davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-18
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: WELLS FARGO & COMPANY (VA)

I have been disputing an account XXXXWells Fargo that XXXX as on my credit report. This account does not belong to me. Ive requested for the last two years that XXXX send me proof that this is my debt but they still have not done so. XXXX XXXX does not handle my student loans. Ive spoken to a representative at XXXX/Wells Fargo which is now known as XXXX XXXX that informed me that I do not have an account with them. So which company is XXXX reaching out to, to attain there verification of this debt? According to the Fair credit report act, credit bureaus are to provide proof when a debt is listed as verified and XXXX as failed to do so.
Consumer complaint received 2018-03-06
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: Bennett Law PLLC (CA)

I was contacted by a service and instructed to call XXXX XXXX XXXX about pending legal action. When I called, I was informed that I had been sent a letter about an old debt, and how would I like to handle the situation. As I had not received any letter, I was not aware as to what the law firm was talking about. They referenced a debt that was from a XXXX XXXX credit card, that I no longer have and is nowXXXX  years old. I was told that I would have to work out a payment plan or pay full amount. If I failed to act, legal proceedings would begin in XXXX XXXX, CO. 
The acct number on the letter they sent was not fully correct. This debt also does not, and has not shown up on any credit reporting check. The only place it showed up was from a credit check that was performed over 10 years ago, and showed as closed. 

I contacted XXXX to determine what the status of the debt was. The acct in question was closed in XX/XX/XXXX and the debt transferred to a company called XXXX. This debt was then later transferred in XX/XX/XXXX to a company called XXXX XXXX. XXXX is no longer in business. XXXX XXXX XXXX was only opened in XX/XX/XXXX. 
I have had the same email and cell phone number since XX/XX/XXXX, and have never been contacted about this until XX/XX/XXXX.
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NH)

I noticed on my credit report my American Express card was closed. I had a {$25000.00} credit limit with them, the highest of all my cards, so I noticed because my available credit being much lower than normal. This is how I was alerted my card was closed. I contacted American Express last week and was told it was closed to do inactivity. I get it, i hadn't used it in quite some time, but they didn't give me any warning. The guy I spoke with say they could reinstate my card because that it wasn't closed because of anything i did wrong. He said they would send me a new card in the mail. Since, my score has dropped a little ( XXXX now, was above XXXX ). I got a letter in the mail saying they couldn't reinstate my card because my credit score dropped. Again, it dropped because of THEM. I was just hoping they would open my card and my life would go back to normal. I tried reaching out to someone last night and they said i had to call account services today. I talked to three different people, kept being told i was at the wrong department until i got a woman who said i was sent a letter XX/XX/XXXX via my email that they were closing my account due to my credit score! I don't have this email in my records. She patched me over to a guy who said it wasn't an email, but a letter mailed out XX/XX/XXXX that says they're closing my account due to my score. That isn't what happened. XX/XX/XXXX was the letter i received that they couldn't reinstate my account -- not that they were closing my account. I asked him why they would just up and close my account and they said they could do that at any point to anyone. I asked what would have happened if i had a balance and he said they reserve the right to close the account at any time making the complete balance due at that time. THIS IS INSANE. I can not believe they would do such a thing to their consumers. I have never missed a payment with them! I can't believe now, more than ever during a pandemic that they would do this! I am speechless. I don't even want my card reinstated, i will never do business with them again.
Consumer complaint received 2020-04-29
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. (MT)

I don't have a XXXX XXXX. How can they show on my credit report as a creditor without my knowledge? I didn't sign up with them people. I sent all the stuff to them to show them and they still are showing on my credit.
Consumer complaint received 2020-06-30
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. (TN)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items 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. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX, US DEPT OF EDXXXX Company Inquiries : XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-29
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. (WA)

Transunion is reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This account report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-04-29
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. (TX)

I AM A VICTIM OF IDENTITY THEFT SOMEONE USED MY PERSONAL INFORMATION TO OBTAIN AN APARTMENT. I HAVE PROVIDED EQUIFAX WITH MY POLICE REPORT AND ID THEFT REPORT, XXXX  AND XXXX  HAS ALREADY REMOVED THE FRAUDULENT ACCOUNT. EQUIFAX HAS NOT. 

