davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-24
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: Experian Information Solutions Inc. (TX)

During the month of XX/XX/XXXX, I submitted an electronic dispute to XXXX XXXX via their dispute link on their website for this problem. It was submitted and I knew it would be resolved since this is such an old account from over 10 years ago. 
I additionally submitted a hand written letter on XX/XX/XXXX via certified mail with a tracking number and it shows that XXXX XXXX received my letter and it's contents on XX/XX/XXXX. 
It is now XX/XX/XXXX and the discrepancy has not been updated or removed as originally submitted last year. It has been well over 30 days as stated in the Fair Credit Reporting Act and I am submitting a complaint into this with the Consumer Financial Protection Bureau for their assistance in resolving this matter as soon as possible since it is still hindering my credit from progressing.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Please be advised this is my final request to remove a tax lien on my credit report. I have sent this request and proof numerous times in vain and I intend to pursue litigation if not removed from my credit report as soon as possible. Please see attached proof that it has been cancelled and paid and therefore should be deleted immediately from my credit report because it is affecting me greatly.
Consumer complaint received 2022-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have a Capitol one credit card and have had nothing but issues constantly with no help. Customer service always hang up on me and refuse to move me to a manager. The APP I use for my card refuses to set my autopay through the Capitol one checking. I recently got restricted and my account closed because of one reverse payment that was the fault of the APP and now customer service just keeps hanging up on me and refusing to help. Literally absolutely no help. Now Im worried about my credit report because I have been killing my self to keep everything perfect. I need help. I feel like Im being forced to fail.
Consumer complaint received 2016-09-16
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (LA)

this person act like they work for federal government pirvate grant foundations and they said to send them {$500.00} and they will send me XXXX grant check I do n't have to pay it back 100 % federal government guarsntee they stole a photo picture of her and they said that she was one of they beneficiary that won {$50000.00} federal government grantthey told me to be honest with them to get help.this is the number that they are text me XXXX XXXX XXXX XXXX XXXX locate the number XXXX, va
Consumer complaint received 2015-04-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (PA)

I BOUGHT A USED XXXX HYUNDAI SONATA SEDAN VIN NUMBER IS XXXX.FROM PLATINUM PREOWNED LLC, FINANCED THROUGH WELLS FARGO DEALER SERVICES ON XXXX/XXXX/XXXX, THE TEMPORARY REGISTRATION WAS DUE IN XXXX XXXX XXXX, ON THAT DATE THE PERMANENT REGISTRATION WAS NOT SENT TO PENNDOT THE DMV FOR PA, I WENT TO THE DEALER AND THE DEALER IS PLATINUM PREOWNED LLC, XXXX XXXX XXXX XXXX XXXX, PA.THEY CALLED WELLS FARGO DEALER SERVICES. MY ACCOUNT MANAGER SAID THEY HAD YET TO SEND THE TITLE TO THE DMV, I SHOULD DRIVE THE CAR IT IS STILL LEGAL, I CALLED THE DMV MYSELF AND THEY RAN MY VIN NUMBER THROUGH THE SYSTEM AND SAID THE VIN IS NOT IN THE SYSTEM BECAUSE THEY HAVE NOT GOTTEN THE TITLE FROM WELLS FARGO DEALER SERVICES, I AM A TRUCK DRIVER AND I ASKED PENNDOT THE DMV IF IT IS LEGAL TO DRIVE THE CAR THEY SAID NO, IT IS NOT REGISTERED. IF I DO THAT MY LICENSE WILL BE SUSPENDED. SINCE XXXX I HAVE BEEN MAKING MY MONTHLY PAYMENTS TILL TODAY AND I HAVE NOT BEEN ABLE TO DRIVE THE CAR FROM XXXX XXXX XXXX TILL XXXX XXXX, I HAVE CALLED THE SAME THING THEY SAY THEY ARE SORRY AND STILL THERE IS NOTHING THEY COULD DO AND I TOLD THEM THAT OK IF THIS IS WHAT IS GOING ON, WHY AM I PAYING FOR WHAT I CA N'T USE? AND IT IS NOT MY FAULT BUT THEIR FAULT FOR NOT SENDING THE TITLE TO THE DMV ( DEPARTMENT OF MOTOR VEHICLE )?. THEY SAID THEY WANTED TO CHANGE THE NAME ON THE TITLE TO MINE AND THEIRS TO REFLECT THEY ARE THE FINANCIER, AND I ASKED THEM IF THEY HAVE BEEN TRYING TO DO THAT SINCE XXXX AND WHEN MY TEMPORARY REGISTRATION IS DUE IN XXXX, AND I HAVE BEEN MAKING PAYMENTS EVEN WHEN I COULD NOT DRIVE THIS CAR SINCE XXXX AND I COMPLAINED AND TOLD THEM I AM NOT ABLE TO GET TO WORK THAT IS MY MEAN OF TRANSPORTATION AND AM STILL PAYING OUT OT POCKET TO FIND FRIENDS TO TRANSPORT ME TO WORK WHICH IS LIKE XXXX MILES BOTH WAYS. THEY WILL TELL ME THEY WILL MAKE A NOTE AND THEY STILL CHARGEED ME LATE FEES WHICH I PAID. I CALLED AND SPOKE TO XXXX IN TITLE DEPARTMENT, XXXX, XXXX THEY ALL TOLD ME THERE IS NOTHING THEY CAN DO, THEY ASKED ME TO CALL XXXX XXXX, I CALLED AND I SPOKE TO XXXX AND SHE SAID WILL SEND OUT AND EMAIL AND CALL ME BACK, SHE NEVER CALLED ME BACK NO ONE CALLED ME BACK. WELLS FARGO DEALER SERVICES CALLED THE DEALER I BOUGHT THE CAR FROM AND ASKED THEM TO COME AND REPO THE CAR FROM ME THAT I DID N'T MAKE PAYMENTS. WELL FARGO DEALER SERVICES SENT THE TITLE TO THE DEALER FROM THEIR NEW YORK OFFICE AND THE DEALER GOT THE TITLE ON XXXX/XXXX/XXXX.
Consumer complaint received 2016-06-27
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: FIDELIS RECOVERY MANAGEMENT, LLC (NC)

