davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-27
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. (IN)

Experian consumer credit agency is one of the 3 major credit reporting bureaus and has reported a decrease in my credit score three times in the last one month! This has negatively impacted my credit score and hurt my credit! Recently, I received a credit limit increase on my XXXX XXXX credit card. I also have an XXXX XXXX card with a {$3100.00} limit. The balance on my XXXX XXXX card is {$710.00} and my total credit usage is under 30 % for all cards but Experian has lowered my score. There have been no new recent negative accounts on my report, only POSITIVE activity yet Experian lowered my score. I called their dispute department and spoke with rep. XXXX who then transferred me to customer service rep XXXX-operator # XXXX. Per XXXX he did not understand why my credit score decreased! He mentioned that he saw a mortgage on my accountI DO NOT OWN A HOME. I HAVE NEVER HAD A MORTGAGE. He then transferred me to his supervisor who ALSO did not know why Experian is reporting decreases in my credit score. Please help me because this is negatively impacting my score and hurting my credit. Experian just transfers me from one person to the next.
Consumer complaint received 2018-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kinum, Inc., Indianapolis, IN Branch (CT)

I had a checking account with XXXX XXXX XXXX XXXX XXXX which I accidentally overdrafted in XX/XX/XXXX ( used checks from the wrong account ). The account went into collections with Kinum , Inc. out of XXXX XXXX, Virginia. Kinum reported the amount ( {$2600.00} ) consistently on my credit report through XX/XX/XXXX. On, XX/XX/XXXX, the full amount was withdrawn from my personal account paid to Kinum directly via ACH ( Auth # XXXX ) with promise from them that they would notify the credit bureaus and also XXXX XXXX that the debt had been paid. Since that time, they have stopped reporting to the credit bureaus ( nothing since XX/XX/XXXX ) altogether and my credit report still shows an open account with unpaid balance, but have also never reported the payment to XXXX XXXX via letter or email as they stated would happen. Additionally, XXXX XXXX still has not received the funds. I've called Kinum multiple times and their excuse changes each time. I've notified XXXX XXXX, but they can't do anything about it as it is in the hands of Kinum. At this point, it is clear Kinum has perpetrated a fraud and is holding the funds without consequence. 

Kinum, Inc : ( XXXX ) XXXX-XXXX
Consumer complaint received 2021-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

I have had a wells Fargo account since XX/XX/1990. Currently I am in the hospital with having a XXXX. I am in XXXX. I receive my pension direct deposit into my account for years. After having the XXXX I lost my username and password. I have tried to solve the problem with them for a year now. They said I have to go into a branch to fix it. Because of being trapped in the hostpital and covid I could not do this. So eventually the bank told me to just call the telephone banking system and instead of entering the pin number I could access a limited summary of my debits and credits to my account. I have been doing this for months now and it was working fine until recently. When I call telephone banking it no longer gives me the option to enter the last 4 of my social security number to gain access. It simply routes me to a banker and they don't help. I escalated it to the executive office for a resolution and they sent me a. response letter that contains no resolution. Please I need to be to at least check my deposits and debits! I have automatic payments withdrawal. Also I have my pension direct deposit into my account.
Consumer complaint received 2018-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

I WAS TRYING TO CLOSE MY CREDIT CARD ACCOUNT WITH THIS BANK ON XX/XX/2018.THEIR CUSTOMER SERVICE WAS VERY BAD. I WAS ON THE PHONE MORE THAN ONE HOUR. MY CALL WAS TRANSFER FROM ONE DEPT. TO OTHER. MORE OVER CALL CENTER WAS IN XXXX & THEY DID NOT HAVE ANY RESPECT FOR AMERICAN CUSTOMER.I COULD NOT CLOSE MY ACCOUNT.
Consumer complaint received 2020-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (SC)

