davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo was offering 3-month mortgage forbearance due to Covid-19 so I did not make mortgage payments for XXXX, XXXX and XX/XX/XXXX. I called in XXXX and was told those 3 missed months would be added on to the end of my mortgage. I was told to resume normal payments in XXXX. My balance at that time was $ XXXX. 

When I logged into make my XXXX payment, there was weird activity on my account. My principal balance had decreased to $ XXXX and then increased to $ XXXX. I've attached a screen shot of my mortgage activity from XXXX. I tried calling Wells Fargo on XX/XX/XXXX but no one could explain this to me. I was on the phone for 2 hours and transferred 4 times. I finally submitted an email to the company. 

I received a response on XX/XX/XXXX that my question couldn't be answered over email and that I had to call. Once again, I've been transferred and on hold for over an hour and no one can explain it to me. 

I don't understand why my balance was increased. It should have stayed the same and my loan should have been extended by 3 months. Otherwise if my loan is extended and my balance increased, I'm being double-charged.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

INCOMPLETE / MISSING INFO LETTER To Whom It May Concern, I am writing to challenge the reporting and compliance on an account with XXXX XXXX that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect account number, a missing field of monthly payment, past due amount and terms.Your improper procedures are highly damaging to my credit score. Please immediately delete this item.
Consumer complaint received 2022-09-12
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: SANTANDER HOLDINGS USA, INC. (MD)

This is a debt with XXXX XXXX. I co-signed for a vehicle for my daughter in XXXX and XXXX is still contacting me regarding this debt. My daughter surrendered the vehicle around XX/XX/XXXX and they are still continuing to call my phone repeatedly. I spoke with them around XXXX and told them to contact my daughter. They are calling my phone at least 4 times a day. The debt is so old, it shows on neither my daughter 's or my credit report. 

Your assistance with this issue is greatly appreciated.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This account with XXXX XXXX XXXX is reporting inaccurately on my credit report I have sent disputes to the credit bureau that have been flat out ignored in the months of XXXX & XX/XX/XXXX. The account states that it has not been disputed which is absolutely untrue because it has been removed from XXXX and I have sent disputes in three times Ioan understand the mail not getting there once but not three times. The account is showing an inaccurate date of last payment it reflects XX/XX/XXXX ( TransUnion ) and XX/XX/XXXX ( XXXX ) but according to the rep I spoke to XXXX the account was last paid on XX/XX/XXXX. The account also reflects a payment status of 90 days late but the account was paid off and made current. On XX/XX/XXXX I requested that XXXX XXXX send me information about this account directly but they have yet to respond to my request and my growing frustration has encouraged me to start filing complaints.
Consumer complaint received 2018-02-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I had made a payment in the amount of {$57.00} for my Kohls Bill on XX/XX/2017. Once i was finished making this payment I was asked if I wanted to make this a one time payment or if I would like to use this method as autopay to ensure I was never late on payments ; i chose to enroll in autopay. I did not pay attention to the account for a few months and then I received a letter from Kohls stating that i had missed payments for the months of XX/XX/2017 and XX/XX/2017 and incurred late fees. I explained the situation and said that I had enrolled in autopay and they apologized for the inconvenience and refunded my late fees. I paid the bill and brought my account current and then a few days later my credit score plummeted almost 100 points! Kohls reported late payments to the credit bureaus for the months of XX/XX/2017 & XX/XX/2017 to the credit bureaus as late payments even though they admitted it was probably a system error. I then spoke with a representive in their credit department and they said I needed to write a letter. I wrote a letter to the credit department about the situation and they responded by saying they would not remove the late payments that had killed my credit score even though i was enrolled in automatic payments and a system error caused these payments to not be taken from my account on file. I am very dissapointed and this error has caused higher interest rates and is causing me to have major issues in trying to obtain a home mortgage.
Consumer complaint received 2020-07-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: PNC Bank N.A. (OH)

I have asked PNC bank ( PNC bank student loan service XXXX XXXX XXXX XXXX pa XXXX contact XXXX XXXX XXXX phone XXXX ) to remove my name as co-signer from a student loan from 2017 for XXXX XXXX XXXX XXXX I have made repeated attempts over the last 2 years to resolve the issue with PNC bank. The loan was for XXXX disbursement date XXXX17. 
I received no benefit from this loan. I was under psychiatric care at the time and not taking medication. I was under duress from an abusive spouse that bullied me into signing the loan. 
I state that I was under duress at the time of the loan and wanted to follow a formal dispute process and have third party arbitration of the issue. I asked that they send me their dispute process. They have not and will not divulge the dispute process and will not remove my name as co-signer. They will not submit to third-party arbitration. 

