davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (NY)

I am about to pay off a loan with Wells Fargo Dealer Services. I am down to the final payment. Wells Fargo has twice increased the amount of the monthly payments for insurance that I not only did not need but did not ask for. They repossessed the car three times and every time I was able to find the towing company that took the car and pay the fines to get the car back. I have also not missed a payment in over 2 years, even while paying additional insurance. They double dipped on the insurance and I am not sure it was even legal to begin with. I just want this company to remove the late payments from my credit history. This never would have happened if they just left payment amount alone.
Consumer complaint received 2021-08-20
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: EQUIFAX, INC. (TX)

There are several inquires that appear on my credit report. A large amount of these inquires do not belong to me. I have never applied to these places listed. I was advised to complete a FTC with a list of the items and submit for investigation. Please have these fraudulent items remove from my credit file as soon as possible.
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

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 2021-10-20
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. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2020-09-01
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 — Problem with personal statement of dispute
Company: Phoenix Financial Services LLC (FL)

For longer than past 2 year 2 collection accounts are been impacted my credit records. To start the been reported for investigation because they are not mine, but every single time the collectors re selling the account to another company and the get away with that to report the accounts over and over. After request investigation from the 2 out of 3 credit companies XXXX  and XXXX  they concluding the account are valid and they do not change or modify my report. 
Collection companies send me a letter asking to send a police statement to prof is fraud, after contact XXXX county sheriff office, they told me they are not in charge of these investigations, the job is done by credit agencies. Well my attempts fail over and for more than 2 years and credit agencies not providing anything back to me to validate the fraudulent accounts same as the multiple debt collector that these accounts are been pass over and over. When I call them they just tell me the call is going to be recorded and ask me my name and personal information to access the system after that the questioning back if Im the person on the account and after mi confirmation now Im confirmed the account is mine they told me in bed to paid and is recorded and they disconnect the call if Im no agree on what they said. Same thing happening today as I called XXXX  fraud department and XXXX took my call she asked me my social and after Im pausing to times and she warning me about not guess just one shoot to provide the number she said thanks for calling XXXX  have a great day and hand up the phone on me. 
Same as the debt collector when Im not accepting the accounts are mine. Seems like Im obligated to said yes they are mine accounts even when they are not and pay for something is never been use or order by me? As the only way to solve the problem. Very frustreted.
Consumer complaint received 2024-03-01
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)

My personal information was lost during a relocation in 2019. I begin to monitor my account and have noticed accounts I have not authorized nor have any affiliation with. I see that someone has obtained lines of credit with my information. There are accounts and credit inquiries that I have no knowledge of. The credit inquiries also include : XXXX, XXXX XXXX, XXXX, XXXX, XXXX. I have no idea who these creditors are.

I've contacted the credit reporting agencies notifying them of the issue as well requesting verification of these accounts with no formal response, these accounts are not verifiable.

I have the right to privacy and furnishing these accounts without my written consent is in violation of 15 USC 1681B Furnishing information in direct result of identity theft is in violation of 15 USC 1681 C-2.

I requested that the invalid addresses are removed from my profile, this is also causing accounts to be placed on my profile. These accounts being furnished to my account is affecting my ability to obtain credit
Consumer complaint received 2020-12-02
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. (IL)

Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.
Consumer complaint received 2018-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CO)

A few weeks ago I request my sears card from citi bank be re issued due to the card being lost and the representative told me they couldn't issue me a new card because my account was delinquent and I had to pay off the entire balance before I could a new card and today it was near impossible to close that account after paying it off, the rep tried to keep me as a customer which I understand working in a bank myself. But he mentioned if I did close my card he couldn't send a complaint since I expressed my frustration about the previous rep who answered the phone, after telling him I still wanted my account closed his attitude went from nice to annoyed and closed the account then hung up the phone.
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was shocked when reviewing my credit report and found a late payment reported for 60 days in XXXX of 2020. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Consumer complaint received 2021-02-10
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: Resurgent Capital Services L.P. (TX)

