davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TRUIST FINANCIAL CORPORATION (GA)

I received a notification from my employer on XX/XX/XXXX advising of garnishment based on a notification from XXXX XXXX XXXX ( XXXX XXXX XXXX ordered by one of the courts in Virginia. I relocated from the state in XXXX of that year and was unaware of this. This was a civil suit auto loan company where I returned the used vehicle in XXXX after spending more than approximately {$10000.00} in multiple repairs. It was a lemon, and it was not sustainable for my family and me to constantly pay someone to repair the vehicle. I needed something dependable and cost-effective. The garnishment comprised 30 % of my income. I am the sole provider and was also at that time. I was unable to pay my bills with limited income and was at risk of not paying my rent, utilities, etc. Additionally, I tried contacting the company numbers provided in the letter. I was advised by XXXX to contact the law firm. I called and left a couple of messages with the law firm but did not receive any returned phone calls. The garnishment continued until XX/XX/XXXX. 

Unfortunately, I received another court document by mail in late XXXX for XX/XX/XXXX, followed by an email the next week. The garnishment letter noted an effective date of XX/XX/XXXX with 25 % garnishment of my income for the same auto loan company for approximately an additional $ XXXX. The total amount to be awarded is nearly {$40000.00}, which is significantly greater than was owed in XXXX. This second garnishment puts me at risk of not being able to pay for housing, utilities, prescriptions, etc. I never received any communication from the auto loan before all of this. I have been living in another state for XXXX year. I need help and have attached documents per instructions.
Consumer complaint received 2020-10-23
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. (NV)

My wife and I both got our credit report about six months ago and there was multiple accounts and personal info on the report that do not belong to me and I didn't authorize. I filed a police report, an identity theft report, and disputed all info with the credit bureaus. My wife 's incorrect accounts and info was all removed from her report but not mine. We did not authorize these accounts neither one of us.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Like many Americans I was a victim of the XXXX data breach, I have already experienced several issues with my personal information being stolen. These accounts are still inaccurate, unverifiable, and unvalidated and need to be corrected or deleted immediately. Please also make sure these items are in Compliance. Also pursuant to 15 USC sections 1681d of the act please notify me when the items have been deleted. Also, send me documentation that was provided prior to the items being reported, that gives me right to opt-out of my information reporting to a non-affiliated third party.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Like many Americans I was a victim of the Equifax data breach, I have already experienced several issues with my personal information being stolen. These accounts are still inaccurate, unverifiable, and unvalidated and need to be corrected or deleted immediately. Please also make sure these items are in Compliance. Also pursuant to 15 USC sections 1681d of the act please notify me when the items have been deleted. Also, send me documentation that was provided prior to the items being reported, that gives me right to opt-out of my information reporting to a non-affiliated third party.
Consumer complaint received 2020-10-23
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. (NV)

I have multiple accounts on my credit report that do not belong to me. I filed a police report, an identity theft report, and disputed them with all the credit bureaus. Some have been removed but the bankruptcy, an account with XXXX XXXX XXXX, and an account with XXXX XXXX none of which belong to me.
Consumer complaint received 2021-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (FL)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY ()

I am a XXXX citizen with a Wells Fargo bank account. I used to own a vacation home which has been sold. I need access to the account to move money and see my bank statements. Wells Fargo introduced an additional layer of security which involves texting a code to a cell phone number. My cell phone number is XXXX, the software they have does not recognise my number. The result of this means I cannoytt see my bank statement nor can I use the account to transfer money. 

I have spent about 10 hours making calls to Wells Fargo and I have now been told that my account will be closed and unless I am able to come to the XXXX I will lose my money. As I am sure you are aware due to Covid restrictions I can not fly to the XXXX. I have attemped to make a formal complaint and thus far I have been ignored
Consumer complaint received 2021-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (DE)

I have been receiving correspondence from Jefferson Capital Systems LLC since XXXX of XXXX stating that I owe an alleged debt. My account information was sold to Jefferson Capital Systems LLC by XXXX XXXX. Which is a violation of my privacy rights. Despite the alleged debt is over 7 years old they are still making attempts to collect this alleged debt. On Tuesday XX/XX/XXXX I called Jefferson Capital Systems LLC at XXXX XXXX  eastern time. I spoke with an agent named XXXX and their agent ID is XXXX. I called to get the balance and account number and at the end of the call I ordered the agent to cease and desist all communication. The alleged debt that I owe is {$460.00}. They are in violation of 15USC 1692 F1 and 15USC 1692 F8
Consumer complaint received 2020-11-14
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: LEXISNEXIS (TX)

In 2017, I and XXXX made a conference call to Lexus Nexus to have information corrected on my report. XXXX XXXX XXXX filed a claim on my insurance intentionally and knowingly that I was not the own or had knowledge of the vehicle related to a hit and run. A name was given to XXXX as a relative being me and XXXX insurance agent decide to find my insurance policy and file it with my insurance. A fraud report was report to XXXX Police Department on the agent for file the fraud report and I contacted XXXX XXXX -Manager which, stated the false information was taken off my record and confirmed remove by XXXX XXXX However, XXXX  insurance failed to remove the information from Lexus Nexus which, is causing my rates to be tripled on comparison with other insurance companies. Lexus nexus never removed it from my record
Consumer complaint received 2018-12-04
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. (FL)

I checked my credit report due to the fact that I was trying to get a vehicle loan. And then there is an inquiry on there I do not recognize neither does the dealership that I bought from.
Consumer complaint received 2018-07-18
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2017, I paid on my XX/XX/XXXX payment. 