Contacts at PNC I have had conversations with XXXX XXXX  - XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX My contact information is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Ohio XXXX XXXX cell
Consumer complaint received 2018-06-21
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. (CA)

XXXX DEPARTMENT STORE CREDIT CARD, ACCOUNT NUMBER XXXX is appearing on my XXXX, XXXX and Equifax credit reports after paying XXXX dollars cash to my account in the XXXX XXXX, CA store to pay in full this account.I can not help it if XXXX employees are thieves and put this money in their pocket.There are cameras in the store and after a search of my records I can find the day I was there so XXXX can put their employee in jail and I can collect a court settlement for XXXX stealing my funds, destroying my credit and causing 3 bureaus to falsely verify this account.Do not delete this account at your own peril because I will have police detectives at your store if you do not remove this from my report now!
Consumer complaint received 2020-10-14
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

These accounts should not be found on my report because of too much inaccuracies. I already demanded them proof about the validity and the accuracies of the details of the reported accounts yet they do not hear nor take time to contact me about it. So here I am filing a complain against these companies who, I believe violated FCRA.
Consumer complaint received 2022-09-12
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: FIRST MERCHANTS CORPORATION (MI)

In accordance with the Fair Credit Reporting Act, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, FIRST MERCHANTS BANK # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.
Consumer complaint received 2019-05-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Larry H. Miller Group of Companies (AZ)

I received an email from the XXXX of the XXXX XXXX dealership in XXXX Az. He was asking what they could do to earn my business. This enticed me to look and see what they had online. When doing so a XXXX XXXX classic XXXX XXXX popped up. The price of this vehicle was listed at {$44000.00}, the dealership discount was listed at {$43000.00}, taking the vehicle purchase price to {$410.00}. They then offered an additional rebate of {$3000.00} this taking the price to - {$2500.00}. I went to do the Express checkout. When doing so a page popped up stating this vehicle was not available for online checkout and to try again later.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I requested a copy of my consumer reports and I've notice i have some unauthorized inquiries that i did not initiate! I believe i may be a victim of identity theft and I would like these unverified and unauthorized items to be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
18 U.S. Code 1028A - Aggravated identity theft- ( A ) ( 1 ) Whoever, during and in relation to anyfelony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 
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 ; THIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED ADDRESSES AND INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.
Consumer complaint received 2022-03-01
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. (FL)

Since XX/XX/2020 i have been trying with the help of XXXX XXXX  XXXX XXXX to dispute misinformation on my credit report. We have sent in multiple request and reports to Experian, XXXX, XXXX. On multiple dates for the past 2 years i have submitted police reports, case numbers etc. i have also been notified of breaches and had credit monitioring services and done dispute after dispute and nothing has been removed that was negative from my credit reports. this has severely impacted my credit ratings and dropped my scores.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/2016 I discharged my debt through the Bankruptcy courts by filing chapter XXXX, my Wells Fargo card was included and till this day, on my XXXX report, they have been reporting me late and past due! This is inaccurate and needs to be corrected, this debt was charged off and cant be reported that I am late on that account when its been discharged. Please fix this!
Consumer complaint received 2024-02-21
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. (CA)

In early 2023, my SSN and identity were stolen, and I have had to deal with fraudulent accounts and credit cards constantly since then. In XX/XX/2023, I was alerted to a new suspicious balance of {$7400.00} on my credit report apparently with XXXX. I've only ever been under my family 's phone plan, so I immediately knew this balance was not related to me. I also have no knowledge of how it was even possible for this account at XXXX to be opened under my name, since I have had a credit freeze/lock on my credit report with both XXXX and Transunion since XX/XX/2023. I went to file a dispute with Transunion in XXXX XXXX and they did not change anything on my credit report and claimed all information was accurate ( which it was not ). Then I filed a second report on XX/XX/2023, and it yielded the same result. Transunion not only allowed for someone to falsely open a massive balance under my name and information despite the freeze, but has also taken no action to help remove this disputed information from my credit report. None of the {$7400.00} balance due to XXXX was opened by me, and it's not even remotely related to anyone in my family 's account. This was clearly opened by the person who stole my identity, as they have previous experience with trying to open accounts at telecommunication companies. They previously tried to open a large balance with XXXX using my information, and I was able to dispute that, but now I Transunion is not assisting me with this fraudulent XXXX account . Please can you help me with this.
Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (NC)

