davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

in accordance with the fair credit reporting act Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confindentially under 15 usc 1681 according to the 15 U.S.C 1681 section 602A I Have the right to privacy these adresses and names do not belond on my credit report Experian : XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXXXXXX XXXX XXXXXXXX ca XXXX XXXX : XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX
Consumer complaint received 2018-02-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (FL)

To whom it may concern I am writing you in regards of the vehicle at Wells Fargo repaired or on XX/XX/XXXX.. we have contacted Wells Fargo On numerous time Letting them know that XX/XX/XXXX we will be a little picking the vehicle up in pain it to please put it in the computer and contact the repo company.. We contacted Wells Fargo today XX/XX/XXXX To touch bases in to see where we send the money We called The repo company They informed that Wells Fargo has already came and got the truck and Is fixing to auction the truck off. I dont believe that theyre allowed to do that I believe is as consumers we have 30 days at least they came on my property to get it without any paperwork In the process of getting the truck they dragged the truck up the road and park Possibly missing the transmission and rear end that ... We would like to know where the truck is XXXX said we can go get the truck and pay.. that truck mean and very great do you to my My son bought that truck Four months before he got XXXX. And for Wells Fargo to do this to us knowingly we have been in contact with him throughout this process 11 days its been Not even giving us the opportunity to go get it when we tried to one of the ladies claims that its not even a record where we called in when we ask XXXX payment to the Im asking you please do not auction that vehicle off that Ive paid for it.. The vehicle is a XXXX XXXX XXXX XXXX XXXX XXXX the account number is XXXX
Consumer complaint received 2017-05-30
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Flagstar Bank, National Association (FL)

I have asked NYCB several times to report the correct mortgage account information to the credit agencies for myself and my wife to no avail. Our mortgage account has been opened and paid on time since  XXXX  and they report it as closed. I called them in  XXXX   XXXX  to make the request and they told me I had to send a LETTER via  usps. I un derstand that they need a record of all correspondence, but in this day and age, that is ridiculous! Even the IRS and FDIC has online request submissions. I digress.     I sent a letter on  XX/XX/XXXX  and received a letter from them a month later saying that it will be updated. Several months go by and no update on our credit reports. I sent another letter on  XX/XX/XXXX  and received a letter from them a month later saying that it will be updated. Waited a few more months  and one of the  credit agencies show the account as open for my wife but only shows the last few months of payment history - still no update on my credit report. I sent another letter on   XXXX   and received a letter from them a month later saying that it will be updated. Today, still no update on the credit reports!     I must say, again, this method of communication is 100 % ineffective. If I could talk to someone on the phone there is at least a remote possibility that I could speak to somebody that could at least explain the problem or maybe even fix it.     I sent another letter today, but am also filing an official complaint as this issue is negatively affecting our credit scores.
Consumer complaint received 2020-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX, I was notified that my credit limit had been abruptly reduced by approximately {$5000.00}. This was in spite of a long history of on-time payments with Citi and a relationship that dates back to XXXX. I also believe that this was a retaliatory act by Citi, as I had requested a one-month deferment of the minimum payment due on the card.
Consumer complaint received 2020-12-22
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. (PA)

XXXX XXXX XXXX is reporting me as an authorized user on this account which i have no knowledge of ... I have never to my knowlege been an authorized user on anyones caredit card ... ..i have tried multiple times to dispute this with the equifax as well as XXXX and it comes back verified ... see attached report they have not even added a comment saying the account is in dispute so how have they even conducted a proper investigation to come back and say its verified..the answer is they havent ... i demand that this be deleted immediately
Consumer complaint received 2020-12-22
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. (NC)

