davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

My wife and I both had XXXX accounts with XXXX XXXX. I am listed as the primary on my XXXX and my wife is listed as an authorized user. My wife 's account list her as the primary and I am listed as an authorized user. My wife XXXX XXXX X/XX/17. I notified XXXX of her XXXX and asked that they close the account. XXXX made an un-authorized change to my wife 's account changing me from an authorized user to the primary. I have asked multiple XXXX representative how this has happened without any explanation. I have also requested for a copy of the application and they claimed they may not have it. My wife XXXX XXXX  without an estate to pay her debt. Since I am not a co-signer to the debt and only an authorized user I can not be held responsible for her debt. To date XXXX has removed my wife 's name from her account which shows they recognized her XXXX and wanted to quickly change responsibility to someone else. They had closed the account and within the last month they re-opened the account to an open status. My account still has my wife 's name as an authorized user but it has a closed status.
Consumer complaint received 2017-07-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

ON MY TRANS UNION CREDIT REPORT I WAS MISSING PAYMENT HISTORY FOR XX/XX/XXXX AND XX/XX/XXXX AND THE BALANCE WAS NOT REPORTING CORRECTLY. I TALKED TO XXXX FROM XXXX XXXX ABOUT THIS ISSUE AGAIN AND SHE STATES THAT THEY HAVE UPDATED MY CREDIT REPORT ACCURATLY EACH MONTH AND IF I WAS MISSING OR MY ACCOUNT IS NOT UPDATED IS TO DISPUTED WITH THE CREDIT BUREAU. SO I PUT IN A DISPUTE ONLINE AT TRANS UNION TO GET MY CREDIT REPORT UPDATED CORRECTLY. ON XX/XX/XXXX. I RECEIVE THE RESULTS BACK ON XX/XX/XXXX AND ONCE I RECEIVE IT BACK THE ACCOUNT WAS DELETE IT OFF OF MY CREDIT REPORT. THIS ACCOUNT SHOULD HAVE NOT BEEN DELETE IT AT ALL IT NEEDED TO BE UPDATED. I HAVE MADE PAYMENT ON THIS ACCOUNT FROM XX/XX/XXXX TILL XX/XX/XXXX AND THIS ACCOUNT NEEDS TO BE PUT BACK ON AS FOLLOW. I REACH OUT TO CREDIT ACCEPTANCE ABOUT THIS AND THEY SAID THIS ACCOUNT IS OPEN ACCOUNT. SO I WANT TRANS UNION TO GET IN TOUCH WITH CREDIT ACCEPTANCE IN GETTING THIS ACCOUNT UPDATED CORRECTLY AND PUT BACK ON MY CREDIT REPORT.
Consumer complaint received 2017-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (ND)

I have a Citi ThankYou Preferred Card, and I think the way they apply my minimum payments is completely unfair. 

I have two different balances/amounts on this card, the first being approx. {$630.00} which is at 12.99 interest currently, when the 0 % promotional rate for this amount expired on XX/XX/XXXX. 

Now, the second ( newer ) balance is approx. {$3400.00}, from when I accepted a 0 % promotional balance transfer offer a few months ago. 

The problem is that when I submit my minimum payments to this card issuer, instead of applying the payment to the older balance ( the {$630.00} ) which has an interest rate of 12.99, they are applying basically the full amount to the {$3400.00} ( the newer one at 0 % ), so I 'm essentially stuck with the inability to pay off the part of my balance that is subject to interest. Unless I just get rid of ( transfer off ) the whole thing, which I would really rather not do, since I 'm getting 0 % on most of it.
Consumer complaint received 2017-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CA)

Diversify consultant has been calling me numerous times every day regarding the dept that I did not owned. I know I had a very clean and good credit records. They asked me to release my personal information and I denied. I requested them to remove my phone number from the list but they still continues call and harrash me. Please help.
Consumer complaint received 2017-09-26
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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (CO)

