davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-08
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: MARINER FINANCE, LLC (TX)

Each month Mariner Finance does a hard pull on my credit. I have given them no authorization to do this and each month they continue to do a hard pull lowering my score.
Consumer complaint received 2023-01-30
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: SYNCHRONY FINANCIAL (VA)

I am submiiting this request to delete or correct the following information that appears in my credit report. In the year XXXX is when i had applied for a student loan to finish my career and since that year i have not applied for any credit except one that was provided to thru my paypal account which was a credit line with paypal. I have never had a reason to check my credit report since my student loan has been referred ever since XXXX. Recently i have requested a credit card thru my paypal account and i come to realize that there are many credit accounts already that appear on my credit report like for example. XXXX XXXX opened in XX/XX/XXXX, SYNCB opened in XX/XX/XXXX, XXXX opened on XX/XX/XXXX, XXXX opened on XXXX XXXX, XXXX XXXX opened on XX/XX/XXXX, XXXX opened on XX/XX/XXXX, XXXX opened on XX/XX/XXXX and a XXXX opened on XX/XX/XXXX. I am requesting these above accounts to be deleted out of my report because they do not belong to me. I have never given a consent to open these cards plus obviously never used them to be responsible for them. I am aware that i am protected by law according to Section 604 15 U.S. Code 1681 B, Section 605 A 15 U.S. Code 1681 C-1 and Section 605 B 15 U.S. Code 1681 C-2. 

Credit Reports do not have the right to report anything on my credit report without my written consent. I clearly see that i have a victim of identity theft. Having said that, i am notifying that something in my credit report is incorrect and its a result of identity theft. 

I would like to make it clear that i have not consented this at all. 

P.S : The only accounts that should be reflecting in my report in my STUDENT LOAN and a creditline from Paypal, that should be it. Most of these accounts are reflecting as collections and affecting my daily work and life as we speak. I would appreciate to take matters in to account.
Consumer complaint received 2020-07-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (VA)

My Chase account was closed for no reason. I had the account for a year and I have no access to any of my money. I tried to call and resolve but nobody was about to assist. I also went to a branch location to see if my money could be withdrawn and they did not allow the representative to withdraw my funds nor gave a reason as to why they would not allow me to have them. Also I have been sent messages on my chase account which I can not access because my account was closed.
Consumer complaint received 2024-03-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc. (CA)

This account was added on my credit report. The rep over the phone told me she couldnt send me anything confirming what I owed or a settlement letter. I paid XXXX to resolve the account and since then added interest on the account and my balance on my credit report shows I owe XXXX.
Consumer complaint received 2023-01-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONGRESS COLLECTION CORP (MI)

On XX/XX/2023 I noticed the debt collection on my credit report. I called Congress collection to inquire and he was very aggressive in his way of communication. I simply asked for the following to be mailed to me : proof of my wet signature and/or contract with the physician, the creditor information, payment history and the itemized billing information, and proof of ownership for Congress Collection . He said he does not have to provide me with any of those and in order to receive an itemized bill, I must put in a request in writing.
Consumer complaint received 2017-08-11
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has manipulated or misunderstands the original loan amount and origination date of my current home loan. My original loan amount was {$190000.00}, not XXXX. It, the loan was originated XX/XX/XXXX, Not XX/XX/XXXX.
Consumer complaint received 2023-01-30
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. (NM)

Out of all the XXXX credit reporting agencies XXXX has been the worst in keeping and accurately reporting my credit reports! They constantly report old outdated information which then gives me a reduced XXXX score? I will enclose my XXXX XXXX XXXXXXXX balance which is XXXX yet on your XXXX it still shows XXXX owed?? Also all my XXXX XXXX cards are all below 15 % credit utilization? It is not reflected accurately on my XXXX
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I have a a old joint with my ex husband account with XXXX XXXX  XXXX XXXX a car loan that was paid and is still on my credit report I have reported this issue several times the account is past the 7 years the account was opened in XXXX and first reported in XX/XX/XXXX, Loan amount XXXX
Consumer complaint received 2019-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo has credited my charge card for a cash advance of {$500.00} on XX/XX/2019, at a Wells Fargo Bank ( WF ) located on XXXX XXXX XXXX. XXXX, GA XXXX. I did not conduct this transaction. I have been in dispute with WF since this time through written request. WF argument is that because the card was in my possession and contains a chip, I conducted the transaction. I have asked WF for additional proof, i.e., video, documentation, and any other proof available which has been denied. WF has requested that I file a police report, of which I have complied and have now forwarded a copy to WF. 

