davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-03
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: HANCOCK WHITNEY BANK (LA)

In XX/XX/2018, Hancock XXXX XXXX ( via XXXX XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.
Consumer complaint received 2018-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2018, my checking account balance was {$330.00}. I then made a purchase for {$240.00}, leaving a balance of {$89.00}. The next day Wells Fargo charged me a {$35.00} overdraft fee for my transaction of {$240.00}, even though there was {$89.00} still in my account!! Wells Fargo only partially refunded my overdraft fee.
Consumer complaint received 2022-03-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I sent a international money transfer from my XXXX bank  to my XXXX Bank account and it was promised to be done within minutes. On XX/XX/2022. Once I realized that I did not receive it on XX/XX/2022 I requested a refund which till this day I have not received XX/XX/2022.
Consumer complaint received 2019-04-04
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: DriveTime (OH)

Fraudulent Drivetime car sales and XXXX lending Hello, In XXXX of XXXX my husband and I purchased a car from Drivetime. They set us up with a payment plan/loan with a lending company called XXXX. 

Drivetime XXXX XXXX XXXX XXXX, Ohio XXXX # XXXX-XXXX-XXXX / XXXX XXXX and XXXX XXXX On XXXX we set up XXXX as a payee to our account and we sent our FIRST PAYMENT payment on XX/XX/XXXX. However, XXXX was not a recognized entity so a check was send via snail mail. Our banking institution, XXXX XXXX, XXXX, Ohio, verified all of this. A check, indeed had cleared on XX/XX/XXXX but was never processed by XXXX unbeknownst to us? This was our 1st payment. 

XXXX, XXXX Az, I have only an online link. 

On XX/XX/XXXX at XXXX XXXX in the morning and without any warning a tow truck showed up in our driveway. The " gentleman '' who was hooking up our car simply said we had not made payment ... We knew we had, we got to our records in the 15 minutes it took for him to hook up our car, but he refused our records. And, well, we felt threatened, scared is a better word. 

Towing company, XXXX XXXX # XXXX-XXXX-XXXX  Luckily we are in good financial standing. XXXX gave us the run around. The next day we went to our main banking institution for advice. They called XXXX and the person on the phone told the banker and my husband we had 2 options, Pay the full amount or buy the car back at auction. YES, they said to BUY the car back at auction. In the meantime our car was mysteriously sent back to the Drivetime car lot? 

As I said, we are in good financial standing and with the help of XXXX XXXX we were able to pay the car in full. However, XXXX and Drivetime said it would take 14 days to process even though our banker told them directly that the check would be emailed immediately and notarized. But why was our car already back at the Drivetime lot? Just 24 hours after it had been towed? 

After we made payment we took the paper work to the Drivetime dealership directly. We called the XXXX police and they accompanied my husband. I found the car in the lot, license plates already removed. A long story short, they released the car to us and the title was sent in the next seven working days. 

We want to report Drivetime and XXXX as fraudulent companies. What if we did not have the means? What if we were a single mother? Poor ... we do not want to see this happen to anyone else, we were scammed and lucky for us could work through it. 

We have written several letters over the last year and then I came upon your sight. And have great faith you can help. 

If anything additional is needed, I am happy to provide. Many thanks for all you do
Consumer complaint received 2022-09-16
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: EQUIFAX, INC. (NY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

transunion said they would take care of problem if i identify which ones im having problem with XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( XXXX and travel ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Retailer ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX Retailer ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX this is list of problems i asked you to provide proof i was offered a card for each one thanks
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: First Advantage LNS Inc. (TX)

NATIONAL CREDIT AUDIT CO Collection Account {$2800.00} This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XXXX XXXX XXXX NATIONAL CREDIT AUDIT CO, You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action.I have not given you written permission to put anything on my credit profile 15 USC 1681b2.You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.I refuse to pay this alleged debt. Cease and Desist all collections activity AND DELETE FROM MY CONSUMER REPORT! YOU HAVE 10 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under 15 USC 1681n, 15 USC 1681o and 15 USC 1692k.DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES.
Consumer complaint received 2022-09-16
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

