davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (WA)

My transmission needed repair in XX/XX/XXXX and the cost was {$3200.00}. I needed financing for {$1500.00}, and XXXX approved me through the transmission repair company ( XXXX XXXX XXXX XXXX in XXXX ). My payments were set to be {$280.00} which I said I could not afford, and XXXX verbally told me they would work with me after I made a successful payment. My husband then lost his job, and when I called XXXX they would not negotiate and I could not make my payments. In XX/XX/XXXX XXXX emailed me with a one time offer of reducing my payments to {$150.00}. I called and accepted. Although my husband still has not returned to work, I have been saving my money to pay off this debt. I called XXXX today, and was shocked to learn that the {$150.00} payments I have been consistently making, have not even touched the principal balance. Even worse, the payoff balance is {$2000.00}. I offered to settle, and the customer service rep told me to " make an offer ''. I offered {$1400.00} and that was rejected with their counter-offer of {$1700.00} which I do not have. I have paid {$1700.00} in financing fees since last XX/XX/XXXX and I want to get rid of this debt. Attachments are included. This simply can not be legal. Thank you for any help.
Consumer complaint received 2020-05-20
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: Experian Information Solutions Inc. (TX)

I recently look at my credit report and noticed somethings that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXXand never heard anything back. So I sent a 30 day comply on XX/XX/XXXXand I've yet to get any feedback on my investigation.
Consumer complaint received 2020-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently look at my credit report and noticed somethings that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXXand never heard anything back. So I sent a 30 day comply on XX/XX/XXXXand I've yet to get any feedback on my investigation.
Consumer complaint received 2021-08-11
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: EQUIFAX, INC. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (OH)

On XX/XX/XXXX, I noticed Wells Fargo had a promotion on opening up and funding a checking account. ( A screen shot of that promotion is attached. ) I opened up the account on XXXX and received several emails stating the account was opened. The promotion required a total of {$4000.00} in direct deposits to post to the account within 90 days in order to qualify for a {$400.00} bonus. Over the next 90 days, I had {$11000.00} deposited into the account via ACH from my employer. The {$4000.00} was met within the first 30 days. With the 90 days coming close, I called the bank and spoke to a representative named XXXX on XX/XX/XXXX. She confirmed that I met the requirements and was unsure why the bonus was not paid. She recommended calling back after the 90 days and request the completion of a form that addresses these issues. I called back on XXXX and spoke with XXXX, who again confirmed I met the requirements and did not understand why the bonus was not paid. He opened up the inquiry XXXX and said to call back in 10 days if I had not received the bonus. Fourteen days later, on XX/XX/XXXX, I called and spoke to a 3rd representative. This person put me on hold for a long period of time and came back with a nonsensical explanation. She said the promotion had been extended through XX/XX/XXXX and I needed to call back after that date to check on the bonus. While that is a good idea to help others meet the promotion requirements, I have never heard of a promotion not paying out existing customers for meeting the requirements. I decided to do some investigation on my own to see if there are any stories about other clients getting the blow-off. I was able to find numerous new Wells Fargo clients who got there bonuses at around the 90 day mark for accounts that were opened slightly before and some time after I opened my account. Therefore, the obvious answer is that Wells Fargo is just wanting me to stop calling for another 100 days as nobody can determine why the {$400.00} bonus is not being paid even though I met all the requirements.
Consumer complaint received 2020-01-21
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have a hard inquiry on XX/XX/XXXX and XXXX from the same company. I never gave this company permission to do anything. I never talked to them or signed anything. Im asking for the company to remove both hard inquiry from my credit report.
Consumer complaint received 2020-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (TX)

Barclay Card received and processed an online payment from my bank on XX/XX/2019 where I mistakenly included an incorrect account number. Over the past 10 months I have provided documents from my bank stating that Barclay received the {$1300.00} payment but they can not locate it. I have placed 44 outbound calls to Barclay in hopes of resolving. I have initiated at least 5 cases with their " settlements team '' in hopes of them  locating and applying the payment to my account. On XX/XX/XXXX, I was advised to submit a letter to the Office of the President via mail and fax and I did that via both transmission methods. My credit report is showing as delinquent and last week I received a notification that the balance is now subject to charge-off. 

I have provided Barclay copies of my bank record, proof of payment from my bank ( XXXX ), my call log, and a screen shot of the delinquency notice supporting my dispute. Please investigate this this matter and assist me in correcting as soon as possible. 