After reviewing my credit report, I've noticed accounts and inquiries that weren't authorized by me. I've received multiple calls in regards to these debts that were never initiated or even known by me.
Consumer complaint received 2019-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX, again 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX and 90 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2020-12-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I filed a claim with Bank of America on XX/XX/XXXX. {$260.00} was stolen from my account which is linked with my unemployment benefits. On XX/XX/XXXX I was told that the claim was closed. It was reopened that same day. A few days later I received a new card. I was also told to file a police report and fax it in. Wednesday this week I was told my claim was accepted and Id have my money back in 10-14 days. Yesterday I was told that the account was closed and I had to contact the sponsor to get my money back. My UI account is still active and it seems Bank of America is responsible for this issue and they refuse to take accountability
Consumer complaint received 2016-03-17
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: M&T BANK CORPORATION (NY)

Dear Sir or Madam, we are contacting you because we want to file a complaint with M & T bank out of XXXX, NY. M & T financed our XXXX XXXX, year 2013. The deal was lousy, a 15 year loan and that would be fraud. M & T took advantage of my sick and XXXX husband ( XXXX years old ). He is in poor health, has a terminal illness, XXXX besides other ailments. Please give him a call at your earliest convenience at XXXX. 
If we have to, we would be more then willing to also contact our local news station. Please advise us how we should proceed. We also have numerous other financial problems that would take to long to email. We appreciate you calling us back. My husband is housebound, he is always at home. 
Thank you A concerned wife our email : XXXXXXXXXXXX
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAINE & WEINER COMPANY, INC. (TX)

I have filed a dispute in regards to incorrect information on my credit report. It has been over 30 days and I haven't received a response
Consumer complaint received 2018-02-23
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (MI)

I leased a XXXX XXXX from GM financial on XX/XX/2016 from XXXX XXXX. In the lease documents, its states a total amount that I will pay for Official fees and taxes as {$790.00}. 
After reviewing my lease papers, GM financial charged me a total of {$210.00} taxes on capitalized cost reduction, title fee {$15.00}, license and registration fees {$100.00}, sales use tax of {$360.00}, and a disposition fee w/ tax of {$410.00} for a total of {$1100.00}. I was overcharged for fees and taxes on my lease by an amount of {$330.00}.
Consumer complaint received 2020-12-22
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. (PA)

i have submitted multiple investigation requests to verify and validate this debt with XXXXXX/XX/XXXXXXXX as well as all 3 credit bureaus and they say they completed and investigation and it is verified ... .how can they have conducted a full investigation if they are reporting inconsistent across all 3 bureaus? they didnt and that is a major violation of my rights..they are ruining my credit with the reporting of this inaccurate account,,, ,i am attaching a snip of my 3 bureau report ... ..there are too many to point out but look at thhe snip ... look at the 2 year history, this account has been re-aged, they are reporting a credit limit on a charged off account, the high credit is inconsistent, etc .... i need this removed immediately due to the lack of a proper investigation with all 4 parties i disputed to
Consumer complaint received 2019-06-28
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. (CA)

XXXX XXXX XXXX ACCOUNT NUMBER XXXX IS APPEARING ON MY EXPERIAN, XXXX   AND XXXX CREDIT REPORTS. 
XXXX XXXX XXXX IN RESPOMNDING TO THE CFPB ON XX/XX/2019, SAYS '' THE ACCOUNT IS NOT THEIRS '' AND IN THIS CASE SHOULD NOT BE REPORTING ON ALL OF MY CREDIT FILES.I HAVE ATTACHED XXXX XXXX XXXX XXXX RESPONSE TO THE CFPB IN COMPLAINT NUMBER XXXX. 
IN ADDITION, EXPERIAN 'S UPLOAD SYSTEM DOES NOT FUNCTION..AND EXPERIAN REFUSES TO RE-INVESTIGATE CALLING THE DISPUTE '' FRIVOLOUS ''.
Consumer complaint received 2018-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (MD)

Received a letter in the mail on XX/XX/XXXX stating I repay a debt to Citibank in the amount of {$1700.00}. I have never opened an account with Citibank and it is not on my credit report. Mailed a letter back to the company on XX/XX/XXXX along with my formal complaint to CFPB.
Consumer complaint received 2022-05-13
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: TD BANK US HOLDING COMPANY (CA)