XXXX XXXX AT XXXX XXXX XXXX XXXX  OPENED : XX/XX/2015 AMT. XXXX
Consumer complaint received 2020-07-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

On XX/XX/2020 I made a payment in excess of what I owed on my vehicle loan. The payment was for {$620.00}. For whatever reason, the payment was not applied to my account, I contacted the company immediately, but they have a procrastinated, terrible, and antiquated way of communicating. 

On XX/XX/XXXX, I spoke to one of their CAT agents, who was supposed to resolve the billing issue, ensure no back interest, late charges, etc. 
I was advised it would be resolved within 24-48 hours. It never was. 

Ive been communicating to Hyundai via their XXXX attempting to engage someone in their executive leadership team, because this practice is violating federal and state laws governing Fair Debt Collection practices. And this is an egregious example of such, I had to instruct the collections Dept. of this company to suppress credit reporting, or Ill initiate an immediate lawsuit for violating the above rights I hold as a consumer, and for violating my vehicle contract. 

I have since made multiple efforts, multiple emails, multiple calls, and multiple messages to their corporate twitter. 

In all instances the matter continues, is exacerbated by them telling me Im delinquent or routing me to their internal collections team, then telling me their trying to collect upon a debt I do NOT owe them. 

This is not only illegal, its despicable. 
The company agent advised me that their was an internal billing system change/update, which caused this problem not just for myself but for countless customers. 

Hyundai took NO action to notify customers affected, nor did they attempt to inform customers that they would take proactive actions to mitigate inappropriate, and or unlawful collection calls or attempts, especially for debts that are not in a collectible state. 

As of today XX/XX/2020, their rude customer service agents still have not resolved this issue. 

I will NOT be making any payments to my account, until this issue is resolved, and if Im charged late fees, or added interest beyond my normal due date, that will not be remitted to this company. 

Ive been speaking to your agents whom are paid by your consumers, such as myself, and this issue is unacceptable, likely illegal, and will not be tolerated by this consumer any longer.
Consumer complaint received 2018-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Despite four written requests, the unverified items listed below remains on my credit report in violation of Federal Law. Transunion is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, Transunion stated in writing that the account verified that the items are being reported correctly? I received no written verification of who verified these accounts? Transunion did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Transunion also have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). As such under Section 611 ( 5 ) ( A ) of the FCRA Transunion is required to promptly DELETE all information which can not be verified. yet they have not.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

My Capital One card Visa had a {$50.00} fee charged for reissuance of two tickets from XXXX at the request of XXXX XXXX when my husband made telephone inquiry. When I tried to dispute the pending charge at Capital One I was told I can not dispute a pending charge by automated answer. 

Next XXXX answered differently after my objection and stated it was from their contract ( one sentence buried in terms and conditions at the end ) .which only arrived with the tickets. Surprisingly, changes in two flights for two people by XXXX XXXX earlier did not bear these up to {$75.00} per person charges. These changes are for even a few minutes I find now from the web. I contacted Capital One today XX/XX/2023 and a man told me I agreed to the charges and could not dispute them. It took him possibly 60 seconds or less to conclude this by contacting XXXX. Capital One heard none of my facts. 

I believe that XXXX is running a scam and possibly targeting XXXX XXXX since it has so many XXXX customers who are more language challenged in some cases. I was not permitted to explain the facts I have mentioned here to Capital One ; Capital One being a major card for the promotion of travel with cash back for travel and favorable overseas purchasing terms might have listened to these facts and asked a few questions. Aggressive emails saying you face risks with your tickets if you do not reconfirm for a change of a few minutes are used to manipulate the customer into these exorbitant and unnecessary charges. 