Many thanks, XXXX XXXX XXXX
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Equifax continues to report a derogatory account from XXXX XXXX on my credit report even though the account has been paid and closed a year ago, I have sent them certified letters and have called them and yet it continues to be reported as delinquent which is hurting my ability at my job and receiving credit. XXXX  and XXXX  has already reported the account as paid and closed.
Consumer complaint received 2021-09-15
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021.
Consumer complaint received 2017-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions. (TX)

I had received a phone call in XX/XX/XXXX regarding debt with XXXX from FBCS Inc. I told them I did not have an account with XXXX and then received a letter in the mail from XX/XX/XXXX. The letter states I owe XXXX to XXXX. I lived in a rent house and the landlord/property owner had an account with XXXX for our home security. This was not my account, I did not agree to a contract and have never made a payment for this service.
Consumer complaint received 2022-09-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CATHAY BANK (CA)

I received credit alert from XXXX for attempted installment loan inquiry by Cathay BankXXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX twice. I contacted to Cathay bank for stop inquiring the loan because I have not apply them. Cathay bank did not respond my e-mail for a month and didn't do anything. I have to place a lock my credit to XXXX by myself. Finally, agent from Cathay bank called me to identify me. It seems like another individual was trying to get a loan by using my false Id. Be aware of this id theft. It happend me three time already.
Consumer complaint received 2021-04-27
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXXXXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXXXXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX SXXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2020-09-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (FL)

I was XXXX  and on XXXX, making the payments late, but still making the payments. The repo man jumped into my car while it was running with no identification, no badge, no uniform, a plain black t  shirt and jeans and took off with my vehicle. When my fianc caught up with the car the tried to find out what was going on and tried to get the car back. The repo man tried to get my fianc to hit him and got in his face, when the altercation got heated he stated he was the repo man. No one was ever harmed or touched. I called gm financial to give them all the late payments and whatever fees were needed to get my car back and they told me I had to pay the car loan in full in order to get the car because the repo man was hit. I explained to many people that no one was harmed and the way the repo took place was unprofessional and unsafe. The had me paying {$25.00} a month for 6 months but soon just stopped contacting me. I went online and my balance said XXXX dollars. Now I see it on my credit as closed.
Consumer complaint received 2021-07-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (CA)

On XXXX XX/XX/2021, I got a letter from Fraud investigation department : we are writing to inform you that we completed the investigation on your Macys American Express card account. As a result, we removed the disputed charges and any related fees and interest charges from your account. 
But until today they keep sending to me the debt up to {$1000.00} I did call them, they said they dont know about any letter that I told them, on XXXX and XXXX XXXX they investigated again, and I have to pay the balance I sent them that letter, but nobody take care my case, I call them more than 20 times, everytime it took me 3 hours for them to transfer my phone calls around departments, one day a man told me : he will clear my debt, but now the debt still there I did talk to a lot of people when I called in, finally no one help me out Today, one man told me, the letter I have, it s long time ago, no value, I have to pay the debt, Im so stressed
Consumer complaint received 2020-11-12
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. (GA)

For the past 5 months I have been trying to get Method of Verification for Account # XXXX with Lease and Rental that has been validated according to the Credit Bureaus. The dates for the requested information are XX/XX/2020, XX/XX/2020, XX/XX/2020. The only information that I received back is that the account has been updated, remains, or verified as accurate. As a consumer, I feel my rights have been disregarded and I also feel devalued. To me this matter is not being taken seriously. If the debt in fact valid I should have received the method of verification used to verify that this debt belongs to me.
Consumer complaint received 2020-09-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (IL)

My wife received an unsolicited USbank " ReliaCard '' debit card in yesterday 's ( XX/XX/21 ) mail. We have never had an account at USbank, ever. There is some information on the internet about this being part of some scam. Unfortunately, there is NO WAY to contact USBank. I have tried the XXXX number on the card and the automated system warned that I was th 482nd person in line to speak to a human. I went on line and found where I could activate the card, there was NO WAY to de-activate the card and was pointed to the same sham of a customer support number. Bottom line, and this is confirmed by other 's comments on the internet, is that there is NO WAY TO CONTACT USBANK! 

We even followed the instructions to set up both their mobile and on-line account programs in hopes of finding some way to contact them about this problem. Sure enough, her account with a {$0.00} balance got activated. I repeat - my wife has NEVER had or ever applied for any type of account at USbank. 

# USbank fraud # USbank ReliaCard fraud # USbank customer support is non existent
Consumer complaint received 2023-01-30
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: EQUIFAX, INC. (CA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-01-21
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TCN Inc (GA)

I have a title loan and I am 2 weeks late. I have received phone calls up to 6 times a day. I provided XXXX references to the loan office but today ( XX/XX/2020 ) I received phone calls text messaged and the manager messaged me on XXXX, these are not my issue. My issue is that the office manager took it upon herself to contact my ex-husband 's wife and told her all my financial business. I did not have my ex-husband as a reference and clearly would not have his wife as one. She took it upon herself to look me up and who was linked to me based on my past, who was linked to my ex-husband and contact them. This is a violation of the FDCPA and would like this company 's practices looked into.
Consumer complaint received 2021-07-19
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 — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (CO)

