zero balance as it was an auto loan covered with GAP insurance with 84 months coverage in the event of loss.
Consumer complaint received 2018-07-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (CA)

On XX/XX/18 I signed up with XXXX XXXX auto pay option. I used the web site and agreed to the option to withdraw the total amount due. During the month of XXXX I made three payments ; the 2nd of {$550.00} the XXXX of {$300.00} and again on the XXXX of {$350.00}. I received an email stating that my XXXX payment as been met and that my next payment of {$460.00} was due on XX/XX/18. On XX/XX/XXXX auto pay attempted to withdraw the monthly payment of {$550.00} which caused a NSF charge on my account. I spoke to many customer service agents and they insisted that I signed up for the regular monthly amount and I should have read the fine print, but could not tell me here the fine print was or what it said.
Consumer complaint received 2018-07-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: REGIONS FINANCIAL CORPORATION (TX)

XX/XX/XXXX : We traded in a truck at XXXX XXXX. The dealership took possession of the truck and we drove away with new car leased from XXXX also made our first lease payment to XXXX that day. XXXX did not pay off the truck loan amount ( through Regions Bank for amount of {$33000.00} ) until XX/XX/XXXX ( 34  days late. ) This left a 30 day late mark on my credit score. I have never been late on any payments in my credit history and this incident dropped my score about 75 points. I have tried to dispute with XXXX and asked for forgiveness via phone and letter from Regions Bank to no avail multiple times. XXXX dealership will not return my calls.
Consumer complaint received 2022-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXXdays later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. XXXX XXXX, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person
Consumer complaint received 2021-02-12
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: EQUIFAX, INC. (OH)

Account : XXXX/XXXX  # XXXX I have never been late on this account. Please provide physical proof of late payment. Please method of verification of late payment on the account. I would like to know the steps involved.
Consumer complaint received 2021-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Account : XXXX/XXXX  # XXXX I have never been late on this account. Please provide physical proof of late payment. Please method of verification of late payment on the account. I would like to know the steps involved.
Consumer complaint received 2018-04-03
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. (TX)

on XX/XX/XXXX family moved from XXXX to XXXX. told XXXX XXXX  XXXX ( account number XXXX ) to turn my service off on XX/XX/XXXX. XXXX sent me a bill charge me until XX/XX/XXXX. so i mail them back and forward to solve problem. once i got the right bill i paid XXXX. wrote XXXX a check through XXXX XXXX check number # XXXX amount of {$140.00} on XX/XX/XXXX and XXXX cashed the check on XX/XX/XXXX. i have bank statement and check show i paid XXXX XXXX XXXX and that that cashed to check. on my credit report it show charge-off which is inaccurate information. credit reporting agency are to show accurate information.this need to be removed from my credit report or change to show late payment. equifax is the only credit reporting agency showing this inaccurate information and needs to be corrected.
Consumer complaint received 2018-04-16
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: General Motors Financial Company, Inc. (TN)

On XX/XX/XXXX I discovered that GM Financial was not sending updates concerning my on time payments. I only discovered it after calling them to dispute a late payment reported to the three major bureaus inXX/XX/XXXX. The company ( GM ) advise that it was a company wide issue that they switch systems and that they were making errors so not to get anyone credit incorrect, they elected not to report. However, it has been 4 months since they have submitted and update. I'm working to rebuild my credit and the last then sent is a late payment over 4 months ago. My loan is new so its driving down my points daily as it looks that I no longer have the loan and after 3 payments one was late! I demanded that they send an update to the bureaus and they stated they would. I demanded that they send a letter to me advising that the task is complete. I'm yet to received this letter. Please help to resolve this issue as my family and I am looking to purchase a home and this is hurting us.