There was an issue with a check that I deposited from another account. Today I called as my checking was placed on hold. I was told by the perks that the account was now closed but they refused to provide details saying they will not explain why.
Consumer complaint received 2022-03-05
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: Early Warning Services, LLC (NY)

EARLY WARNING SERVICES HAS INCORRECT INFORMATION ON MY CONSUMER REPORT. IT NEEDS TO BE REMOVED. THERE ARE SEVERAL ACCOUNTS I NEVER OPENED. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX OPENED ON XX/XX/XXXX XXXX XXXX XXXX OPENED ON XX/XX/XXXX XXXX XXXX  OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX
Consumer complaint received 2021-12-09
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. (TX)

My name is XXXX XXXX, XXXX # XXXX. I sent you a letter on XX/XX/2021 and I was expecting to get an answer from you but to this date, over 30 days have passed, I still havent heard back from you. Someone told me to go to this website to follow up attaching the copy of the very same letter I sent you. I heard that it is a violation to ignore a dispute letter so I hope you wont delay this matter any further. I need this inaccurate and misleading information cleared off. I am fully aware of what I have on my report and what I should not have and the information I listed on my report are all mistakes, My information was also affected by the Equifax data breach so please investigate this matter immediately!
Consumer complaint received 2020-07-30
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$2700.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$1200.00}
Consumer complaint received 2019-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One offers a free credit FICO score service.  Capital one refers to this product as XXXX.  I have not been able to get my FICO score with this product.  I have reported the issue to Capital One and their staff cannot resolve the issue.  Capital One has had over two weeks to fix the issue and it is still not working.
Consumer complaint received 2019-04-04
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. (WV)

I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I am filing an complaint due to I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance XXXX XXXX XXXX INDUSTRY : MAIL ORDER HOUSES Inquiry Date XXXX/XXXX/XXXX XXXX XXXX INDUSTRY : MAIL ORDER HOUSES Inquiry Date XX/XX/XXXX XXXX XXXX INDUSTRY : BANKS Inquiry Date XX/XX/XXXX XXXX XXXX XXXX INDUSTRY : AUTOMOTIVE Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  INDUSTRY : AUTOMOTIVE Inquiry Date XX/XX/XXXX XXXX INDUSTRY : FINANCE / PERSONAL Inquiry Date XX/XX/XXXX XXXX XXXX INDUSTRY : FINANCE / PERSONAL Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  INDUSTRY : AUTOMOTIVE Inquiry Date XX/XX/XXXX XXXX  XXXX INDUSTRY : BANKS Inquiry Date XX/XX/XXXX XXXX XXXX   INDUSTRY : FINANCE / PERSONAL Inquiry Date XX/XX/XXXX XXXX XXXX   INDUSTRY : FINANCE / PERSONAL Inquiry Date XX/XX/XXXX XXXX XXXX XXXX   INDUSTRY : AUTOMOTIVE Inquiry Date XX/XX/XXXX
Consumer complaint received 2022-09-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One gave me a settlement offer in the amount of XXXX that was paid on XXXX/XXXX/22. This account is reporting negatively from all 3 bureaus. I want this removed from all 3 credit bureaus. XXXX, XXXX and XXXX.
Consumer complaint received 2022-09-16
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Date Opened XXXX XXXX, 2017 XXXX {$100.00}
Consumer complaint received 2015-04-11
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (MN)

