davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: American Credit Acceptance, LLC (CA)

Ignored my form of payment which was legally compliant a bill of exchange would not return or credit my account harassed me day and night dispute my cease in desist letter sending debt collection letters with there logo on envelope, collected my debt cancellation insurance 6 months into the contract lied and said it was reposed so I rescinded my sales contract with the dealer they denied me a copy of the contract because of the fraud I allowed 20 days for them to pick the car up and they did not so the car became my property 4 months later they continued harassing calling over n over and stole the vehicle from my private property which also was not registered and exported to my private estate causing an elimination of any said title leaving my master title to be the only one on the record now they will not return it even after I paid they are bullies and must be stopped they just finished XXXX XXXX dollar wrongful tow settlement they dishonor my bill of exchange which discharges my debt they need to learn that laws are in place and not to be broken
Consumer complaint received 2021-07-07
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 — Their investigation did not fix an error on your report
Company: Financial Credit Network Inc (CA)

On XX/XX/2021, I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XX/XX/2021, your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. On my previous dispute dated on XX/XX/2021, I attached a copy of my credit report, I circled the disputed items that I needed deleted. I also included copies of my social security card, drivers license, utility bill and the reasons why these items should be deleted. FINANCIAL CREDIT NETWO, Account # XXXX
Consumer complaint received 2017-11-28
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: WELLS FARGO & COMPANY (TN)

in XXXX 2011 Wells fargo took {$320.00} from my checking account for an over draft from another checking account that was over drawn, SinceI only had 1 account with wells fargo I protested and was denied any satisfaction. several months later the same thing happened with {$190.00} in my checking account and so forth, every time I deposited oney, I verified with bank there was no over drawn account, it was clear, several days or weeks later it would happen again. Finally we found out there was a 2nd invisible account tied to my checking account that was accruing overdrafts to the tune of {$1400.00}, the account was never closed and kept accruing charges, I paid nearly {$900.00} towards these charges before the bank manager closed the account. then several months later i was being served for debt in the amount of {$720.00}, whereas I was found liable and scheduled to pay this amount, I was able to pay approximately {$380.00} of this afterwards due to a XXXX I was no longer able to work. All told Wells fargo took around {$980.00} from my checking account and an additional {$380.00} from the judgement. I still do n't know if the account is actually closed or not, I can not get a straight answer from Wells Fargo.
Consumer complaint received 2017-11-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Greenback Recovery Group, LLC (AZ)

On XX/XX/XXXX I gave Greenback Recovery Group permission to withdraw {$50.00} from my bank account. I gave them my debit card number so they would be able to. This was a one time only withdrawal. On XX/XX/XXXX or XX/XX/XXXX they withdrew anther {$50.00}. I did not give them permission to do so. I have attempted to reach them to notify them they are not allowed to withdraw any funds from my bank account. To make sure they do not withdraw more funds I feel I have to get a new debit card. 

The agreement I had made with them was for me to make a payment once per month. Now I am not even sure they are a collection agency that has been hired to collect a debt. 

Please help me resolve this.
Consumer complaint received 2021-07-07
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)

On or around XX/XX/XXXX I noticed XXXX XXXX was on my credit report I know thats account was cleared however XXXX  and equifax has it as a derogatory account. It took me three days to dig up this exhibit # 1 to prove XXXX XXXXnis full of XXXX and have committed fraud by falsely reporting inaccurate information. Attached you will see a refund the account was closed XX/XX/XXXX and yet its till being reporting why? Because XXXX XXXX is a fraud and they do crooked XXXX to original creditors/consumers. 
The law states that and communication means conveying information regarding debt directly or indirectly to any person through any medium wells fargo is in violation of 15 usc 1692a also in violation of 15 usc 1692 c because I sent a cease and desist. Im addition I was violated because they submitted inaccurate information misleading information under the law 15 usc 1692e and 15 usc 1692f unfair practices you ruined my reputation by reporting inaccurate information for 2 years Whats XXXX me off is that XXXX XXXX would have gotten away with fraud if I didnt find this document so Im demanding this be removed immediately Equifax and XXXX  did no investigation when I spoke to a representative they told me it was correct no results from the dispute I submitted its a joke they have also violated my consumer rights they did not address my concerns I had to dig deep for three days to find proof and submit exhibits they do a half XXXX job/ no investigation and if they did and investigation show me proofed XXXX you found follow the law laws listed above this needs to be removed immediately
Consumer complaint received 2017-11-25
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)

On XX/XX/XXXX, I submitted an application for a credit card with my local credit union, XXXX XXXX ( XXXX XXXX, XXXX XXXX, CA ). I was told that my application was pending and that I would be notified of the response within 24 hours. It is now XX/XX/XXXX and I have heard nothing from the institution. Moreover, the inquiry on my Experian credit report is for an installment loan, rather than a credit card. Due to the inaccurate information reported, I would like the inquiry removed from my credit report at once. Due to the unprofessional conduct of this bank not notifying me for several business days after my application, let alone within the 24 hours stated at the time, this bank should be flagged in the CFPB system.
Consumer complaint received 2024-06-10
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: Fundo LLC (PA)

