davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I have a Bank American credit card. I had a balance of {$420.00} I made a payment of {$42000.00} I do not know how I use Bill pay from my bank. The same day I made that big payment I do not how. I payed the {$420.00} payment which shows I did not know I had made that big payment. They got that payment on XX/XX/XXXX. I noticed my check account was wiped out on XX/XX/XXXX seen it went to Bank American. I called them and after 45 minutes phone call I got that it would be refunded to my check account. I called almost every day from then on. I have been told it would be in my bank account 3-5 days then I was told 10 days, then I was told 30 days. 2 weeks ago it finally left my credit card and the {$42000.00} had left my credit card account ( this account it closed now XXXX I also recieved a letter from Bank American on XX/XX/XXXX that that money is being transferred back to my checking account. It never did. So I called again Now all phone calls I have waited 35 to 60 minutes to talk to anyone then I start over with the story and they find someone who is to know something coming back to me with another date the money will be in my account. I have asked over and over what is the number of the account you sent it to and no one can tell me. I was promised last Wed XX/XX/XXXX and I was promised that it takes 10 working days to refund that money and it would be in my account on XX/XX/XXXX. It is XX/XX/XXXX and I still do not have the {$42000.00}. I can not pay my health insurance, life insurance, utility bills, car insurance nothing. They have all my money. And no one can tell me where it is. They have had my {$42000.00} for 26 days. I had a bill of {$420.00} with a credit card limit of {$25000.00} I do not know how the credit card alarms didn't go off with me paying that much. I get an text and they won't let a transaction to gothrough if I make a {$25.00} payment over the state line. I do not know what to do I am beginning to think there is some scam going on with my money Please help me this could ruin my perfect credit rating and I can not live with out my money. XXXX XXXX XXXX the last 4 digits of my credit card that is closed that this money was in is XXXX
Consumer complaint received 2018-10-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WELLS FARGO & COMPANY (NJ)

I have a car loan with Wells Fargo XXXX XXXX for a XXXX XXXX. I sold the car on XX/XX/2018 to XXXX XXXX XXXX XXXX in XXXX, NJ. XXXX XXXX claims to have paid the remaining balance of the car loan ( {$940.00} ) to Wells Fargo. Wells Fargo has called me relentlessly to pay the balance. I informed them that the car was sold to XXXX XXXX XXXX XXXX in XXXX. 

Wells Fargo continues to call me relentlessly. In the past 14 days I have been called 11 times, not including weekends. I inform them of the same information ( the car was sold ) every time they call. They have threatened repeatedly to damage my credit if payment is not made.
Consumer complaint received 2020-09-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I certified letters to these companies to open an investigation on accounts that are negatively affecting my reputation and credit profile to get clarity to why they were being listed. And I have yet to receive any proof of documents requested in my requests. During the months of XX/XX/20, XX/XX/20, XX/XX/20, I have reached out to these companies to rectify the matter and still to no prevail has the corporation complied or following the guidelines of the laws.
Consumer complaint received 2020-06-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2019-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CO)

Since I filed a complaint with your organization about two weeks ago on XXXX I got a call from Bayview XXXX and told them that since I had an open complaint that I would not talk with them at this time. The woman told me that she was taking my number out of the system for no more phone calls I have this call on tape. On Saturday XXXX my call id box shows a call from bayview and then today Monday the XXXX at XXXX XXXX I got another call and no one removed the number or had no record. More fraud that is going on here. Call the media
Consumer complaint received 2020-06-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

I am victim of theft by deception from a caller that showed up on my phone as XXXX support and I was told that my XXXX account had been hacked. I was told that XXXX security discovered 2 hacked financial transactions and that once I downloaded what I was told was an XXXX  operating system app the XXXX representative was going to walk me through the steps so that the alleged financial transactions could and would be reversed. The person had me use the XXXX  link from my bank which is Wells Fargo and the person was sending fake text codes for me to use in order to complete the fraudulent illegal transaction. 
I lost {$500.00} dollars as a result once I learned that I had been scammed I immediately filed a claim with Wells Fargo and a claim was filed with their online fraud department. I also have filed a police report which I was told that the police were contacting the secret service since the transaction involved money and possibly an international scam I am concerned that Wells Fargo is not going to return the funds which I cant afford to not recover. 

