davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY (NC)

Contacted Wells Fargo in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to dispute two late payments for XX/XX/XXXX and XX/XX/XXXX. Wells Fargo contacted me on XX/XX/XXXX, and admitted they were not being proactive with enrolling me in Servicemember 's Civil Relief Act ( SCRA ) benefits. They asked for documentation of my service prior to the date of my loan. I went to the branch and provided all required documentation. The documents were faxed to the number listed on the letter provided by Wells Fargo. I called a week then a month later and discovered the late payments were not removed. I was told I would be contacted and was not. Furthermore, the late payments have still not been removed.
Consumer complaint received 2022-04-26
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. (PA)

My COMPLAINT IS BEING SUBMITTED BY ME PERSONALLY, WITHOUT THE INFLUENCE OF ANY THIRD PARTY OR ANYONE ELSE. I HAVE ATTACHED DOCUMENTS PERTAINING TO MY COMPLAINT. I AM DEEPLY SADDEN AT THESE COMPANIES AND HOW THEY MANAGE MY DISPUTES.
Consumer complaint received 2021-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC. (NC)

I scheduled a single payment thru the Axos Bank portal to pay my mortgage payment of {$2200.00}. The next day I got 5 emails stating that my payment was scheduled. Feeling that this was odd I logged in again and saw that the site had schedule 5 different payments. I called them, waited on hold for over 30 mins, scheduled a callback, called back again an finally spoke to a person who told me I had two options : 1. Wait for the charges to clear and then they'll refund them.

2. Call my bank and stop payment.

I asked to speak to a manager. They told me they could get someone to call me back in 24-48 hours. I've called XXXX  ( my bank ) and put a stop payment in and was charged for doing so. I'm asking for compensation for all charges related to their website error. They don't seem to be bothered at the financial or time implication this has caused my family.
Consumer complaint received 2024-03-07
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: EQUIFAX, INC. (IL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2021-05-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TRUIST FINANCIAL CORPORATION (TX)

I have asked BB & T Bank to provide me with proof of my wet Signature stating that I agreed to any contract or terms and Disclosures that would allow the bank to close my account at any time. The Bank Offer XXXX XXXX sent me a copy of my Signature which is XXXX  XXXX stating that I signed under Economic Duress which means I did not Agree to Anything on the contract.
Consumer complaint received 2021-02-01
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. (MI)

Checking my report and I noticed some accounts are opened that I never opened the information doesnt even look accurate either I contacted the creditors they have no information of mines to provide back to me
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Account was opened in XX/XX/2021. I have provided documentation and requested multiple times through all credit bureaus for this information to be removed. I have reported identity theft, police reports, and ftc reports have been reported since then. I have requested information for documentation for accurate verification and no response. I have security freeze and fraud alerts on all my accounts as well.
Consumer complaint received 2021-10-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XXXX XXXX I disputed the following : 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 with XXXX , XXXX, & Transunion and they have yet to respond in the time allowed by the FCRA. Transunion, XXXX, & XXXX are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately.
Consumer complaint received 2018-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (IL)

Bank did not properly disclose an excessive fees charged when a balance dropped below {$50000.00}. At the time of account opening, I was having issues because I was not receiving documents as promised. I called the bank on at least 7 occasions. I never received a signature card, they enrolled me in paperless statements without authorization, I was unable to create an online account ( they assisted and got it done ) etc. In XXXX, the bank started charging me a {$30.00} fee. I did not notice it right away- I do not recall receiving the statements however I was recovering from a major illness. In XXXX, I called several times about the charges and requested the terms and conditions and the proof of my authorization for these ridiculous charges. Why would I pay {$30.00} for a checking with over {$25000.00} balance when there are free checking accounts everywhere? I asked they send me the consent from account opening. When I did not receive it several weeks later, I called again this morning. I was on the phone almost an hour. I was told the information is " proprietary '' on three occasions ( ridiculous use of that word! ). I was directed to new accounts who could not verify my consent then I was set up with a personal banker who would not allow me to speak and just kept interrupting me. She finally confirmed- and repeated it several times at my insistence, they do not have the consent. She said she can walk me through a similar account opening- I again, asked for MY consent as it should be required in record retention. The manager and woman I spoke to were just so unaware of any regulatory requirements for retention of account opening records or records of disclosure. The customer service people here simply do not care about consumers rights.
Consumer complaint received 2020-09-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One Auto Finance repossessed my vehicle but, did not give me the proper documentation even as of today from approximately two years ago. 