The payment was made on the phone and through automation, which has and keep my payment information. The payment was made on the XXXX and there is an audit log from XXXX XXXX that also verifies that I paid on the XXXX. 

XXXX XXXX the mortgage company was closed on XX/XX/XXXX and there was no prior notification of this fact. I called in twice and in order to pay I made it through the automation in which I have done since having the loan for 3 + Years without a late. 

After paying I also did not receive a confirmation via email that is done and also as proof of payment. 


XXXX XXXX was closed until XXXX the XXXX, or XXXX. They then processed my payment. 

They reported my payment 30 days late although I paid and have proof from XXXX XXXX, and also letters from them stating I paid on the XXXX, however, they continue to report me to the credit reporting agencies as late even after admitting they have knowledge that I paid on the XX/XX/XXXX ( please see attached documents ). I also demonstrated that I also had funds in the account. 

I am seeking relief from the CFPB to help resolve this issue as it is not a correct reporting. There are logs that show that I made the payment on the XXXX, the law does not stipulate it is when a company decides or available to process. As part of the fair credit reporting this is against the law and I am being treated unfairly and have taken a severe credit hit due to this issue that should have been resolved. 

I have disputed with the company multiple times and at the highest level and have been treated rudely and disrespectful in the process.
Consumer complaint received 2021-08-17
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: PLANET HOME LENDING, LLC (TX)

I am in the home buying process. I have asked numerous times for my credit report. The Leander XXXX XXXX NMLS ID # XXXX has given me every excuse to why he can not give me the information. I can not move forward unless i have another leander run my credit. He knows this and is being very unprofessional. I shouldnt have to work this hard to get my own information.
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

I AM VICTOM OF AN IDENTITY THEFT AN THE THE FOLLOWING ACCOUNT HAS BEEN OPENED WITHOUT MY CONSENT OR MY KNOWLEDGE, SOMEONE STOLE MY INFORMATION AND OPENED THE CREDIT CARD. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT. THANK YOU
Consumer complaint received 2020-12-08
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. (CA)

I am writing this due to non-compliance with the Credit Reporting Agencies ( XXXX, XXXX, and Equifax. ) They have failed to remove information that was affiliated with personal details that were challenged in the past. 

Consistently reporting erroneous items is a clear violation of the law. The negative items on my credit report can not be authenticated to be certified under testimony to be true and accurate. 

I strongly believe they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL (NE)

On XXXX of last year I initiated a balance transfer to cover my remaining balance in Paypal Credit ( Synchrony ) for {$2000.00} it was lost in the mail and had to file something with them and they provided me a temp deposit while they sorted it out. This check was canceled and resent as the first one appeared lost. XX/XX/XXXX I made an XXXX 24 month XXXX XXXXXXXX purchase of {$7400.00} at 0 % XX/XX/XXXX my original payment finally got deposited for {$2000.00} but Paypal used this to pay part of the Dec XXXX XXXX purchase and not the outstanding debt they still had a credit in for. I contacted the help chat several times here and was told they would escalate it several time and it would be fixed in 1-2 billing cycles. XX/XX/XXXX the remove the credit on the account leaving {$2000.00} and was adjusted to 0 % interest. XX/XX/XXXX there seems to be additional adjustments for some reason to pay off the interest free {$2000.00} and apply a new one with interest! Was told though this 1-2 billing cycles it would be fixed. XX/XX/XXXX I contacted them that there was interest and they informed me that it was older than 60 days and they can not help. they again told me they would try and escalate it and if they do anything it will show up in 1-2 billing cycles. I have done a lot with this company not just with Paypal Credit but my XXXX XXXX XXXX  my Lowes card and probably a few others. they helped me start my small business and I am sad they are not correcting such a large error the uploaded photos show. Please help rectify this mess so I just have my XXXX XXXX balance and adjust my interest on my account since it should not be there.
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX, I contacted Capital One about a payment plan for my card ending in XXXX. I was awarded enrollment in the XXXX XXXX XXXXXXXX and told I needed to make the agreed upon payment on $ XXXX by last day of the month to stay enrolled and avoid additional interest fees. I made a {$30.00} payment on XX/XX/XXXX. In XX/XX/XXXX, I received notification that my plan had been cancelled, my account had been closed and charged off, and that I was responsible for the full balance. I called Capital One and was told because an autopay on XX/XX/XXXX for {$130.00} failed that I was in default of the payment plan. I still had 20 days to make a payment, which I did. And it was the agreed upon amount set forth in the written XXXX XXXX XXXXXXXX that I received from Capital One dated XX/XX/XXXX. Not once was I told that if an automatic payment failed that I would be considered in default or that my account faced being closed or charged off.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect info for this account CAPITAL ONE Account # XXXX. Because accounts that are incorrectly reported by your company and XXXX, XXXX & XXXX are different, this means the account has not been properly verified. Please delete this account immediately
Consumer complaint received 2018-07-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (MI)