I told the collector to not call me at my place of work, I can not have personal calls at my place of work. They continue to call and ask for me and be rude when I tell them not to call any more. I have told them twice to not call me at work AT ALL.
Consumer complaint received 2020-11-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (GA)

A collection account opened on XX/XX/2020 with nationwide recovery systems for XXXX XXXX XXXX XXXX for the amount of {$260.00} was reported to my credit report for collection. I reached out to the 3 reporting bureaus asking to validate the debt. It came back as a valid verified debt with XXXX. The amount requested for the XXXX XXXX group does not belong to me. I do not have access to the full account number for the collection being placed in my name. I would like significant proof the services I'm being charged for belong to me. A type of date of the office visit, account number, verification of insurance information submitted. I have not received any statement from my health insurance provider. Please respond back with documents requested to my address you have on file.
Consumer complaint received 2022-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

In XXXX I was charged the full balance of my credit card ( I never agreed to those terms ) and that upended my checking account. I received a refund and have made all payments on time since then. The account has been paid off multiple times. Last month I was shocked to see that I had far exceeded my credit card limit and called to find out what the problem was. I was told the charges on my credit card were repayment for XXXX of this year when I had believed that to be settled and finalized.
Consumer complaint received 2015-09-01
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (DE)

I purchased a CD in XXXX 2000 from XXXX XXXX in the amount of {$5000.00}. I went to Wells went to Wells Fargo to cash it in and they told me they had no record of due to theit due to the fact that the banks had changed/merged over time. I wastold too much time had elapsed that it was either send to unclaimed property orcashed by me long ago. I do not recall cashing it in! When they checkedunclaimed property they had no record of it being sent to them. I was told that the bank records do n't go back that far in time. I was also told a letter was sent tome " back when ''. I did not receive any correspondence regarding this CD. 
Where is my money. The bank ca n't just say " it was turned over tounclaimed property '' or '' their records do n't go back that far ''. I feel thatthe bank should PROVE to me that it was either cashed, or give me mymoney plus interest. They just ca n't say well we do n't have it or haveany record of it. It is their responsibility. I have the CD.
Consumer complaint received 2022-09-04
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. (TX)

Open : XXXX XXXX Amount {$92.00} accordance with the Fair Credit Reporting act Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-10-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Grant Mercantile Agency (HI)

Grant merchantile keeps trying to collect on a medical bill that was the result of either a lapse in coverage while I was displace from XXXX  to XXXX. XX/XX/XXXX from XXXX XXXX XXXX XXXX. 
I am a XXXX individual but was in the process of switching both state providers and gender markers resulting in a medical billing error that has haunted me for years. 