Noticed an account was opened in my name on my credit report from XXXX XXXX XXXX. Was not me and a new inquiry from TD bank XXXX XXXX credit was not me.
Consumer complaint received 2020-12-20
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. (MS)

Ive disputed a Bankruptcy with the 3 Credit Bureaus ( TransUnion, XXXX, & XXXX ) with a series of 4 letters starting XX/XX/XXXX to XX/XX/XXXX and attached to the letter dated XX/XX/XXXX was the XXXX report dated XX/XX/XXXX showing NO Bankruptcy. All 3 Credit Bureaus ( TransUnion, XXXX, & XXXX ) are still currently stating they verified and are reporting a Bankruptcy that is not being reported by the third party company ( XXXX ) they state they utilize even after Ive submitted physical proof.
Consumer complaint received 2020-12-20
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. (LA)

I have contacted the credit reporting agencies and asked that this item be removed from my credit report because this item is not mine and reporting inaccurate and there has been no progress and has not been removed I have sent in a identity thief report and it has not been removed yet and this has caused serious damage to my credit report. 
can you please have this situations taken care of as soon as possible.
Consumer complaint received 2022-05-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pollack & Rosen, P.A. (FL)

This was paid off in a settlement through Pollack & Rosen for XXXX XXXX XXXX. I have a letter stating the account is paid in full. However, it is now XX/XX/2022 and XXXX has created a new account number for the {$2900.00} which was forgiven in the settlement, put it back on my credit report as being owed and reporting late payments. I have reached out to them multiple times and they say it is in the process of being closed but it is taking time. We believe they are stalling in hopes to collect the balance they agreed to forgive. We have disputed it on our credit report and XXXX came back verifying the information is correct and states it is still owed. We have had our lawyer contact the credit bureaus telling them to remove it off my report based on the letter stating paid in full. However the credit bureaus have listened to the debtor vs using the letter from there lawyer representation stating the account is paid in full. This refusal of XXXX to correct and honor their settlement has caused issue on my credit report and is a true violation of 15-U.S.C.A. Sec. 1681i. We can provide the documentation from all lawyers to show this account is paid in full and should be removed with no late payments reported. Since they notified the credit bureau when we disputed the account on our credit report they returned it to them as valid an still owed. This shows additional continuation of deceptive practices on their side. Our next step is to sue them with our lawyer charging them for the legal fees.
Consumer complaint received 2022-05-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I purchased a supposed patio set from someone on XXXX using XXXX on XX/XX/2022. The person used a fake profile under the name of XXXX XXXX. Offered patio furniture at a house that wasnt theirs. I asked for the money back and they blocked me and declined my request. Same scam used in XXXX. Contacted the police, FBI, XXXX, and my bank.
Consumer complaint received 2020-12-20
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. (MA)

On XX/XX/XXXX, I purchased a set of wheels from a seller on XXXX ( XXXX XXXX which also operates under the name XXXX XXXX, is located in XXXX, Pennsylvania ) who had me pay them through XXXX  instead of XXXX checkout. I know I was wrong to go through with it, but I had no idea that the merchant was a dishonest thief. 

The wheels were incorrectly advertised as having a 38mm offset and arrived with a 35mm offset. Getting him to issue return shipping labels was difficult, but he eventually did and I sent the wheels back. 

Getting my credit card charge of {$2300.00} refunded has been impossible. Citibank 's Billing Disputes Department took 3 months to find XXXX XXXX for the charge! I had them re-open the dispute, provided them with ALL necessary and requested evidence that proves beyond any doubt that the merchant has his merchandise back and still has my money. 

I also provided proof that I purchased the correct wheels from a different seller on XXXX. 

Nearly 3 more months later, Citi again closed the dispute stating that they are unable to force the merchant to credit a refund and are unable to continue the dispute because the time-frame has expired. 