I opened an account with a bank institution and they kept telling me i was late on my payments even though i was n't. They added so many extra fees and late penalties even though i could show them that i paid every bill that i received that i finally just closed the account and since they refuse to work with me then i refused to work with them. But now they have put things on my report that are damaging it severely.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have rights to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-10
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. (FL)

I do not know XXXX XXXX  - XXXX - company nor ever did business with this company. The Credit bureaus HAVE FAILED TO PROVIDE VALID PROOF of ACCURACY!! Upon challenging this, I noticed as A result of challenging this account with the Credit bureaus they stated this account as verified and accurate. They are reporting inaccurate and unverified information on my report. This is a clear FCRA violation. Date Open is wrong, Last reported is wrong, Date of Last Activity is wrong is a violation. Are they not practicing Metro 2 Compliance? It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. They have failed to provide me with a copies of any viable evidence, bearing my signature, showing this account is mine and being reported accurately. Please verify this account pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by providing all the information below or delete 1. The name, address and phone number of each person you spoke with that varified this account or delete ; 2. Balance and all payment history I have supposedly submitted, what the payment is for or delete ; 3. Provide 1099c and credit insurance or delete ; 4. Provide original signed contracts with me and XXXX XXXX agreeing to their terms or delete ; 5. Provide payoff discllosures, interest rate disclosures ; 6. Provide collections ; license number and court documents that allow XXXX XXXX- to continue to pursue this debt in Florida or delete ; 7. Provide documents that states this account was purchased or are they collecting on the original account holders behalf or delete. Be aware that a printout of a bill or itemized document does not constitute verification. 

In the absence of any such documentation bearing my signature, I request that this account be immediately deleted from the credit file. 

Also In accordance with the Fair Credit Reporting act XXXX 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. And continued violations under 15 U.S.C 1681 and 15 U.S.C 1692 I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Federal Trade Commission, Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance.

Please DELETE this account while this account is being investigated. Please send an updated copy of dispute results and Full copy of my credit report to the above address. According to the act, there shall be no charge for this updated report.
Consumer complaint received 2021-10-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

In XX/XX/XXXX I cosigned for my son XXXX XXXX on a purchase for a XXXX XXXX XXXX XXXX, within three weeks of the purchase of the vehicle it broke down and could not be fixed per the dealership, My son put down a {$500.00} deposit which he lost, and the vehicle was turned into the dealership. The loan was financed through capital one auto, and I repeatedly called them to The dealership has possession of the car because it could not be repaired.
Consumer complaint received 2021-09-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (CA)

Dear Sir/ Madam, I have a loan borrow with Net Credit in XX/XX/XXXX, I made regular payments to this company until XX/XX/XXXX, ( Payment has been made totally 18 months, set up auto electronic payment every other week, total {$130.00} each month. 

My borrowed amount is {$2500.00} ( XXXX XXXX ) My total payment to Net Credit {$2000.00} ( XXXX XXXX XX/XX/XXXX ) My balance in XX/XX/XXXX was {$3100.00} ( this is not fair ) In XXXX, Net Credit told me my Balance was {$3100.00}, so I stop paying to this loan shark company, and have a law office named XXXX XXXX to write them an offer of {$300.00} to settle the case, but Net Credit refused, I called them few times but they refused my offer but have no resolution to me and keep emailing me ( every 2 weeks ) and charging me with unknown charges!!!! 