Under the laws of North Carolina and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I did NOT receive proof that the repossession transaction of my vehicle was legal in accordance with the following UCC : XXXX. EFFECT OF ERRORS OR OMISSIONS. 
XXXX. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL XXXX. TIMELESS OF NOTIFICATION BEFORE DISPOSITION OF COLATERAL. 
XXXX. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL Capital One Auto Finance was required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of my vehicle that I never received. 

Per North Carolina Law I requested proof that is required to be given with 15 days and it's going on 60 days and I still have not received the requested items. Capital one has been in receipt of my certified mail notices and has been in violation therefore, the alleged claim of a deficiency should be considered null and void, and any continued collection activities or continued reporting to the credit bureaus of this invalid claim on my credit reports is a violation of the FDCPA, FCRA and 16 CFR Part 660. 

Capital One was required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of my vehicle and this has NOT been done. I have not received notification before the Disposition of Collateral as required by North Carolina UCC 9.611. Furthermore, evidence that all applicable notices were not provided to me as well. These mandatory notices may not be waived prior to default in accordance with North Carolina UCC 9.624 Therefore, Im requesting for their item be removed from my credit report and the debt to be considered null and voice per NC State law previously stated.
Consumer complaint received 2020-09-04
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. (PA)

To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX  1. There are multiple inaccuracies in this charged-off account. The high credit amount is inconsistent on my three bureau reports ; one bureau even has this amount as {$0.00}. There should be no past due not balance amounts associated with it but it shows {$320.00} as balance and as a past due amount. All these discrepancies make this account look totally unverified and incorrect. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account IMMEDIATELY! 
2. How did you verify this account when the collection agency stated they had no information on me? 
XXXX XXXX  Account Number : XXXX Delete this! 
3. This is a collection account so there should be no balance associated with it at all. How come this particular account shows a balance in the amounts which are by the way different for each bureau reports? It is no making any sense. 
XXXX XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 

FOR Experian 1. There are multiple inaccuracies in this charged-off account. The high credit amount is inconsistent on my three bureau reports ; one bureau even has this amount as {$0.00}. There should be no past due not balance amounts associated with it but it shows {$320.00} as balance and as a past due amount. All these discrepancies make this account look totally unverified and incorrect. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account IMMEDIATELY! 
2. This is a collection account so there should be no balance associated with it at all. How come this particular account shows a balance in the amounts which are by the way different for each bureau reports? It is no making any sense. 
XXXX XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 
3. Why are the dates of last activity for this account do not match on my XXXX   XXXX  and Experian reports? All information must be consistent on all three bureau reports as per FCRA. 
XXXX Account Number : XXXX DELETE THIS UNVERIFIED AND INCONSISTENT ACCOUNT. 

FOR XXXX  1. How was this particular account got validated? I reached out to the collection company to legally verify this account but I never heard back from them. 
XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report if you are unable to supply me verifiable proof. 
2. Why are the dates of last activity for this account do not match on my XXXX   XXXX  and Experian reports? All information must be consistent on all three bureau reports as per FCRA. 
XXXX Account Number : XXXX DELETE THIS UNVERIFIED AND INCONSISTENT ACCOUNT
Consumer complaint received 2022-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair credit reporting act XXXX  account # XXXX, # XXXX and # XXXX, has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A sectio
n 2 : It also states a consumer reporting agency can not furnish an account w/o my written instructions
Consumer complaint received 2017-12-18
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (DC)

This is a follow up to complaint number XXXX wherein Citibank refused to honor their own cashier checks. I have still not received this money. 

Citibank originally claimed that the money was escheated to the State of California, ( or Colorado or DC ) but California did not show a record of the transaction ( see attached ). California requested proof of the transfer in a subsequent conversation, but despite numerous unanswered requests to the branch XXXX, XXXX XXXX, or to XXXX XXXX at the XXXX XXXX XXXX, Citibank has failed to supply proof that this transaction occurred. 