I sent Wells Fargo a letter to dispute /validate an account that is being reported on my report on XXXX XXXX. I have not received any response, validating this account. This account was a secured account, which they had the money in an account " secured '' for any balances not paid. I am concerned as to how they claim I still owe them any money. 
I've attached documentation showing the letter that was sent to them as well as a copy of the credit report that I recently pulled.
Consumer complaint received 2017-08-09
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. (CA)

I have requested that these accounts be removed due to both fraud and failure to prove the debt as being mine. We filed and submitted documents for identity theft and submitted to them on XX/XX/XXXX The Credit Bureaus have failed to respond with the signatures as required by Federal Law and must delete the accounts on my report.
Consumer complaint received 2021-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Suburban Credit Corporation (DC)

A complaint was submitted to the Consumer Financial Protection Bureau ( CFPB ) regarding the methods and practices from Suburban Credit Corporation used to obtain a debt, from I, ( a living breathing being, operating in good faith, clean hands and not to avoid any actions against me ), which are unlawful and infringe upon my rights as a living being. The complaint was submitted to the CFPB on XX/XX/2021 and wrongfully closed. 

Suburban Credit Corporation mistakenly chose to deal with the legal instrument that was signed, sealed and delivered via certified mail as a cease and desist letter. The instrument contained specific instructions and an invoice to cure this matter. 

The fact that I have never engaged in business with Suburban Credit Corporation, but Suburban Credit Corporation brought it upon themselves to design a form sent by way of postal mail and created an account with personal identifiable information and initiated, initial communication, essentially displays the date identity theft/fraud took place. 

Suburban Credit Corporation designed a form knowing that such form would be used to create the false belief that participation in the collection of or an attempt to collect a debt allegedly owed. Suburban Credit Corporation intended to use personal identifying information, without my direct permission, to gain financial advantages, obtain credit and other benefits, and perhaps to cause adverse consequences. 

This matter is a direct violation to the local and federal rules and regulations to which Suburban Credit Corporation state they are 100 % compliant with. 

Local and federal rules and regulations include identity theft/fraud and all who attempts or conspires to commit any offense and the treatment of the unlawful actions of designing, compiling and furnishing of any deceptive forms. 

This matter should not be dismissed as a minuscule matter. 

Under the rules and regulations that govern Suburban Credit Corporation, there are far more consequential repercussions for identity theft/fraud than the instructions that were given in the instrument. 

[ You should not steal, nor deal falsely, nor lie to one another. - XXXX XXXX ]
Consumer complaint received 2020-09-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (VA)

I used to work for MCM but left the company over a year ago. While I was working for them, they changed software and I was a supervisor during this time. The software didnt work correctly so I had to use my personal cell phone to get the credit cards to work at times. When this occured, my cell phone number became attached to each account that it was used on. Before I left the company, I made sure to go through and search all accounts that my number had been linked to and disable the number. Not long after I left, I started getting calls looking for people from those accounts. I informed them at that time to make sure they werent reenabling my number because it was not a good number for any of these people. Now, I am again getting calls. I have had at least 10 calls in the last week for at least 3 different people. I again told them to disable my number and explained to them why it was on the accounts to begin with. They are not disabling it at all because I am continuing to get calls for the same consumer. One of them, I have now told them 3 times that this is not a good number, but the calls continue.
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MI)

Mortgage Servicer, Specialized Loan Servicing, failed to provide a refund for a subsequent bi-monthly mortgage payment debited after a payoff statement was issued and failed to refund a preemptive late fee incorporated in the payoff statement : XXXX XX/XX/XXXX - SLS provided a Payoff Statement to New XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - SLS receives an automated bi-monthly payment for {$620.00} XXXX XX/XX/XXXX - SLS receives payment in full via XXXX XXXXr from XXXX XXXX XXXX XXXX XXXX XXXX on behalf of XXXX  XXXX XX/XX/XXXX - Consumer requests XXXX  refund XXXX/XXXX payment and late fee without formal Error Resolution Notice per 12 C.F.R. 1024.35 XXXX XX/XX/XXXX - Consumer files complaint with XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XXXX closes complaint SLS provided XXXX a second Payoff statement dated XXXX XX/XX/XXXX, reflecting the XX/XX/XXXX bi-monthly auto-debit payment, which was NOT used in the underlying mortgage refinance transaction with XXXX and XXXX 

Both SLS Payoff statements ( XX/XX/XXXX and XX/XX/XXXX ) included a preemptive Late Charge fee of {$34.00}. The Late Charge fee was assessed in the underlying mortgage refinance transaction per instruction from the SLS payoff even though the monthly auto-debit and receipt of the payoff funds via wire were received timely. 

Also, SLS provided different daily interest per diem rates in the Payoff Statements.