There were XXXX $ in fraudulent XXXX XXXX charges that went through in California when I live in NC. The bank denied my fraud claim And blamed it on XXXX  while also repeatedly hanging up on me and being rude. The bank has stolen XXXX $ from me and is negligent in there business operations.
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (UT)

This company without warning will cut your credit limit, even if you have never missed a payment. I had to have it raised again last year, and they just did it again. Everytime they do this is hurts my credit. The customer service agents are rude. The make it very difficult to make a payment on the card. This company is horrible.
Consumer complaint received 2018-06-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc. (CA)

I tried to get a loan with this company XXXX XXXX. They approved me for {$2000.00}. After approval they contacted me and told me that there were going to deposit {$800.00} into my account as a versification process that I would then have to withdraw and send back to them. This sounded highly irregular so I declined. They then proceeded to tell me that it was too late and that if I did not return the money to them after the 2hr time period it would take to transfer the {$800.00} to my account that they would contact the local police and have me arrested. They also said they would contact the SSA to get the money from my taxes. I told them to cancel everything. I dont want the loan. They refused to cancel the loan process. This happened today XX/XX/18 between XXXX.
Consumer complaint received 2022-04-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (NC)

I sent a cease and desist letter to American Express on XX/XX/XXXX asking that ALL communication be via mail. And that they were to stop calling my cellphone and especially my work phone. 

On Friday XX/XX/XXXX at XXXX I received a call at work from American Express number ( XXXX ) XXXX. The cease and desist letter has not expired or anything, so I am unclear why after a year they feel they can reach out to me via my work telephone.
Consumer complaint received 2022-01-06
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. (SC)

I sent several disputes letters to Transunion and XXXX informing them of the fraudulent and unauthorized inquries on my credit report asking them to remove them. These are the list of inquries that needs to be removed from my Transunion and XXXX report immediately : XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX Transunion 's nor XXXX 's Customer service nor the fraud department would help to remove these inquries from my credit report even after I submitted the information to them for these items to be removed.
Consumer complaint received 2024-02-21
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MN)

I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account take notice of my intent to sue. In previous months, I requested the repair of inaccurate pieces of information which another credit reporting agency found to be inaccurate and had fixed. Due to your lack of response, which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. correct these dishonors
Consumer complaint received 2020-07-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (AZ)

I have an account with a service provider called Nelnet. My loan # is XXXX. 

I had applied for, but apparently was not granted a deferral for my student loan. I had been continually paying for years on this loan. Being a XXXX, and believing that negative interest accrual was not allowed, essentially applying 100 % of payments to interest only, I contacted Nelnet because when I was told that my loan was past due, i immediately paid the entire payment. I was shocked to see that my entire payment of {$800.00} was applied not anything to principal, but 100 % to allegedly accrued interest. 

I contacted the company, saying I am looking at my payment history, and my interest monthly was {$36.00}, how are you applying nothing to the principal. They told me this is correct, that all your payments go to interest before we ever apply a payment to principal. i said that's not what your web site shows. I don't believe that was the terms of the loan, and i believe you're applying the payment incorrectly. i was told, No, it's right. 

I don't believe this is correct, and I'd like my entire loan that i've been paying for close to 20 years is incorrect.. 



Payment Date Payment Amount Applied to Principal Applied to Interest Applied to Fees* Payment Type arrow right XX/XX/XXXX {$800.00} {$0.00} {$800.00} {$0.00} Electronic arrow right XX/XX/XXXX {$300.00} {$260.00} {$36.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$260.00} {$39.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$260.00} {$39.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$260.00} {$38.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$250.00} {$40.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$250.00} {$40.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$250.00} {$41.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$250.00} {$42.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$250.00} {$41.00} {$0.00} Auto Debit