davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-27
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY (CA)

I have a credit card with Wells Fargo Bank. Payments are due on th XXXX of each month. I have an automatic bill payment set up with XXXX to occur on the XXXX and arrive by the XXXX. For XXXX months in a row, Wells Fargo has not received/posted my payment until after the due date. Two weeks after the payment generated to them. I beleive Wells Fargo is delaying posting. There is no reason why a bill pay check between XXXX of the biggest banks in the world takes two weeks for delivery. Wells has reversed the XXXX fee when I called them. Im not sure if they will handle the XXXX fee since they told me it was a one time " courtesy ''. They could not explain why the delay, saying only that the posting date was the date of receipt. They encouraged me to have WFB draft the payment against my XXXX account. However, I want the process to work as it has for several years of having this account. Prior payments have never posted this late. 

There seems to be some fraudulent activity here to inappropriately charge customers fees that are not of their doing.
Consumer complaint received 2017-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Under the FCRA, unverified, invalid accounts must be removed. 

If Capital One is unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from credit reports including but not limited to XXXX, XXXX and XXXX XXXX. 

I demand the account be verified, that I be provide PROOF or removed immediately! 
The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law.

On or about XX/XX/2017 I submitted a request to Capital One to provide me " wet signature '' actual proof of authorization to report any credit information according to the Fair Credit Report Act, Section 609 ( a ) ( 1 ) ( A ). 


Despite numerous, requests, Capital has not removed from the reporting agencies information for : : Capital One a/c XXXX XXXX XXXX XXXX Capital One a/c XXXX XXXX XXXX XXXX I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed below : The fair resolution to the is for CAPITAL ONE to remove any credit information they are reporting unless they can provide HARD COPY PROOF TO ME through the physical verification of the original signed certified consumer contract - of any and all accounts o be posted and or reported on a credit report.
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

I was affected by the Equifax security breach, and using their online process to freeze my account, I put the freeze on it, and then their system was supposed to generate a PIN for me so I can unfreeze it later. The system did not generate a PIN, instead I got a system error message. When I called their help desk dedicated to the security breach, it is outsourced and the call center representatives do not have the ability to respond to technical problems. They refer you back to the general equifax number. That is an automated message that does not include an option to get technical support related to the cybersecurity breach and freeze requests. So, there does not appear to be a mechanism for consumers to resolve technical problems with equifax related to their failed system for freezing credit scores/accounts. 

I think CFPB needs to come down pretty hard on Equifax for failing to provide adequate technical support to people who are experiencing problems with freezing their accounts, getting their PINs, etc.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to dispute information on my credit report related to XXXX loans. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and specifically under Section 609, I am formally requesting validation of the reported XXXX loans. 

I believe that there may be inaccuracies in the reporting of these loans, and I am exercising my right to dispute and request verification of the information in accordance with the FCRA. The specific details of the disputed information is attached in document and I am aware of my rights under the FCRA, which grants me the right to dispute inaccurate information and obligates the credit reporting agency to investigate the disputed items within 30 days. Additionally, under Section 609 of the FCRA, I have the right to request validation of the reported information.
Consumer complaint received 2021-09-07
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. (SC)

On XX/XX/2021 i sent you letters about a lot of inaccuracies on my credit report, but I still havent received any response from you. I need my credit report to be cleared from all these errors and i am begging you to clear off stuffs that should not even be there in the first place. My information might have aslo been affected by equifax data breach so please go and investigate.
Consumer complaint received 2017-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have a Bank of America credit card with a credit limit of {$500.00}. I pay my account every month and have been paying down more than 90 % of the balance every month. For my XX/XX/XXXX statement my balance was {$22.00}, this was reported to the credit bureaus around that time to reflect that balance. I then receive ( on XX/XX/XXXX ) an credit alert that BOFA is now reporting my balance as {$480.00}. I call BOFA and they tell me they are sending a dispute to XXXX, I then receive another alert from he other credit bureaus that the same balance has beeen reported on XX/XX/XXXX. Icall BOFA again and I 'm told they report randomly to the credit bureaus throughout the month- which is a inaccurate statement, they will investigate and let me know. This has cause my credit score to dget op 44 points across all my credit reports and is financially affecting me- since I was suppose to close on my mortgage this week.
Consumer complaint received 2021-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On Monday XX/XX/2021 I received and email from Capitol One that my personal checking account was restricted. I was given a phone number to contact which I did several time over the next days. the phone number only went to voicemail and told me to describe my situation and give a call back number. I left messages every time stating the following, and have not received a call back. I also called Capitol One 's main customer service line to confirm that this was the correct number and it was. 