The mail from this week saying that I owed them already over {$900.00} I hope your office can help and advice Sincerely XXXX XXXX XXXX
Consumer complaint received 2017-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Issue clarification : BoA WILL close cc account not IS closed Received email notification that they will close overdraft CC is not used by deadline. I called the local branch to resolve and was told no one available and I needed to go online, schedule an appt inside the bank. We all know banker 's hours. And I work those same hours so basically I need to change an amount on their cc, keep track of that charge, pay it and that resolves it. Banks are become more and more insular : self absorbed and dismissive. My concern : what happens to those customers who do n't have time or money to respond to the growing isolation we all feel as customers? 
I posted this in XXXX XXXX : As a long time loyal customer you and I stand at a crossroads.  Today I received this notice : " Your Bank Americard Rewards Visa Signature ending in XXXX has been inactive and will be closed on XXXX XXXX, XXXX, if you do n't make a transaction by XXXX XXXX, XXXX. '' I have limited time to deal with your issue so I called the branch office. Due to the apparent inconvenience of my call a recording informed me that no one was available to deal with me and I was 'invited ' to go on-line and schedule an appoint to come in, at your convenience, to resolve an issue that you created. Think about that for a minute from a shareholder and customer 's perspective - you exist to make your shareholder 's money ( we hold BoA stock ) and secondarily to serve customers needs. I hope that BoA can see the irony in that. At this point I know that you will provide boiler-plate-justification response, which is tiresome and mystifying given the plethora of public platforms that are more available to your customers than BoA is or has been over the last 15 years. Im tired of being repeatedly marginalized by BoA. I await your response this request : You contact me within 24 hrs to resolve your issue. If not, there are other banks willing to accept our accounts. Example : XXXX personally answers the phone at the local branch where we also have accounts.
Consumer complaint received 2017-07-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This began with CFPB # XXXX, requesting XXXX XXXX to remove XXXX XXXX from my credit report on XXXX XXXX, 2017. <P/>XXXX contacted me on XX/XX/XXXX and agreed to withdraw the incorrect information from my credit reports, subsequently being removed from XXXX and XXXX. <P/>On XX/XX/XXXX, I emailed XXXX XXXX at XXXX XXXX regarding the item still being on my Equifax. I received a letter dated XXXX XXXX from XXXX XXXX stating that removal request had been processed with all major credit bureaus. I submitted a dispute with Equifax on XX/XX/XXXX with the attached letter ( Confirmation : XXXX ). On XX/XX/XXXX I called Equifax to follow up on the dispute status and was told it would not be removed since XXXX had not withdrawn the item. I spoke to a supervisor and brought the submitted evidence to her attention. She resubmitted my request and gave me a new confirmation : XXXX. <P/>XX/XX/XXXX I receive the attached notice from Equifax that the item has been " verified '' Either XXXX is not correctly withdrawing this item or Equifax is intentionally damaging my credit with false information.
Consumer complaint received 2022-09-08
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, in amount of {$7400.00} 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 a account without my written instructions
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Attention : XXXX, EQUIFAX, XXXX Per IRS there are XXXX qualifiers for 1099-C Cancellation of Debt : File Form 1099-C for each debtor for whom you canceled {$600.00} or more of a debt owed to you if : You are an applicable financial entity. 
An identifiable event has occurred. 

By definition of the above publication see IRS website link : https : //www.irs.gov/forms-pubs/about-form-1099 c # : ~ : XXXX % XXXX % 201099 % XXXX % XXXX, An % XXXX % XXXX % XXXX % XXXX. 

I am not obligated for the debt that XXXX XXXX has cancelled as an identifiable event has occurred and the applicable financial entity [ XXXX XXXX ] has filed a 1099C cancellation of debt in which they have already written off. I have explained these matters to XXXX XXXX and they've stated they would investigate the matter and provide a resolution. Meanwhile, I've already provided and obtained proof of the filing of the Cancellation of Debt 1099C by the company ( with proprietary account # 's and identifiers blocked out for my protection and theirs ). This XXXX XXXX XXXX XXXX is now showing on my personal consumer report as delinquent ( which is inaccurate ) It should be shown as a closed account and not as a " charge off '' because the company has cancelled the debt as an identifiable event has occurred per their filing of the 1099C Cancellation of Debt. Also, even though the account is no longer active, the Credit Reporting Agencies are allowing the Lender to update the amount of the debt monthly reporting the amount as {$100.00} higher than the originally cancelled amount which was {$2200.00} and is now {$2700.00}. XXXX EQUIFAX AND XXXX are complicit in the violations committed by XXXX XXXX XXXX XXXX against the Fair Debt Collection Practices Act 807. False or misleading representations 808. Unfair practices and is in Violation of Fair Credit Reporting Act. The lender has made their money back through insurance and is now trying to collect in addition to what they've been able to recoup which goes against TILA ( Truth In Lending Act ), this practice has not been disclosed in the agreement signed with the Card company. The Bureaus job is to operate in favor of what is right by law for the protect of the consumer, in this case as with many cases, this is not what has been the experience and something needs to change.
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I submitted the official notorized and police report documented identify theif affidavit in XXXX of 2019. I have attached the very documents they where submitted. This company still has this account showing on my credit report.
Consumer complaint received 2017-07-04
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (ID)

