davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (MN)

I received an auto loan through Wells Fargo for my truck. Unfortunately, I have developed an XXXX in my XXXX as a result of a XXXX XXXX. Due to the XXXX I needed to have my XXXX  XXXX XXXX taken out and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. For six weeks Ive been on antibiotics through an IV. Then a XXXX XXXX XXXX surgery and a few months of recovery. During this time I am unable to work. I also have no income, I am waiting for the auto insurance to send me a check for my lost wages. I have tried to work this out with the lender and they said they have no way to help me. When the check is sent I will be able to pay off the total owed for while Ive been off work XX/XX/XXXX- XX/XX/XXXX.
Consumer complaint received 2019-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

When applying for a capital one credit card I was told once they received a security deposit of {$99.00} was received they would send me my card. I received the credit card and then received another letter in the mail a few days later saying they didnt get my payment. I tried calling to find out and make a payment if needed and couldnt get ahold of anyone and didnt get the option to make a payment.
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. They have not verified these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible  Thank you.
Consumer complaint received 2022-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX and XX/XX/XXXX I received a text claiming they were Wells Fargo XXXX they were trying to XXXX funds claimed they had to block numbers and transfer funds in order to stop scam when I went into my account my funds were gone I then called Wells Fargo they said to wait I called back on Friday XX/XX/XXXX they finally filed two claims one for {$1000.00} and one for {$700.00} told me I had to wait up to ten days for conclusion. I have been calling on XX/XX/XXXX I called back they closed my claim on XXXX I never received a call back and they are telling me sorry there is nothing we can do you have been scammed!!! I cried!!! It might not be much money but Im on XXXX and its all I had. I am extremely devastated Ive been banking with Wells Fargo and on the online app they guarantee XXXX transactions unless authorized well it was authorized to me!! But was never deposited into my account.. PLEASE HELP!!
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX i faxed a letter to Experian about inaccurate, non verifiable bankruptcy information reporting on my credit report. it is now XX/XX/XXXX and still no letter, no email, no response, no change in my Credit Report. I also sent the same letter, on the same day to XXXX, and XXXX whom responded and removed that information from my report.
Consumer complaint received 2020-11-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (GA)

I paid off a Hyundai over 15 months ago, and I have been unable to get Hyundai Finance to release an electronic lien since then, so I can not get the title. I have called Hyundai Finance 9 times, been to the XXXX 4 times ( who have been great, by the way ), and even went to a Hyundai dealership, but still no title. I have received two affadavits from Hyundai Finance showing the loan is paid off in full, but they have been unable to clear the electronic lean after numerous calls.
Consumer complaint received 2019-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions. (OH)

To Whom It May Concern, The reason for my dispute is FBCS Financial Service was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, FBCS Financial Service failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) FBCS Financial Service failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation FBCS Financial Service is  held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where FBCS Financial Service is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this  collection account to be removed from my credit report. XXXX XXXX XXXX # XXXX**** has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2021-06-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

The Circuit Court of XXXX County started a foreclosure proceedings process while I was under the protection of Federal Bankruptcy Protection. And they furthermore, granted the banks J. P. Morgan Chase, N.A., and XXXX XXXX, XXXX, ( The Trustee for J.P. Morgan Chase ) who actually filed for the foreclosure proceedings which was an illegal act in and of itself! 
There was evidence of bank fraud and the case was heard by a circuit court judge without me being present for the proceedings nor was I notified of said proceedings. The way I came to know about all of this is when a process server taped a notice on my door, rang the doorbell and ran back to his vechicle and drove away. So, I never had a chance to face my accusers, which is a violation of my constitutional rights. And, the process server gave false affadivit stating that he served the homeowner and that was not true either. I tried to obtain justice in the Federal District Court but the case was repeatedly thrown out citing the lack of subject matter jurisdiction each time. It was never on the merit of the preponderance of evidence that I provided to the court for remedy and recourse. The Case No. # XXXX, and the XXXX Court dismissed the case also citing lack of subject matter jurisdiction.
Consumer complaint received 2020-11-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a dispute in regards to the incorrect items on my credit report, it has been well over thirty ( 30 ) days and I have yet to recieve any investigation results.
Consumer complaint received 2021-02-11
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. (GA)

this complaint has been ongoing with ONLINE INFORMATION SERVICE since XX/XX/XXXX, i have sent them various letters asking for verification in which they has not supplied, and i have also sent it to transunion to verified it since the debt collector can't.I haven't gotten any response from neither of them and this is causing me harm from getting any credit, car or home.I have sent Transunion another letter asking for verification on XX/XX/XXXX as well.
Consumer complaint received 2019-09-27
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CO)