Any help is greatly requested and appreciated
Consumer complaint received 2022-09-17
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Incorrect information on your report — Account status incorrect
Company: World Omni Financial Corp. (FL)

In according with the Fair Credit Reporting Act, SOUTHEAST TOYOTA FINANCE for ACCOUNT NUMBER : 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 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-11-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Someone scammed me of my money. The person who scammed me was pretending to be XXXX and sending me Emails stating if I didn't send {$350.00} to the " XXXX agent '' I would not be able to receive the payment for the shoes they were going to purchase from me. They stated in order for me to receive the money I'd have to send {$350.00} to a XXXX agent and I would be able to receive the money, the {$350.00} back, and that my account would be upgraded to a business  one. Wells Fargo has done nothing to help me with my case and denied reimbursing the money I lost. I filed a claim as soon as the incident happened and I was just informed today that they would not help me. I have all the emails and text and they did not once ask for any of the evidence, which is insane.
Consumer complaint received 2021-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

The dispute resolution process, along with fraud and deceptive unethical practices, has caused me to lose my new construction home. My credit fell XXXX points and then Transunion and XXXX  dismissed legitimate pleas for assistance and consumer protection. 
Transunion verified the collection as legit ; despite the mountain of evidence I have submitted to collaborate my claim. I do not owe any money whatsoever, and XXXX XXXX XXXX along with XXXX XXXX XXXX are committing egregious acts against consumers and NO ONE is doing anything for the victims. 

XXXX, Transunion, and XXXX  MUST KNOW what is going on with these companies and I have proved that I owe nothing for the XXXXXXXX XXXX. 

I believe that I am owed damages for my misaligned teeth and bite problems perpetrated by these plastic things which aren't even a real product, gives no results, and caused harm to me. I even joined a class action against XXXX XXXX. 

I have literally been XXXXXXXX XXXX XXXX XXXX XXXX out of a home and a dream by this injustice!!!!! And I can't get anyone to listen or rectify a single thing!!!!!! 

All of these companies, along with the CSR 's should be ashamed of themselves. They should tell my children why the system is so backwards, that we lost our home over some XXXXXXXX XXXX that was illegally financed and damaging not only to my mouth, but to MY LIFE!!!!!!!!!!!!!
Consumer complaint received 2019-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TX)

Home Depot credit card advertises 6, 12 and 24 months deferred 0 % interest on balance if paid within the alloted time. I have a Home Depot revolving credit card for which there was a minimum payment due of {$47.00} on XX/XX/XXXX. I mailed a payment of {$600.00}. They applied the excess payment over the minimum to a 0 % deferred balance that expires on XXXX in the amount of {$540.00}. I called to have the excess balance applied to the revolving balance and save interests with a plan to payoff the deferred interest balance by the next monthly cycle. ( I have been able to reallocate posted payments in the past. ) This saves the consumer interest and still allows me to pay the {$540.00} due on XXXX without incurring interests. The supervisor that I spoke with ( XXXX did not provide a last name ) quoted me the 2009 Federal Card Act as a reason why they no longer can reallocate payments towards the revolving balances and the " excess '' payment needs to be allocated to pay down any deferred balances due within 60 days.

Conclusion : The consumer should be given discretion or the right to save additional interest charges on their Home Depot credit card account by paying off the interest bearing portion of their balance prior to expiring deferred balances. Home Depot advertised 6 months deferred interest but their card administrator is forcing a reduction of one month from the premature allocation of payments. The consumer should be given an option.
Consumer complaint received 2019-06-10
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. (UT)

A company XXXX XXXX XXXX XXXX with which I have never transacted has fraudulently posted a collection report on Equifax. I have disputed this with Equifax. However, Equifax failed to remove this posting on my credit report. Since I have never had a relationship with the collections company or the vendor for which the collections company is posting, I am not able to provide any additional information to Equifax on this matter. In contrast, Equifax has failed to provide any additional information on the posting. Further, I am not able to communicate with Equifax with their online platform because they apparently attribute a variety of other credit items to my file that are ( incorrectly ) being used for verification purposes. I received a hard copy of my credit report which did NOT include any of the incorrect verification questions. This suggests that Equifax online data for my file is also incorrect.
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc. (SC)

The following companies did not reinvestigate the alleged accounts. XXXX XXXXXXXX XXXX. Please send me the original contract with my wet signature, payment history associated with this account, proof of ownership stating that you are in position to collect the debt, XXXX XXXX XXXX XXXX XXXX Please send me the original contract with my wet signature, payment history associated with this account, proof of ownership stating that you are in position to collect the alleged debt since you sold it. XXXX XXXX XXXX XXXX. Please send me the original contract with my wet signature, payment history associated with this account, the correct balance, proof of ownership stating that you are in position to collect the debt, you have the right of assignment, prove to me that the creditor did not directly partner with you. I demand verification of the original creditors information including their name, telephone number and address. XXXX XXXX XXXX, charged off this account as a profit loss to the IRS. The account is still reporting transactions and experiences, which is a violation of my consumer rights under section 15 USC 1681. Since this account has been written off as a profit loss, I am requesting a form 1099c form- cancellation of debt, since the amount is over {$600.00}. The balance was {$4100.00}. The balance has increased to {$4200.00}. The original charge off is {$4000.00} and the high balance is {$3900.00}. XXXX XXXX XXXX. Please send me the original contract with my wet signature, payment history associated with this account, proof of ownership stating that you are in position to collect the debt, and that you wrote this account off as a loss profit to the IRS. if the balance was written off as {$260.00}, why is the amount due is {$450.00}? EXPERIAN has not updated me with any correspondence. Please send all correspondence to the address that is being provided in this complaint/dispute.
Consumer complaint received 2020-06-04
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. (PA)