Target corp has acted in an unfair, hostile and predatory fashion : Post divorce I agreed to make payments on our joint Target account. My ex then closed it. I entered into a payment arrangement allowing Target to withdraw $ 100 monthly from my account ( they insisted they had to withdraw-I could not be in charge of sending it ). Last summer, while unemployed, I called and requested a forebearance, but they refused. A few months later they stopped taking my payments, which I did n't even notice. after about 90 days their collection folks contacted me. I told them they were mistaken-as we had an arrangement. I was then told that they had inexplicably stopped taking payments-and needed me to reauthorize them. I agreed to contact my bank and begin SENDING monthly payments-rather than giving the the opportunity to drop the ball yet again. I did, and payments have been made evry month-however Target continues to report me late-which almost caused job issues when I became re-employed, and which PREVENTED me from purchasing my vehicle at lease end-as-according to the finance manager-the only new negative since my lease began was Target-they had dropped my score more than XXXX points! As well-I was able to secure a new lease based on my perfect lease payment history-but due to the score impact my payment went up nearly $ XXXX. When I have contacted Target-they have unsympathetically basically told me to pound sand. The only reason I keep paying them rather than letting their account go is because is because I feel it 's the right thing-but I am tempted to default-since they trashed my credit anyway-due to THEIR ERROR-nothing that I did. I want them to retract any negative late pay reporting-since they caused/instigated it ....
Consumer complaint received 2019-04-04
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. (GA)

There is another item that popped up on my credit bureau that does not belong to me. I have not used my name or social on any accounts before. There should not be anything reporting on my credit report. I want to have this item removed. It is from a company called XXXX XXXX and original company XXXX XXXX. I found the info on my XXXX XXXX report last week.
Consumer complaint received 2022-09-16
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2015 Balance {$0.00}
Consumer complaint received 2018-03-31
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXXi called the Wells Fargo Dealer services who holds my auto loan to explain my hardship. I explained that i would have the payment in a few days. I was told that it was fine and they would make a note. On XX/XX/XXXX i was called by Wells Fargo Dealer services about my late payment due. I explained to the lady by the name of XXXX XXXX or something like that. I was told by XXXX XXXX that she was attempting to collect a debt, i responded that i was aware of this issue and i would have the payment in by the following Tuesday or Wednesday. She explained to me that they did not accept mail in payments, i responded to her that i did not say i was mailing in a payment. This was repeated about 4 times as if she didn't hear anything i said. Finally i thought we were finished after i told her when i received my direct deposit i would go online and make the payment on their website. We hung up the conversation. A few days later i checked my account to see if i had gotten my deposit and noticed that i was overdraft over {$500.00}. I called the bank and reported unauthorized debit. The bank took the complaint and refunded the over draft. I called Wells Fargo Dealer services about this and requested to speak to a supervisor about this criminal act. The supervisor listened to the recording and admitted that i never gave any permission for this action. He asked me what i wanted in the way of a solution. My response was to him that at this time i was so angry that i didn't think it wise to make any decision at this time. I explained to him that i felt violated and assaulted. He proceeded to apologize for this act. However it was of no use to me. After taking a few days to determine my what action i should take i received another call from them. I asked that they would please not call my cell anymore as i am still stressed over the first incident. They literally violated my privacy and much more. I made the payment which was {$490.00} the original due was {$460.00}, today XX/XX/XXXX, I got another call about the next payment and now they are charging {$460.00} plus another {$83.00} for being 13 days past due. Why are they charging more this time than before? I wish to file federal charges against them but i do not know how. Could someone help please.
Consumer complaint received 2015-11-12
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (NY)

Twice I, a New York state citizen and resident, have attempted to make a purchase at a XXXX website called XXXX XXXX, and though the sum was not large, about {$400.00}, my bank, JP Morgan Chase, at least the first time and possibly the second, blocked the transaction, which in effect killed the transaction, as XXXX XXXX was apparently not informed by the bank that I had confirmed the legitimacy of the transaction. In any event, their software eliminates the billing information I provided as the result of the interdiction. Certainly Chase has a right and an interest in combating fraud. But I am troubled by the idea that a given transaction, simply because it is international, is assumed to be fraudulent and denied, and only then investigated. I daresay that many XXXX of dollars a day in such transactions are thwarted by this policy and practice, which is probably not limited to Chase. I had thought our government, via various treaties, etc., was committed to free trade. I myself have had to go to great lengths to get the order reinstated, and it remains to be seen whether it goes through. I would also mention that Chase 's recorded confirming call arrived at XXXX awakening me, a retired person. I believe such calls should be confined to standard working hours.