On XX/XX/2020, we visited the local XXXX XXXX store to purchase a mattress. We applied for credit with Synchrony bank and were declined. We paid for the mattress by other means. A few days later we received a letter in the mail from Synchrony stating they " could not approve the co applicant ''. We pulled our credit reports and found nothing amiss and shrugged it off. On XX/XX/2020, we received alerts from our credit monitoring company stating that we had a new Synchrony account for XXXX XXXX. My husband called Synchrony and they said they could not see the decline and that the account was opened on XX/XX/2020 with a {$5000.00} credit line. They could not answer any questions about how the request was submitted. We never reapplied and had no need for the line. We requested the account be closed. On XX/XX/2020, we reached out to XXXX XXXX who stated that they do not resubmit credit reports and that they would escalate the report. We want an explanation as to why a fake account was opened in our names and no one seems to be able to give that to us. We are now asking the CFPB to review the credit card practices of Synchrony Bank so this does not happen to someone else.
Consumer complaint received 2020-09-12
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 am requesting with this written complaint that the following inaccurate items is a result of non-factual reporting. The items are as follows : XXXX XXXX XXXX  XXXX This account reflects incorrect payment history in XXXX and opened date is incorrect. Please correct or remove. XXXX XXXX  XXXX/XXXX  XXXX. The opened date is incorrect and balance due. XXXX XXXX XXXX   XXXX The account reflects 49 chargeoffs. An account can not reflect a charge off every month, payment history and date opened is incorrect. Please correct or delete. XXXX XXXX XXXX. Payment history and date opened is incorrect. This account reflects 11 consecutive months of 120 days past due. You can not have more than 1 month consecutively with the same number of outstanding days past due.This is non-factual reporting. Please Remove Account. 
Please correct or delete. XXXX XXXX XXXX XXXX This account reflects incorrect payment history from XX/XX/XXXX to XX/XX/XXXX. This account reflects 22 consecutive months of 120 days past due. You can not have more than 1 month consecutively with the same number of outstanding days past due.This is non-factual reporting. Please Remove Account. XXXX  XXXX XXXX XXXX No contract with this company please delete. XXXX  XXXX XXXX XXXX No contract with this company please delete. Lastly please provide me with all information you received in order to verify the accuracy of these accounts as anybody that you do business with can just send information about anyone that may constitute fraud or identity theft.
Consumer complaint received 2017-10-16
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. (FL)

IVE ATTACHED MY CREDIT REPORTS WERE THE FRAUD IS SHOWING, I HAVE FRAUDULENT NAMES, ADDRESSES, AND ACCOUNTS. ( FRAUDULENT ACCOUNTS, XXXX XXXX, XXXX, XXXX, XXXX, ( XXXX ) XXXX XXXX XXXX, CENTRAL FINCL, OPTIMUM OUT ). I ATTACHED MY DRIVER LICENSE TO SHOW YOU HOW MY NAME IS SPELLED AND MY ONLY ADDRESS PLEASE UPDATE
Consumer complaint received 2015-11-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

We got behind on the mortgage payment for my Mother 's estate ( XXXX XXXX XXXX, ( aka XXXX XXXX XXXX, deceased on XX/XX/XXXX ). On XX/XX/XXXX a letter was sent from Wells Fargo Mortgage ( WF ) with a refund check of {$56.00} for " unapplied '' funds. A delinquent status letter was received.around the same time. A WF statement dated XX/XX/XXXX was received later in the month. showing a balance due by XX/XX/XXXX of {$1700.00}. On XX/XX/XXXX, I made that payment in full by cash payment with a payment coupon at the local bank as I had previously done. The next day ( XX/XX/XXXX ) I received a letter from WF ( dated XX/XX/XXXX ) that loan had been referred to attorney. A second letter from WF ( dated XX/XX/XXXX ) was received 2 days later. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX, demanding payment in full to avoid foreclosure. I subsequently hired XXXX XXXX XXXX to resolve the wrongful foreclosure action. It was determined that WF had misapplied the XXXX XXXX payment to a Closed Credit Card account without comment, instead of the mortgage account. He received confirmation from XXXX. XXXX XXXX that the foreclosure was cancelled on XX/XX/XXXX. Wells Fargo has since refused payment to bring the account current for the months of XXXX by payment attempted on XX/XX/XXXX. Wells Fargo is now demanding payment of mortgage payment that they mis-applied and attorneys fees for the wrongful attempt to foreclose on the property. I have received a response from XXXX XXXX XXXX in response to the inquiry initiated by XXXX XXXX. Wells Fargo continues to be unwilling to apply the previous payment to the mortgage ; thereby demanding a second payment of those funds already paid. They are also demanding payment for the wrongful foreclosure action. They refuse to take payment for the mortgage payments currently due. On XX/XX/XXXX, I again received a statement from WF, showing yet another balance due after their apparent payment of property taxes. However, a check today of the property taxes shows that only tax payment for XXXX lot not both lots under the mortgage has been made.
Consumer complaint received 2021-02-27
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. (MO)