I received an alert via email from my bank that someone pulled my credit report from TransUnion. I looked up my report online and discovered that on XX/XX/2020 a credit union I do not know, recognize or have ever done business with pulled my report. Listed on my credit report inquiries is Type of Industry : Credit Union XXXX : XXXX XXXX XXXX XXXX XXXX CO XXXX Phone Number : ( XXXX ) XXXX I could not get through to this number by phone or to TransUnion by phone, additionally, TransUnion offers no email address to email a fraud complaint. 

It appears that someone may be gathering my credit data illegally.
Consumer complaint received 2022-01-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (NJ)

SANTANDER CONSUMER USA along with XXXX XXXX XXXX have committed fraud and have scammed me out of money. The auto contract that they had me sign was deceptive. They furnished a false and deceptive form to take advantage of me. They took my money in a consumer credit transaction that contains a finance charge, which does not include charges of a type payable in a comparable cash transaction. They then went on to add my cash down payment of {$2000.00} to the grand total it'll cost me for the purchase of credit instead of subtracting that amount they took from me, which was unlawful to begin with. They titled the credit application as " Retail installment contract and security agreement, '' which is furnishing false and deceptive forms. Within the Truth in Lending disclosure they stated that I'll be paying {$460.00} for 72 months, which equate to {$33000.00} but the finance charge is the only charge I should have paid due to it being the sum of all charges pursuant to the Truth In Lending Act, which was {$22000.00}. Furthermore, the finance charge shouldn't be paid in cash because a consumer credit transaction can only contain credit or cash, not both. The use of my credit card ( social security card ) was used to pay the finance charge, which was {$22000.00}. These corporations have violated the Truth In Lending Act and deceived me in the process of purchasing the vehicle.
Consumer complaint received 2019-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (TN)

I have been charged an {$8.00} dollar service fee by Regions Bank since XX/XX/2015 when I opened my account. I have made regular weekly deposits between 500-750 dollars, which should be sufficient enough to avoid a fee.
Consumer complaint received 2017-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I checked all 3 of credit report today and it shows I have a chapter XXXX bankruptcy .... The courts do not report to the credit agency.. how did they get the information for the courts..
Consumer complaint received 2020-06-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (NY)

Hello, I am currently trying to refinance my mortgage that is currently held by XXXX XXXX and being serviced by SHELLPOINT MORTGAGE SERVICING. 

My new lender ( XXXX ) requested collateral documentation from Shellpoint and XXXX XXXX to begin the refinancing over three months ago in late XXXX. XXXX XXXX and SHellpoint have refused to provide collateral and transfer documentation and has been unresponsive to XXXX 's requests. They continue to drag their feet and have made no effort to process the refinancing despite repeated requests.Please help! It should be illegal to refuse such information and I feel as if I have no ability to move this along.
Consumer complaint received 2020-09-18
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: BARCLAYS BANK DELAWARE (MA)

BARCLAY CARD WITH XXXX FOR {$380.00}??? How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2021-07-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear Bank Of America XXXX sent Information requested to another person besides myself. I requested information regarding my loan as well as proof of any third party whom accessed my personal information. I requested whom provided the information to third party and based on what documents provided to XXXX XXXX if XXXX provided documents ). XXXX confirmed information was provided to a third party without my permission. I am in pro per and information should have been sent directly to me as requested. If XXXX holds no contract/substitution of trustee etc related to loan. XXXX Provide documents provided to third party as well as document authorizing such release. I am requesting an XXXX Executive contact me directly. As these are general question allowed to ask as myself as XXXX prior customer.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2019-06-10
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. (GA)

ve sent multiple dispute letter to the credit bureau stating that the inquires listed on my credit report is not accurate, i received letters stating those account was verified, I sent another dispute letter stating to receive proper documentation bearing my signature for those inquiries, Nothing received in reponse. Also, Ive made contact with Equifax multiple via phone stating I was a victim of there inquiry issue, again I was routed to send disputes letter in for a reinvestigation
Consumer complaint received 2019-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PENTAGON FEDERAL CREDIT UNION (CA)

PENTAGON-BANKCARD IS OPENED FRAUDULENTLY, IHAVE ASKED XXXX   NUMEROUS TIME TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.