WF case # XXXX
Consumer complaint received 2021-12-25
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: EQUIFAX, INC. (MD)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Consumer complaint received 2020-10-22
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have ask the for itemization of record from these creditors XXXX XXXX XXXX, XXXX XXXX and Portfolio they have yet reply to my request. Can you please ask them to do so. I should not have to be filing this complaint against them if they would just do their work ask of them.
Consumer complaint received 2017-08-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (IL)

I tried opening an account with Chase bank today. The gentleman informed me that they would n't be able to but refused to give me a reason why or a number to contact to find out why it was denied. He said they were not obligated to share the information.
Consumer complaint received 2020-10-22
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: Commercial Trade, Inc. (CA)

I have ask the for itemization of record from these creditors Commerical trade bureau, XXXX XXXX and XXXX they have yet reply to my request. Can you please ask them to do so. I should not have to be filing this complaint against them if they would just do their work ask of them.
Consumer complaint received 2020-07-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (TX)

I owe an XXXX XXXX XXXX Mobile Debt and when I contacted the collection line I authorized a {$25.00} payment. They took {$120.00} out the automated system asked me if I authorized then a convenience fee of {$99.00}. I selected the option for No and they charged me an extra {$100.00} without my authorization.
Consumer complaint received 2019-11-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc. (IL)

So last month I contacted the CFPB in regards to my loan company Carmax XXXX in regards to putting the two months late payments in the rear or the end of my loan, as well as changing my monthly payments due date. At that time I was referred to XXXX ( who by the way was great with the entire process ) However I was told that if I made to payments that they would put the final payment which would have been XX/XX/XXXX Payment in the end of the loan. Which I did make the two payments as requested and required. However I still that late payment and my account is still 30 days past due and I am still getting threatening collection calls and letters from carmax regarding that 30 day late payment. So to me Carmax did not hold up their end and there is absolutely no way that I can come up with any extra payment again. When we agreed to the 2 payments and the final payment would have been placed to the end of the loan. The two payments that I made already caused me a hardship with my other bills. Now my carmax account is showing XXXX and 33 days past due! This is borderline horrible! And Carmax is being misleading and sending false documentation to you and me as far as their responses go!
Consumer complaint received 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

Out of all the 3 credit reporting agencies XXXX has been the worst in keeping and accurately reporting my credit reports! They constantly report old outdated information which then gives me a reduced Fico score? I will enclose my XXXX XXXXXXXX XXXX balance which is XXXX yet on your XXXX it still shows XXXX owed?? Also all my XXXX XXXX cards are all below 15 % credit utilization? It is not reflected accurately on my XXXX
Consumer complaint received 2021-03-26
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. (AL)

I am writing to dispute fraudulent charge on my account. I am a victim of identity theft, and did not make or authorize this charge. I am requesting that the charge be removed, and any finance and other charges related to the fraudulent account be credited as well, and that I receive an accurate statement.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (OR)

i always have the money in the bank so my payments go thru but for some reason the bank always waits til my funds are low and i have to pay the bank always so i have to pay big bucks to the bank and its hard on me bc i have go get my check and it just goes go the bank bc i owe them which i think its not fair this has been going on since ive opened my account i need this to stop or can anyone help me resolve this issue
Consumer complaint received 2020-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (ID)

We applied for COVID relief assistance in approximately XXXX of 2020, Lakeview placed our mortgage in forbearance and explained the repayment options we would have when it came out of forbearance. I should have known early on we would have issues, each person we spoke to gave us a different answer on the length of the forbearance and what would happen when it came out. As soon as we were able to start making payments again we contacted Lakeview to request the account be taken out of forbearance and requested they send the necessary paperwork to move the 3 skipped payments to the end of the mortgage term. That was in XXXX and we still have not received the papers to sign!! We get a different story every time we contact them. Several people told us to start making payments again even though we were waiting for papers, which we did. Then several other people told us to stop making payments because this was messing up their calculations on what should be moved to the end and the payments were holding up the paperwork. So we stopped making payments again. We have been calling for weeks and they keep saying the paperwork has been processed but it's just sitting there, no one can tell us what the hold up is or why they have not sent the paperwork for signatures. We have spent countless hours on the phone with people who don't really know what they are talking about, this has been an extremely frustrating process. And in the meantime they have started sending delinquency notices and pre-forclosure letters! When we call to ask about the notices they tell us these notices go out automatically and just ignore them. However, we are becoming very concerned!! They also told us many many times this would not affect credit scores or credit reporting, however I do not think this is what is actually happening. I tried to refinance another loan and was denied because of the status of this loan that is being reported to my credit!
Consumer complaint received 2019-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MN)