About 30 days ago, my wife put in for a refinance. I put up earnest money for another property because she is refinancing the statute home in her name. The property I am purchasing in my name can not be purchased until the title is clear out of my name. I was told 60 days was standard by Navy Federal, however that seems excessive. Also they cant even give me a hard date so that way I can set a closing days on my new property and Ive called four times and message three times. Please help.

Thank you
Consumer complaint received 2020-09-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (DC)

I am a federally protected consumer and I am requested validation of the alleged debt with Caine and Weiner. The document was received on XX/XX/2020 and I have not received a response from the company regarding the alleged debt.
Consumer complaint received 2021-06-07
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. (FL)

On XXXX, I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XX/XX/21 your agency had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. 

This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ). 

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

Please reply within 15 days or delete the negative items, as originally requested. 

Below are the items that do not belong to me that you continue to report illegally. 

XXXX. XXXX XXXX XXXX  XXXX XXXX {$470.00} and XXXX. XXXX XXXX XXXX XXXX  XXXX {$4600.00} Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately
Consumer complaint received 2022-04-29
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: BARCLAYS BANK DELAWARE (AR)

Barclays bank of Delaware reported late payments on my account back in XXXX, They stated that the account was open when I called them XX/XX/XXXX when actually it was suppose to have been closed XX/XX/XXXX. They reported that the account was closed and paid in full. This is causing undue hardship with this negative information
Consumer complaint received 2018-02-09
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Affiliated Creditors, Inc. (TN)

XXXX called my cell phone at XXXX XXXX  on XX/XX/2018. They left a voicemail that says this exactly : " We have an important message from Affiliated Creditors. This is a call from a debt collector. Please call XXXX Extension XXXX. Thank you. '' I have 0 debt in my life, and I have never had any form of income. I am a XXXX XXXX with no debt, and these people should not have my number at all.
Consumer complaint received 2022-10-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

I have previously disputed this debt with LVNV Funding directly & via this resource before with no resolution. They are reporting false information dates & amount due hurting my credit score. They also do not have license to collect debt in the state of Florida and are harassing me with phone calls stating they will garnish my wages & file suite . They are not licensed in the state of Florida and are doing so illegally and harassing calls daily. They need to stop their illegal practices immediately
Consumer complaint received 2021-06-07
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)

I attempted to access my Equifax report on XX/XX/XXXX I received a response that I was not in the system then I receive a post card mailer telling me they wanted all my identification., I accessed it through initiation of a dispute someone is accessing my report they had a phone number listed it had all numbers masked except the last XXXX digits which were XXXX XXXX XXXX And as of today I accesses my report with no phone number listed and the inquiries on my report are fraud which I can not dispute because the link listed is no good XXXX. I have my last report plus the one today and the hard inquiries as well as the soft have been the on going battle of disputing items for over 10 years with Equifax I have my reports that date back to XXXX to the present day, And XXXX report I can not ever access on line eve! r I have attempted by phone and www with no success the fraud forgery and aggressive ID theft is within these organizations .and my reports are dated back to XXXX when all the fraud began and XXXX  has manipulated my reports by changing my report file in XXXX XXXX all three of this services are fraud deception in the violations of the practices that are on going.
Consumer complaint received 2023-04-04
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. (NC)

I have not been able to monitor my credit since Equifax makes it impossible for me to do so. Things have been added to my credit report and I have not been able to review or dispute this information since they have my profile locked. They are also reporting lots of incorrect personal information.
Consumer complaint received 2021-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have inquiries that are the result of fraudulent activity, they have not been authorized. My information was also compromised in the XXXX Data Breach.
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (IL)

