davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-22
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. (NV)

Disputes were submitted on XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX to Equifax, XXXX XXXX and to XXXX. The lack of communication these agencies give is utterly ridiculous. As a consumer, it is my right to dispute inaccuracies on my credit files, in which I have. However, these agencies have violated the Fair Credit Act by not responding to my concerns.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (TX)

Discover bank continues to show I am past due on a charge off account. There are no payment no due dates and the account has been charged off and balance remains. I have tried to pay multiple times and discover has refused to accept money from me. The Date of first delinquency is past the statute of limitations. This account should not be on my bureaus.
Consumer complaint received 2022-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (TN)

My account was compromised by a fraud phone call I received in which I thought the call was from my bank because it was my actual bank number that showed up on the caller ID, then shortly afterward my account balance went to XXXX to a negative, I went to the bank they then required me to get a police report which I did, and they still haven't released my funds. I went back to the branch on yesterday XX/XX/XXXX to get an update and they stated it would be another 2-3 weeks because they forget to file my claim for my money to be release.
Consumer complaint received 2020-10-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (GA)

My car was deemed a total loss on XX/XX/XXXX of 2020. The lender, Wells Fargo, was notified that my car was totaled by the insurance company, XXXX, in early XXXX. Wells Fargo is continuing to charge me late fees for a payment that should have been made post my car being totaled and them being notified that the car was totaled. I was under the impression that all payments and late payments should be stopped and the insurance company should be responsible for anything outstanding. 

I am now being penalized daily for late fees and past due payments because I'm waiting for Wells Fargo and XXXX to finish communicating about my loan payoff. This does not seem like a fair practice. To charge consumers egregious costs due to the company 's own slow processing times is unjust. 

I can share more about the details of the case as well as provide emails. Thank you for your time.
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter 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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2020-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have continually disputed a collection from XXXX student loan collection agency to Transunion and XXXX and XXXX. Each time i dispute it, they say they verified the information as correct. NO they didn't. No payment was made on the student loans in over 18 years and yet they are allowed to keep ruining my credit by posting that i made payments in order to justify keeping it on my report. This is illegal, and i am filing a lawsuit if they are not removed. This is my last attempt to get these credit reporting companies to remove the collection account. There is a 7 year limit from the last payment made, and it has been 18 years.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NC)

I have paid XXXX and XXXX as well as several others to help with identity theft and recieved no services. Irs cant get no transcripts nor mail to me and the paper I did get provides false info and I can not access my account I have reported to local authoritys as well as US Marshalls and SBI do to a county retaliating against me for a wrongful conviction Im trying to get in court and I need help
Consumer complaint received 2021-05-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX. 
{$610.00} Balance updated XX/XX/2021 This account does not belong to me
Consumer complaint received 2020-10-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF THE WEST (CA)

Bank of the west is charging me out of the air and their explanation is that they do not know how they get their figures. 

# 1 Bank of the West costumer service in real estate dept. is clueless about the problem and they not willing to correct it. 

# 2 their accounting Dept. is not communication at all to correct the issue and they turning blind eye on me. 

# XXXX Bank of the west is throwing numbers out of the air with vague explanation of why the monthly numbers are not correct. I spoke to bank manager and the person agreed that nothing make sense, accounting does not make sense. I ask for them to audit their account to investigate their unfounded fluctuating fees and bank of the west said they will not do it. Here are the issues : I had a HELOC account for about 2 years and on XX/XX/2020 I applied for emergency disaster forbearance. I was on forbearance for 3 months and and my end date was in XXXX of 2020. I communicated with bank of the west and asked what is the final amount to pay for the 3 months of forbearance so I can catch up and get to normal chargers. They said {$1800.00}. I paid {$1800.00} in XXXX XXXX see image In XX/XX/2020 I get a bill for {$480.00} and I paid it thinking by now this is correct and account is back to normal. 

In XX/XX/2020 I see my account online about {$900.00} was due. I called and asked what is this high fee for and the reply was that is the remaining balance for the forbearance. After XXXX days Bank of the west corrected it to {$170.00}. Which did not make sense and they did not give me explanation what is {$170.00} is for. I paid {$170.00} to satisfy this bank. By now I started to suspect that Bank of the west playing scam games or fraud charge tactics. 