LVNV FUNDING LLC added a derogatory mark on my credit report per XXXX XXXX stating that I owe a current account balance of {$1000.00}. That is incorrect because that is not my account. The Debtors creditor did not verify this collection. Also, there was NO written form of communication, contact, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill and claim its mine. According to the FCRA, LVNV FUNDING LLC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2023-04-03
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was informed by an account representative that my missed payments on the Walmart Store Card, issued by Capitol One, would be forgiven and reported positively, indicating no missed payments for the entirety of my account. However, upon conducting further inquiries with the creditor, I discovered that this was not the case and that no action would be taken in my favor.
Consumer complaint received 2021-10-20
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. (TX)

On XX/XX/2021 I sent certified mail to Equifax, XXXX and XXXX advising them that I am a victim of Identity theft and do have the Certified Mail receipts as proof. It has been over 30 days since Equifax, XXXX and XXXX received my correspondence which contained my VALID DRIVER 'S LICENSE, my Utility bill, NOTARIZED IDENTITY THEFT AFFIDAVIT AND FEDERAL TRADE COMMISSION REPORT, and I have not received any notices that the information therein was Deleted, and yet this False inaccurate information still remains on my file with the last investigation. Because of this defamation of my character being reported by Equifax, XXXX and XXXX, I have been damaged and unable to fairly obtain employment, credits, loans, etc.
Consumer complaint received 2021-10-20
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. (PA)

I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I attached a copy of my affidavit from the Federal Trade Commission. Please be advised that this is my third request, and the unverified items remain on my credit report. I have yet to receive a response from the bureaus which is required by law. Since I have not received any documentation, nor a response please delete the items as soon as possible. Failure to do so will result in legal action being taken against your company.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (NJ)

Hi, I opened an account with Truist Bank, they did not mention I would need to go in a branch. 

After taking XXXX dollars in deposit, they now blacked out my account, so I can not log in. They said I need to go to a branch to unlock it. So I asked them to close it and mail me a check. They said ok. They did not close it. I called a week later and now they are saying they cant close it. 

I want my money returned and the account closed.
Consumer complaint received 2022-08-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Deutsche Bank (NJ)

Hello, I made a wire transfer through my XXXX XXXX account on XX/XX/2022 and the fund were sent to an intermediate bank called Deutsche bank. It has been almost 3 weeks of continues followup and i have requested a call bank on the transfer but the XXXX bank is not responding to XXXX XXXX i have reached out to the bank myself and also XXXX XXXX but there is no response it was {$9100.00} my hard earned money. 

My number is XXXX please help me get my money
Consumer complaint received 2020-09-01
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: Experian Information Solutions Inc. (TN)

I'm desperately trying to get my investigation results. I sent letters over 60 days ago to this bureau and they are disregarding a regular consumer disputes. I'm highly upset and have been sending letters before this with no response. They are clearly breaking the law and do not care to abide by it.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2020-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I owe {$510000.00} on a {$690000.00} loan. I asked for PMI to be removed and the request was rejected because they claim the LTOV ratio is not 80 % or less. My LTOV is 73.97 %.
Consumer complaint received 2018-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MO)

In XX/XX/2018 I learned that a payment that I sent to Synchrony for Care Credit through my bank wasn't received properly. So I noticed that the company offered a multipay option. I knew the payment due date was the XXXX of the month, so in XXXX I scheduled a payment for XX/XX/2018 for the XXXX payment, and another payment XX/XX/2018 for the XXXX payment, and scheduled payments for the XXXX of each month, scheduling payments sufficient to pay the entire balance. 

I logged into the account and noticed the balance was higher than it should have been, and that is when I realized that I was being charged a late fee for each month since XX/XX/2018. I made a payment XX/XX/2018, for the XXXX XXXX payment, but it wasn't credited to the account that way, and instead the company is showing the XX/XX/2018 payment, and a late fee. This continued for the XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, and the XX/XX/2018 payments. 