The problem with my account was that I was recently targeted for a scam. I am currently unemployed and have been looking for small part time work where I can to help pay my bills with reduced income. I had been contacted about a secret shopper assignment that would pay a XXXX XXXX dollars. I began the process of doing this by depositing the check given to cover the cost. After asking some questions and doing my research, I realized this was a scam and the check they sent was fake. I IMMEDIATELY called Capitol One to inform them of this the same day the check was deposited mobilly and asked them to cancel the deposit because the check was no good. They said there was nothing they could do and the check would automatically be rejected. The check cleared, but I did not spend any of the money and waited for it to resolve itself. a few days later the deposit amount was taken back, nothing overdrawn or spent, and thought that was that. Well a few days later on the XXXX Capitol One sent the email and subsequently ended my ability to use my funds ( that were still there and had nothing to do with the bad check ). 

Now I am stuck with thousands in this account that I need to cover my monthly bills and there is no way I can access them. I have been given no call back, no explanation, and most importantly no time frame. Yet my legit regular direct deposit amounts still go through and are being collected and I can not access them. 

I need access to my account which I used legitimately for 10 years now.
Consumer complaint received 2020-07-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA (AZ)

I was behind on my payments and went on line for help. They said I had to write to them for payment help due to hours cut from COVID19.  I wrote on XX/XX/XXXXand made one payment. I told them about the rules from the Arizona Attorney General which advised all vehicle loan financiers to waive payments for 90 days and extend to put on the end of the contract with no additional interest, due to financial problems from the Coronavirus shutdowns in Arizona. 

They did not respond to me But repossessed car in XX/XX/XXXX without any notifications. I made numerous calls and spoke to many people trying to get my car released. I spoke to manager of reinstatements, customer care department. I send documents to them which they said they would send to the legal department. They set up a case and promised they would have it reviewed by legal, but never did. they also set up a customer care case and promised a response in 3 days and never got back to me, case # XXXX, all on XX/XX/XXXX and as of today, XX/XX/XXXX, not a word back from them.
Consumer complaint received 2023-01-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AMERICAN EXPRESS COMPANY (CA)

I transferred two amounts from my Amex Serve account ( which was tax refunds through XXXX XXXX for the years XXXX and XXXX ) to my XXXX XXXX savings account that I had confirmed with serve through two small deposits. I made to ACH transfers on XX/XX/XXXX of {$2500.00} with transaction ID of XXXX and {$2600.00} with transaction ID of XXXX which were supposedly completed on XX/XX/XXXX and the money was never received by XXXX XXXX and they keep blaming each other. I have to get this money back!! Its my money! My tax return
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (PA)

I applied for a new credit card, and was turned down. I was told to check my credit rating. I found XXXX on line, and discovered that my XXXX XXXX CHASE credit card, held by JPMChase Bank, had reported that I was 60 days in arrears in XX/XX/XXXX on my account. I contacted AMAZON, learned that my AUDIBLE account was the source of fraudulent charges to that account. After identifying the fraud, AUDIBLE refunded my card in the amount of {$230.00}. I called the credit card company ( JPMCB ) to report the fraudulent use of my card and requested a new card. I asked to have the arrears claim omitted from my account. They told me to file a dispute report with XXXX, which I did. 
While the charges have been removed from my account, my JMPCB account still shows delinquency from XX/XX/XXXX. 
When I spoke with a representative at XXXX, I was advised by to file a claim with you ( FTC ) against JMPCB. 
That website sent me to you. 
I have attached a letter from AUDIBLE refunding my money for the fraudulent charges. 
Please help me clear my name. 
Thank you.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

The customer service department of Equifax did not help remove the negative hard inquiries that are reporting on my credit report, 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-06
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. (ND)

Applied for a small loan with my main bank ... I do business with three different banks, all of which I am in good standing..and have been for quite some time. Equifax has either mixed me up with someone else, or just ca n't get its facts straight about me ... and has tanked my score for no apparent reason ... absolutely no change has occurred ... yet it tanked my score 54 points for no reason at all!!
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Listed on my credit report is a Credit collection by XXXX XXXX representing XXXX XXXX XXXX for a balance in the amount of {$950.00}. Also on my credit report is XXXX XXXX XXXX. I have disputed this account multiple times but what upsets me more now is that both companies are listed on my credit report as if I owe the same debt twice. It is unfair that they are both listed on my credit report appearing that I have multiple accounts in a negative status and being denied credit. I am asking that XXXX XXXX be deleted immediately as they are not the original creditor.
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Listed on my credit report is a Credit collection by XXXX XXXX representing XXXX XXXX XXXX for a balance in the amount of {$950.00}. Also on my credit report is XXXX XXXX XXXX. I have disputed this account multiple times but what upsets me more now is that both companies are listed on my credit report as if I owe the same debt twice. It is unfair that they are both listed on my credit report appearing that I have multiple accounts in a negative status and being denied credit. I am asking that XXXX XXXX be deleted immediately as they are not the original creditor.
Consumer complaint received 2017-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