In XX/XX/2020 I get a bill for {$520.00}. I paid it In XXXX I get a bill for {$400.00}. I called Bank of the west asking why is XXXX bill {$520.00} and XXXX bill dropped to {$400.00}. Bank of the west answer was that XXXX bill has some remining balance of the forbearance. At this point I HIGHLY SUSPECT Bank of the west is XXXX  me as we confirmed in XX/XX/2020 the payment of {$1800.00} was the final bill to end the forbearance and this bank scamming me. their accounting does not make sense at all. AND I AM NOT CONFIDENT THAT THEY BEEN CHARGING ME CORRECTLY SINCE I GOT THIS HELOC. 

I checked some past recites and again I see high and low accounting charges. I want this bank to be audit since opening HELOC ACCOUNT to date, specifically my HELOC account
Consumer complaint received 2022-04-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (DE)

An unauthorized opened checking account done under my name without my authorization. Received letter from Chase Bank on XX/XX/2022 regarding activity activity on checking account and that account will be closed. Received business debit card in the mail under my maiden last name today XX/XX/2022.
Consumer complaint received 2021-06-07
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: TD BANK US HOLDING COMPANY (NJ)

XX/XX/21, I received a TD Bank debit card in mail. I know I did not apply for one. Several months ago, I identified a claim for NJ Unemployment benefits opened in my name ; so this may stem from that. I called TD bank who stated there already was a block on the card so no one can use it, and my complaint that this account was opened fraudulently may speed up their investigation. i was told the card can not be used and my the account opened in my name was notated of the possible fraud. TD bank directed me to contact the FTC regarding this breech.
Consumer complaint received 2020-01-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: OPORTUN FINANCIAL CORPORATION (CA)

Oportune called my job, asking for information about me. 
They are constantly calling my supervisor They call very frequently, when im at work I called them and the lady said that i have to go to court, at a certain time to get the problem fixed. I told her for that i need writen proof, but she incisted. And said they were gona keep calling, even when i told them i was planing to pay and gave them information about my debt relief.
Consumer complaint received 2020-10-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

I have had 3 instances of large purchases being made on my Home Depot credit card. I have disputed the fraudulent purchases with the credit card company. On Friday, XX/XX/XXXX I received a letter saying that I was found to be liable for one of the fraudulent purchases. 

The purchase date was XX/XX/XXXX, in the amount of {$6100.00}. It was an in-store purchase at a store I've never been to. The card transaction says " XXXX '' and I think it's a store in XXXX XXXX. I disputed the transaction and the security investigation found that I am liable for the charges. 

There have been multiple large in-store purchases. I believer that there is someone, probably a store employee, that has stolen my information and is using it to make these purchases. 

The second issue that I'm having is that every time I've called to dispute one of these transaction, I ask that the card be shut down so that no more purchases can be made on it. I don't know if there is someone else asking that the card be re-issued or if they are just not honoring my request, but the card has remained active even after I have asked multiple times that it be closed. I have been of the understanding that the card has been closed and I don't find out otherwise until another fraudulent purchase has been made.
Consumer complaint received 2023-04-04
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)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I am a victim of ID Theft since 2013 IRS, for the past year and a half I have also had to change my bank cards which is an awful inconvenience for me when paying my bills. I contacted the credit bureaus and the companies involved and ask for them to remove all negative items from my credit file. I mailed a copy of a police report to all of the companies and I am waiting for their responses besides actions. XXXX XXXX was excellent and responded immediately. I am waiting for XXXX and Equifax besides the companies which I spoke with explaining my situation.
Consumer complaint received 2021-06-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Opened an account with Bank of America. Funded it with just over {$1000.00}. They closed it a couple of weeks later. They say they sent a check in XXXX, but i never received it. Now they are saying I have to wait 120 days for them to reissue me a new check. I didn't even want the account closed.
Consumer complaint received 2020-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX and Experian refuse to update my account being reported by XXXX to Experian as Paid In Full as of XX/XX/XXXX. 

I requested an investigation from Experian into this account to have them update the balance, status, etc. On XX/XX/XXXX, the investigation results from Experian stated that XXXX verified the information being reported is accurate as is and no changes were made to my report despite providing payment information to Experian showing the account has been paid. 

As of XX/XX/XXXX, the XXXX loan on my Experian credit report shows a balance owed of {$510.00} and the account is being reported as open and 30 days late.
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have requested this to be verified several times with no resolution, I have child support that is not only being reported incorrectly, it's actually showing up twice on my report with incorrect amounts, incorrect dates, and I was never notified it would be put on my report. I have attached a screenshot of my credit report showing multiple reporting.
Consumer complaint received 2023-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NE)

This debt is not mine. I have no knowledge of this account and filed a report an online fraud report already. I have disputed this through the credit bureaus and no action was taken, nor was proof of the investigation provided to me. 

