davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I have been writing letters to this company for more  than two years. I 've made several request for this company to investigate, re-investigate, requested copies of th eir INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in place even tho  ugh TWO YEARS has already passed.
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Alll I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files docu  ments. Nothing at all.
Consumer complaint received 2015-06-05
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (MI)

I 'm currently in the last stages of getting approved for a mortgage. 
I was approved up until they found that I was late on XXXX payments with AllyFinancial ( XXXX, XXXX and XXXX ) The payment date is on the XXXX, and afterspeaking with customer service they confirmed that I was not late on the XX/XX/XXXXpayment, although it did show that on my credit report. I have been a long time customer through your company for many years and hope that you will take that into consideration. Correcting this situation and hopefully retracting the other XXXX late payments from my credit report will help me immensely and willbe the only way I can improve my credit report and get my dream home. Your anticipated prompt consideration and cooperation with this matter is greatly appreciated. Once again, THANK YOUXXXX XXXX
Consumer complaint received 2019-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have 2 hard inquiries that I did not authorise on my transunion credit report. Both of them are from XXXX and they are inquired on XX/XX/XXXX and XX/XX/2019. One of the inquires I found out provided a phone number which is not mine. The number is XXXX. I have now deleted that number from my transunion account. I called transunion on XX/XX/2019 about this and they asked me to call XXXX for letter of deletion, but XXXX can not provide me with the letter since I dont have an account with them. Transunion told me they can not dispute those 2 hard inquiries without the letter.
Consumer complaint received 2015-05-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

I attended XXXX XXXX University, XXXX XXXX and XXXX XXXX XXXX XXXX. Navient is the loan servicer for XXXX of my private loans ( # XXXX & # XXXX ). They are demanding a combined minimum payment of {$470.00}. My income is about {$24000.00}, per year. I can not afford that payment. I have called and talked to the people at Navient and they offer me no solutions, yet I know there are programs out there to help me make my payments. I want to pay, but need affordable payments. Navient is not interested in helping me. Instead they have trashed my credit report reporting me now as 4 months late, even though I keep trying to get their assistance.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I recently pulled a copy of my credit report and noticed the following information are in error. 
Credit Inquiries The FCRA states that the only permissible purpose for pulling someone 's credit report is Firm offer of credit XXXX XXXX XXXX Order The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and Fact Act Free Disclosure Please remove these inquiries from my credit report immediately. Thank you.
Consumer complaint received 2019-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WA)

My payments are sent automatically through my banks bill pay service on the last business day of each month. 

On XX/XX/16 the payment sent was applied to my account XX/XX/16 as principal. This made my future payments appear as if they were late and generated late fees. When I got a notification that my account payment was late, I spent several hours over multiple days getting statements and trying to find out what happened. When the error was discovered I was told my the customer service agent they could not help correct the mistake but would transfer me to another department where I was told the money was already paid to the investor and could not be corrected unless I made an additional payment or applied for a hardship assistance. I met with an attorney who said not to apply for the hardship assistance because it was not my mistake. Eventually I did end up applying in order to try and get everything back on track and was denied because it wasnt a hardship. 

I am trying to refinance my loan and was cleared to go by my mortgage broker. He told me not to make my XXXX payment because we would be closing before the XXXX. On XX/XX/XXXX the broker called to let me know Wells Fargo was now reporting me late for the month of XXXX and I needed to make the last payment which I did on XX/XX/XXXX and it posted XX/XX/XXXX. On the XXXX I was told by the broker because Wells Fargo reported a late payment in the last 12 months, I was no longer eligible for a refinance and the original error needs to be corrected. 

I need my credit report to reflect on time payments which requires the original error be corrected and fees reversed that were generated from this initial error.
Consumer complaint received 2019-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These fraudulent accounts are reporting on my credit report XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BofA did not give full disclosure of their intentions with my social security number, properly autographed/ endorsed documents, nor to me being a co-signer pursuant to federal law 16 CFR 444.1 ( k ). BofA did not disclose that there would be an alleged debt pursuant to the emergency banking act [ HJR 192 PL 73-10 ]. BofA agents instructed that I sign as borrower, which is a direct violation of the FDCPA ( Fair Debt Collection Practices Act ), forcing a " consumer '' into an illegal contract. Which included installment payments which is illegal because interest secures all debt obligations in the UCC ( Uniform Commercial Code ). I made the accommodation ( initial extension ) of credit in full consideration / satisfaction for the service obligations to BofA by my signature/ autograph transmitted to BofA pursuant to UCC 3-419. The actions of BofA have been and continue to be false and misleading representation pursuant to 15 U.S. Code 1692 ( e ) ( 2 ) ( A ) and 15 U.S. Code 1692 ( e ) ( 2 ) ( B ). BofA has no interest and is not on the original contract.