XXXX of XXXX they increased collections amount for I think the 5th time and lowered my credit score by 45 points. 

XX/XX/XXXX I called grant mercantile Asked them if they purchased the debt.

They stated no, they are just trying to collect.

I asked can I deal with original debtor?

They said it's most likely purged from their system.

They said I can write a letter of hardship via U.S. mail, but I have no way  of mail correspondence due to XXXX and XXXX. 

This has damaged my chances at getting a car to drive for a company to find a job that would work with my XXXX. 
It has damaged my chances finding a rental or even a private client job. 

I have tried to dispute and or make a reasonable settlement multiple times to no avail. I think that forcing the letter of hardship to be sent by mail is an accessibility issue that should be resolved.
Consumer complaint received 2015-07-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I was incorrectly assessed a {$14.00} fee by Bank of America at the end of XXXX. I needed to call them up and spend a long time talking with them to get them to finally reverse the fee. Then at the end of XXXX I had the same {$14.00} fee taken from my account. This time I tried to correct the issue using their chat feature on their website, but they told me that the type of account I had with them ( Regular Checking ) did n't exist anymore. Finally after I failed with the chat feature after over an hour, I had to call a manager who was able to reverse the fee but still could n't explain what happened. I opened a case with the XXXX, but was never contacted back. To me I suspect that BofA is committing this fraud with a lot of their customers hoping that the customers do n't check their statement close enough.
Consumer complaint received 2015-09-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (OR)

Please take cooperation that telling XXXX. Senators that I was not happy with US Bank which they turned me down as they refused to offer me in reward {$120.00} for new bank account at XXXX XXXX. US Bank does not like me to get reward {$120.00} as they do not like and do not welcome in their XXXX XXXX XXXX XXXX. Male Employees do not like my appearances as they said me that I was too ugliest and dumbest gentleman who wrote my complaints to Consumer Finance report so please forward to XXXX. Senators at emergency orders! Tell XXXX. Senators that I do not fit in Oregon resident noted to Male Attorney at immediate action! Tell ME from Male XXXX Attorney in confrontation person XXXX not phone ) at requests. Thank you for not appreciated with XXXX Bank and U.S. Bank turned me down in their discrimination addresses messages to Male Attorney. Thank you for not appreciated with XXXX Bank and US Bank noted to XXXX. Senators in serious charging matters! Please follow up release to Male XXXX Attorney appoints me with male attorney through court requests.
Consumer complaint received 2022-02-10
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: Experian Information Solutions Inc. (MO)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payments from XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( XXXX ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Consumer complaint received 2020-10-18
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-09-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONWIDE MORTGAGE BANKERS, INC. (NY)

My name is XXXX XXXX and Im very unsatisfied with the service that I received from Nationwide Mortgage Banker Inc. I just finally closed on my refi after 7 months of going back and forth and even after it was not the deal that was originally agreed upon. 
In the end, I felt as if I had no choice but to close with this company rather than start this entire process again with another. During this rigmarole with the company, my credit took a toll due to incorrect statements that were told to me by the company. I was told by your company that I did not have to pay my credit cards and that the company would pay off the bills when we closed. This turned out to be false, which resulted in my credit card bills being extremely late which negatively affected my credit. I am extremely disappointed with the candor of this staff and the company as a whole. 
I just received a notice in the mail that I will now be staying with my old mortgage company. I received no heads up before this, just a letter. I would not recommend this company to anyone else as the unprofessionalism and stress I experienced here shouldnt be felt by another person. 