This is my second time report Experian. Experian has refused to remove inaccurate information from my credit report whereas Equifax and XXXX  have removed the same inaccurate information from there system but Experian has fail to do so I have disputed these items over 10 times and they still remain. I am the original creditor and consumer.
Consumer complaint received 2020-07-18
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. (NC)

I disputed a public record ( bankruptcy ) several times with Equifax. The investigation came back as verified through XXXX XXXX. I then submitted a dispute with XXXX XXXX and they said it could not be verified and was then deleted from their files. I sent proof of investigation that I received from XXXX XXXX and they have yet to delete the file from my report. I disputed again and it came back saying it was verified through court system. I wrote court system and they stated they do not verify they would have to go through XXXX XXXX. I received an investigation result from Equifax on XX/XX/2020 in the mail stating again it was verified through XXXX XXXX and still has not been deleted.
Consumer complaint received 2016-07-06
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (NY)

I purchased a vehicle from an individual with a lien on the vehicle. XXXX cahier checks were sent via overnight mail and only XXXX check was applied - the other check is missing from Wells Fargo. I can not obtain my money back from the cashier check for 90 days. I do not have the vehicle, I am out {$7300.00}, and have spent countless hours on this issue. We ( the seller and myself ) followed the standard procedure for paying off the loan. Wells Fargo needs to be held accountable.
Consumer complaint received 2016-10-06
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo has claimed the the XXXX was used to pay off existing loans on the property. From what I was told, if that were the case, what did I pay in upwards of XXXX to XXXX for? Wells Fargo has XXXX variations of the principle origination charges. That figure would have to factor into the HECM formula or the salesman would have to inform me that the HECM does not work for me and to find another option. As I previously stated, at the time of the HECM, I was in no danger of foreclosure. In fact, I had never even been late on a mortgage payment. Did I suddenly forget how to pay mortgages or fees associated with a mortgage on the most important asset in my life? Wells Fargo has not returned the documents I have requested, such as discharges from XXXX and XXXX proving payment. They have also not released the government recording, transfer charges and recorded deed and mortgage. Where did the recordings actually take place? Did they take place at all? I have solid evidence that it never took place in Massachusetts.
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I have a Victoria Secrets Credit Card. I forgot make a payment and that affected badly my credit score. I never received a call or a statement from them to remember me a debt. I paid in full a ballance and told them to please erase the report on my credit bureau but they said no. I never paid late any account after my bankruptcy. Is very hard maintenance my healthy score and this people affected to me badly.
Consumer complaint received 2020-07-18
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: JPMORGAN CHASE & CO. (UT)

XXXX and XXXX have a record of my existence. However, XXXX   claims that they do not. I have a credit card and car loan through Chase Bank, yet XXXX says I do not exist. I have sent in copies of my SS Card and driver 's license via mail and fax and they have no record of ever receiving these. Most recently I faxed records on XX/XX/20. 

On XX/XX/20 Chase Bank reported that they only send information to XXXX. If Chase Bank could send my information to XXXX, this would presumably solve the problem. 