While this complaint pertains to the Monthly Service Fee I was charged on my Checking Account with Wells Fargo, it has more to do with the lack of warning and notification of the service fee that I was charged. I currently have, through the Wells Fargo Mobile application on my XXXX, notifications on any and all activity within my Checking Account. Every time a Deposit/Charge or Withdrawal/Debit is posted to my account, I get a push notification sent directly to my XXXX. I have this set up as this is not my main account, and I like to be aware of all activity within the account. On XX/XX/2019, I logged into my Wells Fargo account on the mobile application and was shocked to see a Withdrawal/Debit charge of {$14.00} related to a Monthly Service Fee that occurred by on XX/XX/2019. Had I not logged into the rarely used account, I would have never known of this charge, and would have been continued to be charged a monthly service fee each month after. The lack of communication related to this monthly service fee is completely unacceptable. I never, at any point, received any push notification or email noting that I would be charged or that I had been charged. I have two other Wells Fargo accounts, with enough funds in them to cover their arbitrary minimum balance requirement, that had I been notified ahead of time I could have transferred funds and been able to avoid the service fee.
Consumer complaint received 2023-05-31
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: EQUIFAX, INC. (OH)

Upon reviewing my recent credit report, I noticed an inquiry from XXXX  XXXX XXXX ( XX/XX/2022 ), which I neither initiated nor authorized. I consider such unauthorized actions a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I hereby demand that you conduct a thorough investigation into this matter and subsequently provide me with all the requisite documentation proving that I authorized this inquiry. Failing which, I request that you immediately remove this inquiry from my credit report. 

If you do not comply with this request or if the investigation results are not to my satisfaction, I must inform you that I will be left with no other choice but to seek legal advice. I am prepared to exercise my legal rights under the FCRA to the fullest extent to protect my credit history. 

Please understand that my credit score is of paramount importance to me and I will not tolerate any unauthorized actions that may negatively impact it. I expect this issue to be resolved promptly and professionally. 

I appreciate your immediate attention to this matter and look forward to your response within 15 days, as is my right under the FCRA.
Consumer complaint received 2023-05-31
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: EQUIFAX, INC. (OH)

Upon reviewing my recent credit report, I noticed an inquiry from XXXX, XX/XX/2022, XX/XX/2022, XX/XX/2022, which I neither initiated nor authorized. I consider such unauthorized actions a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I hereby demand that you conduct a thorough investigation into this matter and subsequently provide me with all the requisite documentation proving that I authorized this inquiry. Failing which, I request that you immediately remove this inquiry from my credit report. 

If you do not comply with this request or if the investigation results are not to my satisfaction, I must inform you that I will be left with no other choice but to seek legal advice. I am prepared to exercise my legal rights under the FCRA to the fullest extent to protect my credit history. 

Please understand that my credit score is of paramount importance to me and I will not tolerate any unauthorized actions that may negatively impact it. I expect this issue to be resolved promptly and professionally. 

I appreciate your immediate attention to this matter and look forward to your response within 15 days, as is my right under the FCRA.
Consumer complaint received 2023-03-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

My mother opened a USAA savings and checking account as well as credit card and now the bank has opted to no longer do business with me. Now they say I owe {$680.00} and it's being sent by a debt collector. I know I didn't make any charges or use this money they are asking for.
Consumer complaint received 2023-03-23
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: EQUIFAX, INC. (CA)

I sent a letter on XX/XX/XXXX to remove the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} Which are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again.,
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (TX)

I leased a vehicle through GM Financial Leasing. I returned my vehicle in XX/XX/2020. My final billing was sent for {$880.00} which includes the {$490.00} Disposition Fee and {$390.00} for Excess Wear and Tear. When I leased the vehicle through GM Financial, I purchased Excess Wear and Tear coverage to cover any extra fees at turn in such as the {$390.00}. I was not aware of having to file an insurance claim which I did. As a result, GMC received two checks. One personal check for {$490.00} and another check for {$390.00} from the insurance company. Both checks were received in XXXX by GM Financial, GM confirmed they received both checks, but one has yet to be applied to my account. It came to my attention at the beginning of XXXX that GM Financial reported my outstanding balance to the credit agencies dropping my credit by almost XXXX points. GM Financial wrongly reported me. I have talked with them multiple times weekly, with also asking to speak to a manager/supervisor, always with a response that one will have to call me back. I finally received a follow up call today but with the same response that they will research my account. This is having an impact on my personal life as I am trying to get a loan.
Consumer complaint received 2023-01-23
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.