I have five visa debit gift cards that I am trying to find balances of and I am unable to do so at the website found on the card : XXXX  Each time I enter the card number, it indicates " One or more field values entered are incorrect. Please try again or call XXXX for assistance. '' This is happening for all five debit gift cards, to which I have called the phone number and the automated voice tells me that there is a problem and to try again at another time and disconnects. I am unable to talk to a customer representative and I am unable to find out the balances on the cards. Furthermore, a {$2.00} inactivity fee is deducted from the balance of the card after 12 consecutive months of inactivity. The name of the issuer : U.S. Bank National Association.
Consumer complaint received 2018-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (GA)

Due to an incident in XX/XX/2015 my credit has been tarnished ( please see my previous submitted cases ). 

One of the side effects was the reduction of the credit line from $ XXXX to {$500.00}. I previously opened a case which was denied due to this ongoing issue which is still an active investigation with multiple law enforcement groups. I was told that I would be eligible to request non-hard credit limit increases every 6 months. This past month I called to request a good customer increase and was told that the policy has changed, and this is no longer the case. I understood and do not want any additional hard checks on my account as I am trying to repair the damage due to the XX/XX/XXXX incident. I instead inquired how I could put my revised salary information on my account, given this card was initially opened in XX/XX/XXXX, likely the salary information is from that time frame. I was told there was no way to update my salary information on the account without a hard credit check, which surprises me. I tried multiple chat and phone representatives and even spoke to a Wells Fargo branch manager who actually recommended I submit this complaint since she in the past had similar issues. 

All I want is to update my salary information on my credit card so that in the event of an account review, the most current information is available to ensure the possibility that my limit is automatically increased without a hard credit check.
Consumer complaint received 2023-04-04
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: TRUIST FINANCIAL CORPORATION (MD)

I have opened a credit card with sun trust bank on XXXX XXXX since that time I set auto pay so all my payment come out from my bank account with XXXX XXXXXXXX ending XXXXXXXX since the i never had a problem with late payment until Truist Bank purchased Sun Trust on XXXX never once i was informed that my auto pay would not migrate to the new Truist bank despite their claims that that they have informed me of their error. on three occasions they called me about late payments that were shorter than 30 days interestingly enough i made the payment over the phone and they had my XXXX XXXX information I thought it was strange that they had my XXXX XXXX info but they didn't use it for auto pay. Fast forward to XX/XX/ I got a message while I was overseas tending to a XXXX father that I was late. At first i was perplexed why are not using auto pay, so when I came back to the state i contacted the bank immediately to resolve the issue so on XX/XX/ I spoke with XXXX XXXX XXXX and explain the situation. XXXX XXXX assured me that it was a bank error and she also refunded the late fees however, she did nothing to correct the problem with the credit agencies. On XXXX XXXX I contacted the bank again this time i spoke with XXXX XXXX XXXX who also insisted that it was a bank error but referred me to her supervisor XXXX XXXX, XXXX XXXX assured me that XXXX bank will fix the problem with the credit agencies still no correction in fact the credit agencies validated the debt wich caused my credit score to drop by XXXX point causing me to lose a mortgage i was refinancing. 
To add insult to injury today I received a letter from a XXXX XXXX XXXX apologizing for the " frustration '' that the bank merger caused oh yes ruining my credit was merely a frustration to XXXX XXXX. Frankly his letter was despicable to say the least. To say I am a disappointed with a respectable bank 's action its an understatement. Three different bank employees on three different occasions admitted to the mistake including XXXX XXXX second paragraph. I feel that my rights under the fair credit act as well as the care act were violated by Truist bank and I am requesting that they correct their mistake ASAP
Consumer complaint received 2024-03-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (FL)

I received emails from CBE group for a 2022 account from XXXX XXXX XXXX I had an account that was a group billing from my HOA. I paid the HOA for the majority and had a small monthly fee for an extra TV box. On Friday XX/XX/2022, from Tracking XXXX, I packaged up the TV box & modem and returned it to them. I refused any router service at the initial install as I have my own multi thousand enterprise routing system in my house. I packaged this all and sent to them upon the HOA terminating the contract with XXXX and moving to XXXX. Now years later I get this invalid bill. I call XXXX to tell them I dispute this bill and there is no balance. In fact I have the FedEx tracker. They didn't have any more information about this invalid bill. They continued to press for updated contact information and said I'd have to mail them proof I don't have a debt. It's quite the opposite. I advised them I'd go ahead and send the copy to the CFPB, but I would not be mailing any " proof '' to a third party for an invalid debt. I've advised them already there is no debt.
Consumer complaint received 2018-07-18
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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (MA)

XXXX XXXX XXXX shows the credit limit was {$550.00}, I show that the credit limit was {$400.00}. This is incorrect on the company 's part