In XX/XX/XXXX, I purchased a vehicle with a loan through Santander Consumer USA. The original amount of the loan was {$16000.00}. I was unable to continue making payments after an unfortunate life event in XX/XX/XXXX. At that point, I requested that the car be voluntarily repossessed from Santander Consumer USA. The car was repossessed sometime between XX/XX/XXXX and XX/XX/XXXX. I received phone calls from Santander Consumer USA advising me that the loan would default and that I would be put into collections and have my credit damaged if I did not pay for the car. I informed them at that point I would not be able to make any payments. I received a notice by mail on XX/XX/XXXX detailing Santander Consumer USAs plans to sell the property ( vehicle ). This notice mentioned that the vehicle would be sold at a private sale sometime after XX/XX/XXXX. On XX/XX/XXXX, I received another notice from Santander Consumer USA that was titled Explanation of Calculation of Surplus or Deficiency. In this notice, it states that the vehicle sale price was {$8200.00} according to Santander Consumer USAs records. I have not received an actual bill of sale to support this number. The balance on this notice was {$9900.00}. The basis of my reaching out to Consumer Financial Protection Bureau is as follows : Balances reflecting on my credit reports have fluctuated and varied in amounts Past Due {$6900.00} Charge Off Amount {$7900.00} Balance {$8200.00} Balance amount reflecting in automated phone system through Santander Consumer USA {$7300.00} Bill of Sale for sale of vehicle was not sent nor communicated in any way to me. Through verbal communication with a phone representative with Santander Consumer USA, was told that my account was charged off XX/XX/XXXX. Also was told that the vehicle was sold on XX/XX/XXXX. Status showing as updated on my XXXX Credit Report as of XX/XX/XXXX as a Closed, Charge-Off Account.
Consumer complaint received 2020-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

I have no idea of charges nothing file by XXXX  at XXXX XXXX XXXX court to call XX/XX/2020 XX/XX/2020 no change in the report this a fraud by the XXXX  and Collection Agency theft by deception.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/XXXX, in response to the XXXX breach, I attempted to place a credit freeze with TransUnion and was told that it would be a {$5.00} fee. This is appalling considering the extent of the breach and experts recommend protecting your credit by placing a freeze. However, if you have limited resources, this fee restricts your ability to place this freeze. Your agency should take the lead on prohibiting credit monitoring and reporting agencies from taking advantage of individuals who want to protect their credit by charging them a fee.
Consumer complaint received 2017-09-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

AN UNKNOWN ERROR IS FALSELY REPORTING A 30 DAY LATE ON MY CREDIT REPORT FOR THE MONTH OF XX/XX/XXXX. AND ALSO FALSELY REPORTING MANY LATES ON MY CREDIT REPORT IN XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (CA)

I have a wells fargo bank account. They sent me a letter saying I qualified for a visa rewards card thru them with a approval number I did the application with that number they sent and I was denied. Now why would my bank that knows my credit score give me that opportunity? They said it was a mass mailing and gave me the run around.it was a hard inquiry on my credit. I feel that it was a unfair decision. Thank you, XXXX XXXX