XXXX claims I a man oweXXXX. I am not in receipt of lawful verified proof that I a man owe XXXX or any sum of money. So that I can make arrangement. Please provide verified lawful proof of this obligation I XXXX owe.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OH)

I have been trying for months to get my credit score from this company, they never help me, all they do is tell me to send copies of my identification to the credit company and nothing ever gets solve, first I wasn't able to get my credit score now I cant even log in to my account ... .this is ridiculous
Consumer complaint received 2017-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

A few month ago I called You Bank of America to ask if windstorm coverage was necessary, since the loan ( {$220000.00} ) to value ratio was low ( home is appraised over {$2.00} XXXX ). The land value alone is valued at more than tree times the actual loan we hold from you. In any case, the answer I received from your office Was NO, no need for it. We changed our carrier because we found that they would included all of our needs in one policy, ( Cars, Collectibles, Umbrella, Contents, etc. ) Now after all is done, you are requiring us to get windstorm!? We even went trough a mayor Hurricane and nothing happen.. not one claim! The house was build beyond the requirements of the building codes. 

We have been for years very good customers, even through hard times! We have been paying mainly interest with very little principal ( that should be illegal ), without complaining. I have spent TWO hours, mainly on hold try to ask to speak to supervisors ; no help, the answer Ive got was to send a letter, by mail! I asked for a name and email NO there is no such thing
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX, OH XXXX my SS XXXX and is DOB XXXX please delete the following fraudulent addresses from my credit file : XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , PA XXXX XXXX XXXX XXXX, XXXX , OH XXXX I have phone numbers on my credit file that do not belong to me. Please delete the following numbers : ( 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 i would like a new credit report as soon as possible.
Consumer complaint received 2022-03-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

When terminating the lease with XXXX we spoke with multiple agents including office manager XXXX of multiple conduction along side fire hazard as well as molding within the unit. Due to XXXX XXXX we as tenants were forced to move out. With that being said a home was purchased and upon agreeable conditions we would provide 60 day notice and terminate the lease with zero penalties and no additional cost, Today XX/XX/22 a notice of collection was received in the amount of XXXX for breaking the lease and whey conduction information XXXX could not provide any further information as she was not aware to what charges were issued to us as tenants. All documentation of move out were conducted with XXXX and a fellow leasing agent who has been terminated based on this case. we as tenants or consumers were never notified of move out cost or a final bill. notification came directly from collection agent.
Consumer complaint received 2017-11-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NV)

I am a co-signer on an original XXXX XXXX loan obtained in XX/XX/XXXX and now owned by Navient. The primary borrower has been sporadically negligent on the loan payments as of the first year ( XX/XX/XXXX ). The last payment was made in XX/XX/XXXX and due to the consistent decline in my credit score ( solely as a result of this account ) and retirement on my horizon, I am currently attempting to pay-off the loan in full but trying to negotiate a lower pay-off amount. In the past year, I have been called by Navient repeatedly and harassed to the point of hanging up. I have spoken to many representatives and have been informed that my current lifestyle does not reflect a legitimate hardship and, therefore, does not warrant a lesser amount than the full balance. I am currently seeking employment but my monthly debt is being paid promptly and several items have been paid off with the equity of my home refinancing. As a XXXX year old women with a 20-year XXXX XXXX XXXX background, I can assure you, something is gone awry here. At the start of each conversation, I am consistently professional, hospitable and courteous - none of which they have been. As I try to speak, they speak over me. I have asked to speak with someone in management above them and they claim that is not an option. I have asked for an email address to further the conversation and I am referred to their website. I have been told I am lying and that I am " fully capable of making the necessary payment but choose not to ''. By the end of each engagement, I am frustrated and emotional. I have been threatened and accused by their representatives and this is an unacceptable method of doing business. I would like assistance in resolving and closing my account - with intention to never refer Navient or do business with them again! Thank you.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I financed a XXXX  XXXX XXXX from XXXX in XXXX. I traded in my XXXX XXXXXXXX XXXX XXXX and after transaction was complete I asked what to do about further XXXX  payments so it would not hit my credit as late and XXXX told me no worries we will handle that just take it off autopay so they will not charge you. 2 months later I had a late payment on my credit for the XXXX. I texted them and XXXX said it was paid off in XXXX and the credit report would update to never late at some point. I disputed the late payment with Capital One through XXXX XXXX and was told they wouldnt remove it for some reason?? On top of all of that XXXX did in house financing through XXXX XXXX and hit me with another late payment on my XXXX in XXXX even though I have email receipt from XXXX XXXX with the correct payment date on it never being late and asked them to fix that as well over their online app chat and was told to basically go XXXX myself. This company is destroying my credit on top of the fact the XXXX I got is a lemon vehicle so literally all I want is the late payments deleted so I can go back to my life.
Consumer complaint received 2021-07-07
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: Experian Information Solutions Inc. (MO)

The following accounts do not belong to me, nor have I ever engaged in any type of business with these unauthorized and unknown companies. I'm demanding that the credit reporting agencies provide me with A Method Of Verification used to report such accounts on my report. These accounts shall be removed immediately. 