I'm beside myself, as you can imagine. How does this happen? Just, how is it possible that Citibank is okay with a merchant stealing {$2300.00} from a customer?
Consumer complaint received 2019-09-19
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: TOYOTA MOTOR CREDIT CORPORATION (FL)

I was not agreed to lease the car, I trade a XXXX paid in full to purchase a new car XXXX but after the next day the finance Agent stated that I have a low score car dealership ( without no prove of it ) and no bank qualified me for a loan therefore, I have to lease the car with their company such is Lexus/Toyota financial services. It's fraud, why? the car was pick up cross off the street in pre-owned XXXX XXXX at XXXX XXXX, XXXX Florida to damage me intentionally. And, i believe my score was great for paying two cars loan successfully with the same bank. Lexus financial service refused to charged Lexus for the car loan or refund me my expensive, Toyota wanted to be responsible of the loan. It's unfair because I have rights. Florida recognizes two separate theories of recovery for damage occurring as a result of misrepresentation. One basis of recovery is for intentional misrepresentation ( technically, fraud is intentional ) and the other is for negligent misrepresentation. In other words, under Florida law, a party may be liable for misrepresenting a material fact even if the misrepresentation was a mistake, instead of intentional. Florida also seems to recognize a legal theory for " false information negligently supplied for the guidance of others, '' although it is unclear whether it is a claim that is truly separate and distinct from negligent misrepresentation. 
Under Florida Lemon Law Statutes. F.S.A. 686115. agreement is void and under Federal Trade Commission XXXX Fraudulent misrepresentation, it is a violation for Defendant or Defendant financial institution to tried to collect money or cause Plaintiff more damages in the credit report agencies to stop further credit availability. That will be a shame
Consumer complaint received 2021-11-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc. (CA)

CMRE was notified by letter almost a dozen times to provide substantiation for an alleged debt by my attorney. They failed to do so, yet suddenly added negative information to my credit report. I have tried calling them to no avail.
Consumer complaint received 2018-02-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (GA)

I currently have a refinanced loan with Quicken loans. In early XX/XX/XXXX I received a call from XXXX who only identified herself as a person with Quicken loans about my loan. She said XXXX had been trying to reach me about working on my credit rating. I said there was nothing that could be done about my credit rating because of my high medical bills out of pocket each month. She said that I should talk to XXXX that he had ways to help repair my credit. So I called and talked to XXXX and he said if I could get the two credit cards I have paid off that they would be able to remove the PMI from my loan. No one at this point every said it would be a new loan. All I was told was to get my credit rating up and they would remove PMI from my loan. I did as XXXX told me to do which was to sell off investments to pay off the cards. I understand now my credit rating is XXXX. This cost me about {$5000.00} in broker fees and money lost in money that would have been made had I left that money in the stocks and also monthly income that would have been earned. 
In the last week I have been getting calls from other Quicken loan officers about my new loan. I have never heard back from XXXX again. I found out today on XX/XX/XXXX that XXXX is a mortgage banker. I called today and spoke with XXXX he said now he never said he would remove my PMI that all he was doing was working with me to fix my credit which I have done so the PMI Would not be on my loan. Until today he had never told me that I would have to do a new loan and that the PMI could not just be removed. All he said he was doing was working to improve my credit so the PMI would not be on the now he stated new loan. This was the first time he used the words new loan. He gave me XXXX phone number and said I would have to discuss the terms of a new loan. I said I was not paying thounds of dollars for a closing and new appraisal of the house and witness fees and attorney fees to have XXXX dollars a month taken off my loan. I called and talked to XXXX XXXX Sevicing Resolution Specialist with Quicken loans who I had worked with before when I had problems with the last loan. He said I would have to talk to XXXX about terms of the new loan. That they could not just remove the PMI from my current loan until the 11 years were met or/and the life of the loan. I do have a call into XXXX.