BofA actions are also in violation of TILA ( Truth In Lending Act ), whereby they did not disclose to this consumer the right to rescind within 72 hours. There is a rescission clause in every contract. given to you with my credit card defined in [ 15 US Code 1602 ( L ) ] and it reads The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I gave you my social security number on a credit application, which is a negotiable instrument, properly indorsed, and you have not released the credit due me.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

Paid debt through XXXX XXXX. Was told one payment was paid that this would be removed from credit. It has been well over 6 months since Ive paid this account off. Also, it been well over 7 years that this account has been reporting. 10 years to exact. Remove!!
Consumer complaint received 2020-08-23
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. (IL)

Fraudlent charges on my XXXX XXXX that I did not make, they say I benefited from things but their is no proof of such thing. 

Under federal law I reported the problem in a timely manner and should be removed from my credit report.
Consumer complaint received 2016-09-27
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I always pay my bank of America bill on the due date at night once I get home from work and get my family settled in for the night. Last month, I did this and it said the system was down for maintenance. I spoke with a customer service rep who said no late for would be added since it was their fault. So I called the next morning and paid the bill. Again I spoke to a customer service rep who said she could not see where a late fee had been added but to check my bill and let them know. I got my bill this morning and there was a late fee. So I called a third time, the woman I spoke with waived the fee but advised me that I needed to pay in the morning or a few days early because they always do maintenance at night. I explained to her that night was the most convenient time for me the customer, and if that were the case then they needed to move my due date. She then tried to set me up on automatic drafts, I explained that I was perfectly capable of keeping up with my finances better than they ever could. She told me that they had advised me of the fact of the updates at night and they would not be able to waive the late fee again. I would like to write someone a message or email at bank of America but there is noway to contact them other than by phone or writing, so here I am. Updates should be done between the hours of XXXX and XXXX to avoid inconveniencing the customer and adding a late fee when its their fault. I have never had a customer service rep be so rudde to me and tell me it was my fault when I tried to pay the bill on the due date but it was their system that decided to update on my due date.
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc. (MO)

Comentou Bank, the issuer of XXXX XXXX XXXX, has been sending me already mistimed mail in regards to my account. I opened the account about two weeks ago ... havent had the chance to personally use it. It was used to put a down payment on a vehicle, it was explained to me that I would receive a card in the mail in a matter of business days. So far, the only materials I have received is a notification of interest change which requires a 45 day waiting between changes as stated by the CARD act. My interest rates are changing and without any material to access my account I am forced to let them work behind the scenes with how much I pay IF I am to receive the card soon? I am very worried about my safety with this company. Customer Service was called and was utterly unhelpful. A direct quote from their CSR : I have no idea what is going on here. 
I feel that sending someone a card they applied for is a good first step. Please, let me know if there is any more info I can provide, and god willing get these guys a massive audit.
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (UT)

Wells Fargo is reporting some recent lates I should not have on my accounts. I switched over and wasn't able to make any payments at this time. I tried to call several times but my calls were never answered. The accounts are # XXXX and # XXXX and I would like some of the more recent lates removed. These should not be on my account as I was switched over.
Consumer complaint received 2020-05-12
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. (CA)

As of XXXX XXXX I called in to make my minimum amount due on my account. I discovered that I was being reported late to credit bureau XXXX and XXXX 30 days past due. 

I enrolled in an hardship program. When I call the automated line it says nothing due, no minimum amount due. I spoke to several people on XXXX XXXX with different stories. 

The first department insisted that when I call in, it is not reflected correctly. I indeed have a past due of XXXX dollars. The lady was getting irate so I asked to transfer. I called back and was given to the hardship line. 

The lady said it was kind of confusing to explain what was happening to my account but she basically said that when I enrolled in a hardship program in XXXX, that the system was doing it for the next billing cycle ( not with my knowledge ) and that is why my account was being put in the bucket of past due. She indicated even though I was paying the min amount due it really was not the amount due. I paid XX/XX/XXXX what it said my min of XXXX would be and my payment is due XX/XX/XXXX. I was marked ay 30 days late because even if the phone system said XXXX dollars my payment really was missing an extra XXXX dollars and some change. 

I said that this was unfair and I would like them to open a dispute. She indicated that they are not trained on credit and how it works so she could not do anything but direct me to this address to dispute : XXXX XXXX XXXX XXXX ohio XXXX I believe this company practice is unfair. In enrolling in a hardship program they said my min payment would be reflected. They did not tell me of next billing cycle. I believe a company should fairly also tell you what is past due. If their own system is telling me that my payment due is XXXX dollars, I hit pay that. If it told me XXXX dollars I would of happily hit that too. I don't believe it is fair for XXXX associates to tell me that the phone system I call in to make my payment is wrong- I clearly call in and that is what it tells me to do. If it is wrong, then XXXX should own up to advertising me the wrong amount due. 