American Express credit card annual fee for me renews every XXXX. In XXXX of XXXX they offered XXXX of their points to renew. In XXXX they had not added it so after contacting them again they corrected their mistake and added them. In summer of XXXX they increased their annual fee and when I went to close my account a year later in XXXX of XXXX they are preventing me for the earlier reason. They are saying there is a XXXX dollar charge to close the account within 12 months even though their offer for the retention was made in XXXX this 14 months. American Express will only allow me to pay XXXX dollars to stay or XXXX to close my account even though I have held my end of the 12 months and they raised the fee nearly XXXX dollars a year.
Consumer complaint received 2020-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-06-07
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: ProCollect, Inc. (NY)

There has been several attempts for procollect Inc to validate a debt they stated was mine. I have tried many attempts to get procollect to validate this debt by sending validation letters directly to them since XXXX2020. I have also sent all three credit bureaus certified receipts and letters that I have sent them and only XXXX  has been removed off my credit report. I have sent certified return receipt every time and pro collect still has not responded or removed it from my credit reports. I also hired XXXX XXXX after not getting anywhere and they stated they have not had a response from procollect Inc either since there attempts since XX/XX/2020 2020
Consumer complaint received 2020-01-23
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. (MI)

XXXX XXXX -credit card was changed off in XX/XX/XXXX ; the account was there in the company bankruptcy filling it was a joint account ; The balance unpaid been reported since XX/XX/XXXX ; The account is more then 7 years old and should not be on my file.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX {$700.00} XXXX {$700.00}
Consumer complaint received 2020-11-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (TX)

On XXXX XX/XX/2020, I purchased a new XXXX  XXXX  XXXX  and financed through Honda Financial Service by an older male dealer who did the final transaction. Within the week I noticed that my loan had an additional charge of {$1700.00} for Preferred Protection Plan ( PPP ) that I did not ask for. I went back to XXXX XXXX  and requested that the additional charge be removed. This deceitful man told me that I can pay now or later for repairs. I adamantly requested for the additional charge to be removed from my loan. He had me fill out a Cancellation Request Form. I made a copy. A couple of months later I still see the fraudulent charge still added to my loan. I called Honda customer service and was told that they will get back to me as soon as possible. That was a couple of months ago and I am still paying interests for the loan with the additional charge. I called Honda Financial Service and they said that they cant help me from their end. From XXXX to XXXX is a long time for them not removing the extra change. Please, I request assistance to make this right. Thank you
Consumer complaint received 2022-01-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX, I went, in person, for the XXXX time, to the Chase branch on XXXX XXXX, XXXX, TX, to request XXXX XXXX  wire transfers to my XXXX sister, XXXX in XXXX, the other in XXXX. I had with me ALL documentation to show who I was, and all needed information about the Banks of my sisters ( BTW First time I went, the lady who was supposed to help me said that there were XXXX number missing, about the Banks, but after calling my sisters, who went to their banks, and were told that info should be sufficient, I returned to the Chase branch, and XXXX XXXX, with exactly the same information that I had presented the day before, was able to initiate the wire transfers. Or so I thought! 
Except tha a few days later I received a letter from Chase saying that their Electronic money Mover Team had CANCELED the wire transfers, that seemed to them unusual, but without contacting me nor the branch! When people go in person, it seems logical to assume that they really want the transaction to go thru!!! 
Any way, since then I have spent countless hours on the telephone with them, often waiting up to XXXX minutes waiting for a person to come to the phone, and I have gone to the branch XXXX more times, and now they want me to the branch again!!! 
I am XXXX ( soon XXXX ) years old, I XXXX XXXX any more, so XXXX have to take a cab to go there, with time and expenses adding up. It is a real inconvenience and totally unfair!!! 
They have created the mess, and caused me a lot of frustration XXXX XXXX, and they should be able to resubmit the wires without me having to go back agin for the XXXX time : they should have all the information and they can contact me for anything else they might need. But I should not have to go to the branch AGAIN. 
I hope that you guys will be able to do something, and I hope that you can let me know what is being done. Since this has been going on since XXXX XXXX, there is a certain urgency to this!!! 
Please respond. 

XXXX XXXX ( XXXX ). XXXX XXXX XXXXXXXX XXXX XXXX