Thank you!
Consumer complaint received 2020-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I sent a VALIDATION REQUEST dated XX/XX/2020 to Portfolio Recovery ( a Collection Agency ) located at XXXX XXXX XXXX. XXXX, VA. XXXX which was received by them on XX/XX/2020 according to USPS records of certified mail. This letter was a request for written validation in accordance with the provisions afforded me in THE FAIR DEBT COLLECTION PRACTICE ACT. The letter asked for documentation proving that they had the legal authority to collect from me along with proof of my legal obligation to pay and other legal notices required by law. They did not respond to me within the 30 days required by THE FAIR DEBT COLLECTION PRACTICE ACT. Because they were and still are in clear violation of the FDCPA, their unresponsive action forced me to send a final demand letter dated XX/XX/XXXX insisting that they remove any and all derogatory reports issued to XXXX, TXXXX and XXXX   credit reporting agencies. To this date XX/XX/XXXX they have not removed their derogatory reports from my credit file. I insist that they remove these negative/derogatory reports or I am left with no other choice but to file a lawsuit for damages.
Consumer complaint received 2020-07-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation (SC)

Every since XXXX, I have been disputing this inaccurate information with the collection agency and the creditor. This information has been deleted from XXXX and XXXX, after they have proven for it to be inaccurate. However XXXX keeps reporting this information and the Collection agency are not looking into this matter. It is now, XX/XX/XXXX, and they are still reporting this inaccurate information.AND DO NOT ATTEMPT TO ADD INACCURATE UNVERIFIED INFORMATION BACK ON MY CREDIT AS THAT IS A VIOLATION UNDER THE FAIR CREDIT REPORTING ACT
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Trans Union is profiting by allowing an illegitimate collection agent to report inaccurate information on my credit report. Despite numerous complaints and disputes, Trans Union continues to allow XXXX XXXX XXXX to report account # XXXX on my credit report. I have already sent documents to Trans Union to show them that XXXX is a fraudulent collection agent, currently under investigation by the Securities Exchange Commission. I have also informed them that this collection agent has no permit to operate as a collection agent in the state of NC. I have also informed them that XXXX did not supply a notice of right to dispute prior to reporting this account on my credit report. And finally, I have informed Trans Union that the balance that XXXX is attempting to collect is bogus. Despite all of this information, Trans Union continues to allow this fraudulent collection agency to continue to report information on my credit file.
Consumer complaint received 2020-09-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-03-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

My lease on my XXXX XXXX XXXX expired on XX/XX/XXXX. A week before this, I was talking with a representative of Prime XXXX XXXX that was sending me car options to buy since I would be trading in my vehicle. I informed the representative that I didnt see any cars on their lot I was interested in and would be continuing my search at another dealership. During the conversation, we talked about my car mileage and how it was over XXXX below my lease agreement. The representative then informed I could use the equity my leased vehicle had accumulated and I would be able to put towards a new car for me. We scheduled an appointment for XX/XX/XXXX, to talk through this option and view some cars available for purchase. When arriving to the dealership, I test drove XXXX different cars, and wanted to continue a conversation on a XXXX. At this point, my husband and I were told we would not be receiving any equity from the leased vehicle because there was an open manufacturer recall without a remedy. We were told by the representative that if they gave us any money for the XXXX, they would suffer a loss because of the recall. This was the first we were hearing about any open recalls on the leased vehicle. This seemed to me as a bait and switch tactic which was very deceptive to get me into the dealership. The dealership would have known about the recall before I went in and should have never offered any equity if it was not an option for me. In addition to this, a recall on the leased vehicle with no fix should not have anything to do with equity from not driving the car. Again, very deceptive and would be the the responsibility of the manufacturers XXXX XXXX XXXX. I have tried to rectify this situation with Toyota Financial Services, who agreed with me, and they encouraged XXXX to work with me. XXXX never did. A complaint was filed against XXXX with Toyota Financial Services, but I still believe my rights as a consumer have been violated.
Consumer complaint received 2020-07-18
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. (UT)

XXXX  and XXXX  have a record of my existence. However, Equifax claims that they do not. I have a credit card and car loan through XXXX XXXX, yet Equifax says I do not exist. I have sent in copies of my SS Card and driver 's license via mail and fax and they have no record of ever receiving these. Most recently I faxed records on XX/XX/20. 

On XX/XX/20 XXXX XXXX  reported that they only send information to XXXX. If XXXX XXXX  could send my information to Equifax, this would presumably solve the problem. 

Thank you!