I have reached out to the company about this issue and they will only remove 1 late fee, but with a {$38.00} late fee being charged every month, they have charged hundreds of dollars in fees for issue that started when I intended to make my payments early several months ago.
Consumer complaint received 2023-04-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I was alerted by XXXX that Bank of America had received information from my credit report on XX/XX/2023. I did not authorize this and have not applied for any credit or loans recently.
Consumer complaint received 2020-09-01
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. (CA)

In XXXX i filed disputes with all three credit bureaus under my understanding they have 30 days to response its has been more then the 30 days and i have yet to receive anything.
Consumer complaint received 2020-09-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC (IL)

There is a class action settlement for the company that I had a loan with ( https : //www.awlsettlement.com/ ), they must have given my information to a collection agency. 
Alliant Capital Management LLC : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, New York XXXX - Toll Free : XXXX Fax : XXXX www.alliantcapital.net They are also calling my cell phone XXXX
Consumer complaint received 2021-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I had account with Capital One Bank they garnish my check inXX/XX/XXXX so now the account is paid in full. I noticed on credit report XXXX XXXX collection opened account {$610.00} XXXX XXXX and the original creditor is Capital One Bank. I didn't authorize Capital One to sell my information and the account is paid in full. this defamation of character I will sue they need to remove this immediately.
Consumer complaint received 2020-09-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

Hi My name is XXXX XXXX XXXX wanted to let you know i was scammed by a person and I authorized the transactions but never received anything back from the person. I am a customer of one west bank. My account number is XXXX. My address is XXXX XXXX XXXX XXXX XXXX CA, XXXX. I need my money back because i am a current XXXX  at XXXX and I need my money back from the scammer.
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (TX)

I had a charge account with American Express for years that was in good standing and paid off every month. In XXXX, I lost my job and my home after Hurricane Harvey. I finally got a permanent address when I rented a home in XXXX. Now I am trying to use my VA Loan to get a mortgage and my lender said this information by American Express is preventing me from getting a home. He said it shows on my revolving credit, it is derogatory, and the amount is closed. I made a few charges almost four years ago, but nothing even close to what they say my derogatory amount is.
Consumer complaint received 2019-03-10
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. (AR)

Hello I recently submitted a dispute that was on Experian credit report the entry was state of Michigan child support for {$1600.00} once I notice it I called and then payed online the same day I went Experian week after and asked for a dispute the balance would show correctly I submitted documentation that was the receipt that wased processed from payment and copy of bank showings the payments where taken out and with the proof the refuse to show correct balance and I asked about the time length of the item been on my credit report because the item has been on my credit report since 2003 and after 7 years it should have feel off but they refuse to follow the laws
Consumer complaint received 2019-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (PA)

I recently relocated. I updated XXXX XXXX  card services with my new address. My phone number remained unchanged. I received a balance transfer offer from XXXX so I decided to take advantage of their 12 month no interest offer. I called and provided XXXX with the balance transfer information. It was accepted, processed and I have already made payments on the transfer. One week later, I attempted to use my XXXX card and it was declined. When inquired as to why, I was informed the representative that initiated the balance transfer reported there was suspicious activity during our initial phone call. When I inquired as to why Comenity did not contact me with their suspicions, they stated the transfer was completed at XXXX and they will not contact customers prior to XXXX. I asked why someone did not contact me at any point after XXXX on any day, the agent, XXXX, kept repeating that they do not call before XXXX. When I pressed the issue again, XXXX, become belligerent and demeaning and I felt very dismissive because I am a woman and a senior citizen. He ended my call by pretending we had a poor connection. I was extremely upset and felt XXXX took pleasure in my frustration, I called back later, spoke with a different representative named XXXX who attempted to remedy the situation by allowing me to input my personal information on their secure website to unfreeze my card. XXXX mentioned they allow customers to input their information on their site routinely in this manner. XXXX interceded and did not allow me to do this. XXXX refuses to unfreeze my card until I provide them photocopies of my drivers license, social security card and a utility bill in my name. I am uncomfortable sending this information via mail but XXXX informed XXXX that was the only means that he would accept. I sincerely believe XXXX is a XXXX agist and revels in causing female senior citizens distress. This would have been resolved months ago had XXXX just contacted me.