My mortgage was sold by XXXX XXXX and Select Portfolio Servicing had my loan. From before they had my loan they assessed a late charge in XX/XX/XXXX. Not only did I not pay late but they did not get my loan until XX/XX/XXXX. According to XXXX XXXX 's own loan information my payment was received on the XX/XX/XXXX. And like I said I paid XXXX XXXX as I was supposed to until XX/XX/XXXX. I had to call and have the late fee removed but my question is, why was one assessed on a loan they did not even have yet? Also over thirty thousand dollars was added to my mortgage balance and would appear and disappear throughout the 6 months they had my loan. No one could explain this 34,000.00 dollar plus amount that was added. I was so disturbed about it I started looking to refi my loan. In XX/XX/XXXX yet another set of late fees were charged, when even their own paper work shows my payment was paid on time. I am including copies of bank statements showing that all of the payments cleared my bank on or before the XX/XX/XXXX which was all on time. Payments were not late until the XX/XX/XXXX. This company is so scary. They not only assess late charges on payments that are n't late but added over thirty four thousand dollars to my loan on a whim! I have since refied, paying thousands of dollars and raising my payments XXXX per month just to get away from them. This company should not be allowed to conduct business anymore. If you XXXX the name of this company you will see hundreds and hundreds of complaints. Rated a 1star on many sites.
Consumer complaint received 2019-10-26
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. (TX)

Well i was effected by Identity theft and was told to file a police report and File a Theft report with the F.T.C. Well I filed my F.T.C Theft report on or around XXXX and recontacted them around XXXX for any update on my case. I was told it was still under investigation. Well its now XXXX and i havent heard anything about my Identity theft file claim. Its been way over 30 days and i havent had any update or anythjing to my account. I was told it takes up to 48 hours for my file to Block the Stolen Info thats on my report. But XXXX and Transunion wont Block and complete my theft report claim. Its been over 60 days and I havent got any responses. Can you have them to please Block the account so i can get thru this horrible Identity theft. XXXX   followed up without any issues and Blocked after there investigation. So why cant the others follow suit and do the same since they BOTH verify about the same way. I hope its accurate and not illegally posted.
Consumer complaint received 2024-05-07
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc. (AZ)

In XXXX, I moved into the XXXX XXXX XXXXXXXX XXXX after signing a lease for an apartment that was not the same apartment that I was initially shown and told where I would live. The apartment that I was moved into had a mold infestation that required that I move out. I ended up with a debt from them for over {$3000.00}, so in XX/XX/XXXX I took them to court at the XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX ordered that the judgement be decreased from over {$3000.00} to {$590.00}. This debt was then passed on to U.S. Collection West who added on almost {$1000.00} on top of that debt. I submitted a dispute with XXXX and attached the judgement signed by XXXX XXXX and they still refuse to update my credit file.
Consumer complaint received 2022-09-08
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: AMERICAN EXPRESS COMPANY (GA)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that these companies absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.
Consumer complaint received 2021-02-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TIDEWATER FINANCE COMPANY, INC. (GA)

Attorney XXXX XXXX XXXX XXXX has filed an Order of Summary Judgement. Civil Action # XXXX and the XXXX XXXX XXXX XXXX ( State Court of XXXX county ), signed the order without a court hearing to plead my case. I am an essential worker, yet due to the pandemic my job has been affected with decreasing hours and affected employees which has resulted in being off and on from work. I am currently under Pandemic benefits program with the DOL cares act program. I have battled with XXXX myself, and recovered at home. I am the head of household and I am struggling to pay my living expenses .The law to garnish someone wages during this hard economic time should be denied. We can barely survive which has caused a heavy strain on anyone that is trying to work to provide support and services for the state of Georgia.
Consumer complaint received 2017-09-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Herbert P. Sears Co., Inc. (AZ)

I have been working directly with the company that this debt originated from. Also when I spoke with the original debt they informed me that this company has no right to contact me on behalf of them because I do not owe the collection agency I owe them directly. Now they are reporting to my credit reports and I am not happy.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2021 around XXXX XXXX PST I signed into Experian to opt out of marketing. From their on line page I was required to create an account and they gave me account #. I have no idea what is going to happen with that. 

I could not located anywhere on the page or their web page to opt out of marketing. I also tried calling in and their phone support tree did not have an option and would not allow me to a live person. 

I use XXXX XXXX with XXXX XXXX XXXX and they have not been able to get my report from Experian in a month.