I wanted Capital One to get me a new credit card number and I would even have paid my bill to get a new number to protect myself from this vendor. Capital One said that I could not get a new number because this is not fraud. I believe that there is a lot of intentional deceit of the customer in pressuring them to reconfirm an airline ticket for a few minutes ' change in a schedule.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (AZ)

I opened an account with Lowes online. They sent card to wrong address. I called them after 10 days because I had not received card. They told me it had been activated and had XXXX  dollars worth of charges on it. I explained to them that I never received card. They told me they would take care of it and sent me new card. I called back when I received new card. Charges were still on my account and no one knew anything about it. So I again went thru the process of filing about fraudulent claims. They refuse to give me confirmation number or email. I have not received anything in mail about it. Charges are still on my account. 

I had not even activated account when these fraudulent charges happened. So I dont have anything to upload.
Consumer complaint received 2020-04-29
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$75.00} XXXX  XXXX {$250.00} XXXX XXXX XXXX {$360.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2020-04-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACQ Holdings, LLC. (WI)

Contacted the company today on XX/XX/XXXX at XXXX central time. Spoke to a guy named XXXX   that was rude and told me he was director of operations. In addition I have a payment set for Friday the XX/XX/XXXX via debit card. I called and asked if I could make my payment early today. He said I could make a payment but that the payment on the XX/XX/XXXX will still process. I stated I wanted the payment to apply today so that it would save me two days interest. He said you arent saving much and stop talking to me Like you know the laws. I know the laws and regulations and we are required to still Process a payment on the XX/XX/XXXX ( untrue ) so all I could do was keep it. This is miS handling of my account and I feel charging me fees that I shouldnt be charged for 2 days. Please help!!! My account number is XXXX
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (TX)

I paid off in full an account, XXXX XXXX, that was past due. I have received a letter from XXXX that it is paid in full yet they wont submit to credit agencies. And when I disputed it twice now, they claim its still unpaid even though I have a letter that says otherwise.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I made a phone call to Transunion customer service first regarding a collection account still showing on my account that was paid off, they put a dispute in & werent really much help. 

Also during the call I requested that inquiries that were added back to my report be removed & the representative asked me to dispute the information again. Ive been disputing this for months & Transunion hasnt removed a thing from my report. Its almost as if they want to keep me in a cycle of bad credit. Here is a list of the inquiries I need removed 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 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-29
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX   XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$75.00} XXXX   XXXX {$250.00} XXXX XXXX XXXX {$360.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2018-06-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (OR)

XXXX never told me about the Public Service Loan Forgiveness Program. I am a XXXX   and would have been eligible to pay off my student loans in XX/XX/XXXX. In XX/XX/XXXX of last year I would have had 10 years of payments. Instead XXXX kept advising me to put my loan into forbearance. In XX/XX/XXXX I worked with a private company to reduce my loans. They helped sign me up for the income based repayment plan and to consolidate my loans to reduce payment ( I could have done this ALL through XXXX if they had informed me of these programs ). I was told by the private company to keep paying on my loans and that I could apply for the student loan forgiveness program in XX/XX/XXXX when payments would equal the 10 years of repayment-they were the ones that told me about this program NOT XXXX!!! When I applied in XX/XX/XXXX for this forgiveness, I was told that I didn't qualify because my loan was now considered a " new loan '' ( because I had consolidated them in XX/XX/XXXX ) and that I would have to continue to make payments for ANOTHER 8 YEARS!!! My loans are currently being serviced by " XXXX XXXX '' and they also have informed me of my " new loan '' status. This has created a terrible hardship for my family and I. A loan that should have been forgiven last year won't be forgiven for another 7 years because of XXXX not informing me of these federal programs and steering me into the wrong direction. Pleas help me to know what to do. Can this be reversed? Can they be forgiven because of the withholding of information? I have XXXX for 15 years as a XXXX XXXX, worked hard to provide for my family and am being punished for lack of customer support and help ... Please let me know. Thanks so much for your time.
Consumer complaint received 2020-04-29
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. (FL)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.