1. XXXX XXXX {$120.00} 2. XXXX XXXX {$670.00} 3. XXXX XXXX 4. XXXX XXXXXXXX XXXX XXXX {$4000.00}
Consumer complaint received 2022-09-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (NV)

I was conned by a scammer, acting as a representative of my bank, into providing information regarding my online bank account. The scammer accessed my account with XXXX, and used Zelle to make a series of unauthorized transactions, in varying amounts, totaling {$2000.00}. 
This happened within 2 minutes of my call with scammer. I called my bank immediately and froze all accounts, and found I had been scammed. I opened a complaint with my bank, XXXX XXXX XXXX XXXX, who then opened a complaint with Zelle. Both entities refused any compensation, and I currently can no longer make Zelle transactions. 

I never authorized access to accounts, nor any transactionsbut I did provide sensitive information to a con man.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I just recently reviewed a copy of my credit report. I very Shocked to learn that Ive been a victim of identity theft. I found numerous accounts and inquiries on my credit report that were not open by me. This has been unjustly harming me as I am in the process of getting a home for my family. Please remove the fraudulent accounts and inquiries from my credit report as soon as possible. In accordance with the FCRA, specically sections 611 ( 15 U.S.C. 1681i ) regarding the correction of errors and sections 623 ( 15 U.S.C. 1681s-2 ) concerning this I demand immediate action to expedite this investigation and removal of the inaccurate collection account from my credit report. Given the substantial impact of this issue on my nancial standing, I stress the need for a resolution within 24 to 48 hours. The urgency can not be overstated, as it affects my mental and nancial health. 

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 2017-11-28
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

Between XX/XX/XXXX and XXXX 2017, Wells Fargo began taking {$5.00} a month because my savings account was below {$300.00}. I did n't receive clear warning or notice of this fee.
Consumer complaint received 2021-09-11
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. (KY)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.
Consumer complaint received 2021-07-07
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alliant Capital Management LLC (CA)

I requested a true signature contract signed. And never received one. The company sent a limited contract in name only.The company XXXX  XXXX XXXX. 
Corporate collections department XXXX XXXX XXXX XXXX 
XXXX OH XXXX
Consumer complaint received 2017-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX XXXX 2017, When the Auto dealer XXXX XXXX, XXXX Texas. retail repair store offer me replace new parts On key and Ignition lock, I agreed. However, they cheating whole thing, Deliver me to totally without replacement, instead just gave me 1 used key Which even not work on remote open door, only do ignition So they cheat me {$460.00} for non replace non service. 
XXXX that dealer also made fake invice, intentionally make wrong my email and address and tele number so as skip their headquarter survey afterwards. 

While I have presented lot evidence to XXXX XXXX creditbcard, they Kick ball, made no faith to customer card holder.
Consumer complaint received 2017-11-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BTH Management (VA)

I received a call from XXXX XXXX XXXX for XXXX XXXX  pay day loan XXXX was the rep I spoke with he did n't state that he was trying to collect on a debt or that the call was recorded he offered me a did on the acct I said I could n't do anything until XX/XX/XXXX and he stated the company was n't going to wait that long that they litigate XXXX all the time and that 's what is going to happen they will use me for the acct said he was going to put that I refused to pay.
Consumer complaint received 2023-02-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I contacted XXXX two weeks ago, because my credit report is stating a deragatory mark that has been there for over 60+ days. The problem is I requested a copy of my credit report and all of my accounts are showing up in good standing, and I can't see any deragatory marks. I told this to XXXX and they told me that they can't talk about any information from my credit report. My credit score has gone down because of this deragatory mark, and I can't even dispute it because it is not showing up on any of my accounts. I've looked at my reports from all three major bureaus. Transuinon and XXXX are both reporting a serious delinquency/deragatory mark 60+ days, but XXXX is not XXXX I've attached my three credit scores from the major three bureaus. 

So to summarize, both XXXX and Transunion are reporting a not existing delinquency and it's not even showing up on my credit reports, causing my credit score to drop over 60+ points. XXXX is reporting the accurate credit score. You can see in my attachments that all three bureaus show Accounts ever late : XXXX, and collections : XXXX. So where exactly is my deragatory mark??
Consumer complaint received 2022-03-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: OneMain Finance Corporation (PA)

Onemain financial is holding a loan against me that I did not apply for and provided no evidence or proof of it was me that got the loan. It was a result of identity theft and they provided signature proof stating that it was digital meanwhile it wasn't a wet signature XXXX with docusign it was an automated sign. Secondly, they showed a void check with my bank info which I don't understand or know how they got and they stated that I took and refinanced a loan for kid braces. Meanwhile, I have health insurance and my kid has Never even gotten braces. I never made payments from a XXXX XXXX XXXX account which they stated or refinanced. It was a fraudulent loan when I had my identity stolen and I paid the chargeoff once it hit my credit as I didn't know you could dispute debt. If I had known that you could dispute debt I would have never paid this as I didn't know what to do as I had never had my identity stolen before. But this is not my application. Please review the enclosed documentation.