I have asked this to be emailed to me, have asked to be escalated a supervisor but they indicated they can not contact me via email. The only thing they can do is send me the letter where I did enroll in hardship. 

I did verify my address as well as I am not getting statements. If they miss my apartment and do not put F in front of it, it goes to another building. They are not helpful in this matter and it should not be my fault if their computer takes time to process. Maybe ( understandable ) they are being overwhelmed with people in hardship programs but it should not be our fault that we are being marked if their computer systems can not keep up. 

I only have phone conversations - I can also supply dates I have paid on my bank but please reach out directly.
Consumer complaint received 2019-06-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/19 I refinanced my auto loan with a new credit union and had the 10 day payoff amount, and they distributed a check for the full amount of my auto loan {$44000.00} to Wells Fargo. After a few collections calls from Wells Fargo demanding a payment I started to research what was happening. XXXX XXXX confirmed they distributed the funds XX/XX/19 and began an investigation with both XXXX XXXX and Wells Fargo. On XX/XX/19 Wells Fargo informed me that if I didn't make a payment that day, they were going to report a late payment on my credit report. So I reluctantly made a payment of {$710.00}. 
On XX/XX/19, XXXX XXXX informed me as they were going to cancel the original check and write a new one, Wells Fargo told him " we found it, no need to do that '' and the account was satisfied. 
Upon receiving my refund check for the one payment I made for {$490.00} charging me interest while they held the check. I called and complained and demanded the {$220.00} to Wells Fargo, they opened an investigation and I was informed they weren't going to do any more actions.
Consumer complaint received 2017-08-01
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: Experian Information Solutions Inc. (MT)

A creditor from 9 years ago levied my bank account so I tried to set up an account with Experian.com, view any other outstanding debts on my credit report and make sure all old debts were paid. I had trouble doing so and Experian told me I already had a paid credit report account with them, which I was unaware of. When I finally got to see my credit history I was dismayed to see @ $ XXXX in unpaid debt but further disturbed that someone had been paying to see my debt for two months. Someone was paying @ $ XXXX/month and had used my name, ss # and DOB, an email I have never seen, a fake phone number and fake security questions to obtain ( 4 ) bi-monthly credit reports on me. I contacted Experian.com and they reconciled the account so I could see the fake information which included the last four digits of the credit card on file which was being used to pay for the account. Experian told me they could not release the name associated with the card. I filed an FTC ID Theft Report and tried to file a police report but was informed since no money had been stolen there was no crime. Experian.com amended the fake account so that I could see information about the unauthorized creation of the account but they could not provide me the name on the credit card of the individual who created the account, only the last four digits of the card and expiration date. Credit report information on me was illegally provided from Experian.com to an unknown individual on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX, 2017. The information in my credit report was visible to the thief and a link mailed to an email address. I did not open or authorize this account, and I requested information regarding the individual who did open the account verbally from Experian.com on XXXX XXXX, 2017 and sent written request of such information on XXXX XXXX, 2017.
Consumer complaint received 2020-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CA)

Paid off credit card and closed company XXXX XXXX XX/XX/XXXX On XX/XX/XXXX lvnv funding  reported on my credit debt owed by original creditor XXXX  XXXX. 

This is a fraudulent attempt to collect a dept not owed. Disputed with credit bureaus.
Consumer complaint received 2020-07-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

My Coinbase.com account temporarily disabled for no clear reason on XXXX XX/XX/2020, I have contacted Coinbase Support immediately, Case # XXXX, and after a couple of days they got back to me by requesting some documents and clarification statement regarding my trading activity ; shortly I provide them with seven submitted documents and a comprehensive trading statement telling them what I am doing ; they replied that will transfer my case to a specialist who will be able to assist you with this specific issue and noted that these reviews are typically completed within 5-7 business days ; on XXXX XX/XX/2020 while still my account was temporarily locked, someone transferred fund from my XRP Coinbase account, it's absolutely illegal, and an unauthorized transaction happens, which Coinbase should be responsible and providing clear the explanation for all those. 

" You just sentXXXX XRP ( {$0.00} USD ) Congratulations! You have successfully sent XXXX XRP to XXXX. You can view transaction details in your Coinbase account. 
This withdrawal is being sent to an address ( " XXXX '' ) that you haven't previously used. '' The ETA for performing a review to restore access to my account based on Coinbase TOS is 10 days " XXXX : XXXX '' however I do not have any clear reasonable response or resolution after three weeks ( 22 days ). This cost me a huge loss and paint in life, I URGENTLY requesting a response and resolution and providing access to my account and my Crypto asset. Looking forward to hearing from you soon. 
Best Regard