Debt amount is showing as {$1100.00}.
Consumer complaint received 2019-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: DISCOVER BANK (NV)

Due identity theft a security Freeze was placed on credit report report since year of XXXX current as of XXXX, Discover fin svcs LLC is an account now in colletion and has been since XXXX, due to myself sending XXXX evidence of police report copied ID, ssi number, they removed account off my credit report,XX/XX/XXXX, XXXX has allowed this company to replace on my report again as of XX/XX/XXXX without informing me about this information, the prosendings was not explained to me in writing by XXXX and why this happened.has caused hardships and mental health for me and family. Thank you
Consumer complaint received 2020-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dana & Pariser Co.,L.P.A. (OH)

I was approached after a year with a debt that I feel I dont owe. I explained this to the company and requested a debt validation ... they responded 3 days later with call us ... I then expressed my concerns and explained I paid all my debt to the company they are trying to collect for and again ask for a debt validation letter via email with no response.
Consumer complaint received 2018-02-10
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. (FL)

I have requested this to be verified several times with no resolution, I have child support that is not only being reported incorrectly, it's actually showing up twice on my report with incorrect amounts, incorrect dates, and I was never notified it would be put on my report. I have attached a screenshot of my credit report showing multiple reporting.
Consumer complaint received 2021-02-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

We were offered the covid relief to suspend payments for a certain time during XX/XX/2020. We did 3 months then wanted to start making payments again but was told we would have to do some type of modification called " trial payments '' to see if we could afford the mortgage. We never heard of this and never said we couldn't afford the payments. The trial payments was sent but they keep putting them in a suspense account ( to make interest off our money ) and not apply them to our account. Then when I called more than once I was given scripted speech. I have written letters to them to ask why these payments are not being applied with no response. I also had an overage in my escrow which they said I could not get because the account is delinquent. The account would be current if they would apply the payments that have been sent to them. Then the 2020 XXXX XXXX XXXX which I had to access on their website is also incorrect because the money they have in the suspense account hasn't been applied for the 2020 year. I just need this account to be brought current and all the shady business to stop.
Consumer complaint received 2019-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

USAA suggested I consolidate two credit cards through a non-profit organization, XXXX. An XXXX and VISA. They were approved for consolidation on XX/XX/2019 through XXXX. Three payments have been made by XXXX to USAA on my behalf. USAA charged me two months of high interest and fees before updating the XXXX to the agreed upon 3 % APR. The VISA is still at a high percentage and USAA tells me its in pending. It's almost 4 months now and USAA sends me to different departments when I call without resolving the issue. I'm just a XXXX veteran who's trying to pay off debts without having to go bankrupt. I believe that USAA is prolonging the process to greedily over charge me. It's not a lot of money to a big bank like them but its sure a lot of money to a lower waged veteran like myself. While I budget every dollar to make sure my family can eat school lunch, USAA piles on fees and interest than claims they care about our service members and veterans. Been with USAA for years. With this situation USAA has promised fair services to a XXXX veteran but didn't hold up there end of the bargain.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I was robbed last year and lost my backpack, including all my IDs, electronic devices, and wallet ( had XXXX XXXX XXXX credit card in it ). I wasnt able to get access to my account and paid off my remaining balance on the card on time since I lost my identity. After I got my IDs replaced, I made a settlement payment to end with XXXX 's on a good term and close my account since I don't know if someone else could be potentially using it. However, my credit report on XXXX, XXXX, and Experian shows this as a negative delay on the payment, which I wasn't able to make due to this terrible crime that I was a victim of. My credit score also dropped drastically due to this negative record. I have filed multiple disputes on Experian since XXXX, and they wouldn't agree to delete this record even though they agree what I stated appeared to be accurate. This is not fair!
Consumer complaint received 2023-04-04
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. (OH)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2022-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2022 Transunion ( XXXX ), I sent a letter regarding inaccurate and unknown items listed in my credit report. To this day, over 30 days later, I have not been given a conclusion to this matter. I am unfairly being treated. F

CRA Section 611A, clearly stated that the credit bureaus to investigated these items or immediately delete them. The credit bureau also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ). The credit bureaus are supposed to complete all investigations before the expiration period under Section 611 ( a ) ( 1 ).
Consumer complaint received 2020-10-19
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)

I have been having so many issues in regards to my identity being stolen. I spoke with XXXX, equifax, and XXXX  and sent them all the documents required, and i have yet to hear anything back from them. Nothing has been removed or fixed and my personal life and credit score have been hit extremely hard.