Signed a very unhappy customer
Consumer complaint received 2022-09-04
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: Experian Information Solutions Inc. (IN)

After carefully reviewing my Experian credit report, I noticed several fraudulent credit inquiries on my report. The following inquiries that I didn't recognize, or authorize are as follows : XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-18
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)

A bankruptcy has to be reported to the 3 credit bureaus by the actual clerk of courts, Ive already confirmed by the clerk himself that he did NOT report it to the bureaus, it was in fact, XXXX XXXX ( a third party reporting agency that is paid to do so ) that reported it. This puts the credit bureaus in violation of the Fair Credit Reporting Act
Consumer complaint received 2020-10-18
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: Experian Information Solutions Inc. (PA)

A bankruptcy has to be reported to the 3 credit bureaus by the actual clerk of courts, Ive already confirmed by the clerk himself that he did NOT report it to the bureaus, it was in fact, XXXX XXXX ( a third party reporting agency that is paid to do so ) that reported it. This puts the credit bureaus in violation of the Fair Credit Reporting Act
Consumer complaint received 2016-09-19
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Central Portfolio Control Inc. (OR)

Central Portfolio Concern, based out of XXXX, has called my wife and I several times regarding a debt that we are not acknowledging as accurate as we have no record of it from XXXX. We have asked several times, on what they say is a recorded line, that we are not acknowledging the debt but need a mailed statement. They have verified our mailing address several times as well as email and assured us multiple times that we would receive some sort of letter in the mail or by email. It has been going on for almost 2 months and we have not received any written documentation or email regarding this attempt to collect. They have been rude and accused me of being rude when all I want is information about the alleged debt. We have been checking the mail incessantly as we are trying to purchase a home and are concerned this will affect our credit.
Consumer complaint received 2017-04-28
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: R & B Corporation of Virginia (VA)

They first called home number and denied son 's request to disclose what R & B corporation was operating business as, would only describe themselves as a " business ''. After ending call, she proceeded to call recipient 's workplace phone number and cellphone number. These communication tactics were invasive and recipient felt harassed. Furthermore, the collection agent made false statements regarding a debt owed and later in the call admitted that the payments made were found. Agent then proceeded to make more false statements saying mailers were sent to recipient, however, no mail regarding the debt owed was received.
Consumer complaint received 2015-05-20
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Hidden Oak Group, Inc. (IL)

XXXX has been calling me repeatedly at XXXX XXXX at various different number in an attempt to collect a debt that I am not responsible for. The company is claiming I opened a XXXX XXXX in XX/XX/XXXX and continued to pay till XX/XX/XXXX. This is untrue. I never had a XXXX XXXX during these times and do not owe this debt. I tell this to the representative and they continue to harass me. They have completely filled up the space on my voicemail with threats of litigation if I do not respond to them.
Consumer complaint received 2017-05-22
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. (DC)

Earlier this month, I was pre-approved for a mortgage loan. As part of the application, the mortgage broker sent me a summary of my credit scores from the  XXXX  credit-reporting companies that included factors adversely affecting the scores.  One of those factors was too many credit inquiries during the previous year. The only inquiries that I remember authorizing are by my bank for a mortgage pre-approval in 2016 and the most recent one by the mortgage broker. I was concerned, so I requeste d my credit reports from the  XXXX  credit-reporting companies and learned that there have been multiple inquires by credit card companies and insurers, which I presume are used to market products to me. I never authorized these inquiries, and even thought I have a relatively high score, it seems unfair that inquiries by companies should adversely affect m y credit score.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (MO)

As 15 usc 1681 starts out with " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' I have had no trust in this banking system for quite some time. Recently, last year, I have tried writing to ask various companies to remove old, sold, and identity theft accounts from my credit report. None have been able to validate any of the alleged debts, and nobody from the companies write me back. I just get a generic " we have verified and we will continue to report this account on your credit report. '' All I am asking is to stop putting things on my credit report that does not belong. It's harmful to my reputation, and is making it very hard to continue to educate people about the law when companies do not read the law. 

My last letter was sent at the beginning of XXXX to 3 separate companies, and I mentioned that I will file a cfpb complaint before I initiate litigation. I do not know if I can put all 3 companies on here but feel free to email or call.
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: STERLING JEWELERS, INC. (IL)

On XX/XX/19 a credit card was opened under my name with Kay Jewelers. I did not open this card and make any charges. The card was opened in kentucky and I live in Illinois. I've called Kay Jewelers ( XXXXXXXX XXXX  services-who manages the card ) they made me submit a fraud claim and fill out paper which I did and they still denied my claim. They currently are not taking any fraud calls due to Covid. This has killed my credit score