After my original complaint, I received a letter from XXXX XXXX at the XXXX XXXX XXXX with the months that Citibank allegedly escheated the funds. I requested proof of this transaction ( as requested by the State ) but was informed that this information was proprietary. I requested that they send the information directly to the state, but was informed that Citibank would not do this. 

I made numerous requests to speak to XXXX XXXX XXXX XXXX, XXXX XXXX, but XXXX XXXX refused on the basis that she would tell me the same things ( which is absurd on its face since my first question would have been to ask XXXX XXXX XXXX  XXXX XXXX name ). My XXXX did promise a call-back from a rXXXXe of XXXX XXXX and gave me an email address for the XXXX XXXX, but like so many failed assurances from Citibank, no phone call was received, and the email address proved invalid. 

Citibank took my money, refused to honor their checks, and then failed to assist in recovering the money leaving me with no recourse.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (SC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp. (CA)

A company called True Accord sent an unsecured email to me on behalf of my wife disclosing to me that they're intending to collect a debt and the dollar amount of the debt. From what I understand, they are in violation of the law, considering they performed zero diligence in confirming who they sent an unsecured email to was in-fact related to my wife.
Consumer complaint received 2021-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The 3 Credit Bureaus are reporting inaccurate information on PORTFOLIO RC. Per FCRA, reporting must be 100 % correct or the information must be removed. XXXX this reporting by making a revision of the information provided. Modify and perform any corrections or delete the following accounts from my personal file : PORTFOLIO RC - XXXX Balance {$5300.00} ; PORTFOLIO RC XXXX XXXX Balance {$320.00}
Consumer complaint received 2021-07-08
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: ENOVA INTERNATIONAL, INC. (NM)

On XX/XX/2021 I noticed there is another inquire that I did not recognize, from XXXX 
Details as below : NETCREDIT FS XX/XX/2021 Location XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose WRITTEN AUTHORIZATION This is not done by me and I have sent an email to XXXX ( which I got from their website ), as the contact number provided did not answer my call.
Consumer complaint received 2020-09-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (AL)

This debt collector called my phone and begin to disclose information about a delinquent credit card account Without verifying whom she was speaking with. I have received personal information about a person without their consent, this is a direct violation of our privacy.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

American Express is restarting the reporting clock on an account in my name unlawfully. American Express canceled said account in XXXX of XXXX after not receiving a payment since XXXX of XXXX. They charged off this account in XXXX, but they re-reported it as a charge off in XXXX of XXXX and that has restarted the reporting clock with the three credit bureaus. They acknowledge the debt is very old because in the last quarter of XXXX, they began sending letters to my address stating that this account is so old that they can not legally sue me for the account that is in my name. I have not had any contact with them regarding this account in any way shape or form. I do not, nor have I acknowledged this debt belongs to me with them. I have documentation showing that they have not received any payments since XX/XX/XXXX, so therefore that started the clock for the first delinquency because they have never received any form of payment, nor have they had any communication with me since then. The amount that they are still reporting has not changed for years as well, thus also proving that they have not received any payments on this account to lead them to restart the clock as well. I do not acknowledge that this is my debt. I am solely writing this to make a complaint against American Express and to show that they are inaccurately reporting information to the three credit bureaus. I have been denied a housing loan because of this. When they started to report that this account was recently charged off, as opposed to the truth, being that it was charged off in XXXX, it made my credit score drop dramatically. I have disputed this information with the three credit bureaus and they have all stated that American Express has verified this information. I have plenty of documentation showing that they are falsely reporting delinquency and charge off dates.
Consumer complaint received 2020-09-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I reviewed my credit information and discovered that there is a Bankruptcy, Chapter XXXX listed on my credit file from XX/XX/XXXX, and Bankruptcy, Chapter XXXX filed XX/XX/XXXX. I begin to investigate and determined that the courts did not report to the credit bureaus. I did obtain a letter from the credit advised that it was not reported by them. I also reached out to XXXX as well and they also sent a response advising that they do not make any contact with any credit reporting agencies. I was never provided with any information advising the information has been verified or accurate.