davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (CA)

My car was totaled in an accident. My insurance company did a three way call with myself and Wells Fargo Dealer Services. They obtained the payoff amount and the address to send an overnight payment. ( this is the same address currently listed on Wells Fargo Dealer Services website for overnight payments as well ) I have since been informed that the address on the website as well as the address provided by the customer service representative are for NON-INSURANCE claims. The website directs you to choose the pay off reason. Even if you choose Insurance Claim, it provides the same incorrect address. 

The check was sent overnight on XX/XX/XXXX and arrived at the location on XX/XX/XXXX. The check amount was {$5500.00} Check # XXXX. The tracking information for XXXX is XXXX. From that point the check was forwarded to another address for Wells Fargo. 

I called Wells Fargo Dealer services on the XXXX and they stated it could take several days to post to the account and directed me to call back in a week. 

I called back a week later, and was told the check was sent to the wrong address. I explained that Wells Fargo Dealer services had provided the address. They told me due to the wrong address the check would take longer to post, and advised I call back in a week. 

I called back a week later and was told they did have record of the check received on XX/XX/XXXX and that a supervisor for that location forwarded the check to XXXX CA for the insurance payoff team. However, the check at that time was not received at the location as it should have. They advised they would need an additional week to research. 

I called back today and was told they lost the check. They have not applied it, and refuse to reimburse me. My next payment is due in two weeks. They have now asked that I reach back out to my insurance company and ask that they issue another check, and place a stop payment on the first. ( This will of course cause an additional fee to my insurance company for the stop pay - from the bank! ) All of this is costing me and my insurance company time and money. My next payment is due on XX/XX/XXXX, and the insurance said it will take at least a week to get the first check canceled and a new check issued. I do not feel I should be responsible for this payment, any late fees, or any adverse actions on my credit report due to Wells Fargo 's ineptitude. They are a multi national banking institution that had a profit of XXXX XXXX dollars 4th quarter of XX/XX/XXXX. Wells Fargo admits they had the check and lost it. I feel they should be replacing the check, not me or my insurance company. They should be issuing their own check from their own accounts to pay off this loan. If I were 1 day past 30 late on ANY payment, I would have a late fee of 40.00+ and a report on my credit. I would like the same treatment for their mishandling of this issue.
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

This is my second complaints on Bank Of America. I included a file of there response to me and also my response back to them after providing more information. 

Bank of America in its notice to me admitted wrong doing when discriminating against me, a consumer, despite The Consumer Credit Protection Act. 

I also mailed my response via certified mail on XXXX XXXX. 

I intend to fully hold Bank Of America accountable to the use of my credit card pursuant to 15 U.S.Code 1602.
Consumer complaint received 2022-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (AL)

Back in XXXX, I mailed a dispute letter to Waypoint Resource Group requesting debt verification. Additionally, the letter instructed Waypoint to stop calling. Verification was not provided, and I continue to receive calls. I received another call today and, via email, was provided with someone else 's XXXXXXXX XXXX. Same name, but I've never been an XXXX customer. The provided billing address didn't even match mine. They have the wrong guy.
Consumer complaint received 2020-07-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

USAA Credit Card. Two unauthorized charges made on XXXX XXXX for {$230.00} and {$500.00}. I notified USAA when my statement came to file Dispute Claim. Card was closed, charges were removed. On XX/XX/2022 the charges were added back to my bill and I filed another Dispute Claim. I have made many many calls to USAA Fraud Department and they refuse to remove the charges. They promise to call back and do not call back. I sent them a registered letter on XX/XX/2022 requesting the charges be removed and a new corrected statement be sent, but have had no formal response from them. The 30 days are now up. 

I have not paid for these charges because they are not mine. 

Clearly printed on the back of their statement is the USAA XXXX Liability Policy stating that I am not liable for Unauthorized Use of my card. They are not honoring this and I have followed their protocol. 

Please contact them to resolve this.
Consumer complaint received 2022-01-07
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX SYSTEM ( Original Creditor : XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-28
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MI)

When attending school, the financial aid department applied for a student loan each semester. This has caused me to have 12 separate student loans with XXXX XXXX XXXX XXXX. When I make a payment to Navient, I make one single payment, also when I check my loan balance, I receive one balance. However, I missed one payment in XX/XX/2016 and it shows 12 separate missed payments on my credit report due to the way that the schools financial aid and loan company have set up my student loan. This is now causing me a lot of issues and hardship when trying to purchase a home or even find a rental home. I feel that this way of reporting is unfair. I did not miss 12 separate payments as it appears on my credit report, I missed one single payment. I have contacted Navient and the informed me that " this is just the way that we report to the credit bureaus and there is nothing we can do about it ''. I am seeking assistance getting this resolved. I feel that if I file a dispute, the loan company will just send proof of the 12 separate loans to the crediting company and my dispute will be thrown out. 

Any help will be greatly appreciated. Thank you.
Consumer complaint received 2020-08-28
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: CITIZENS FINANCIAL GROUP, INC. (RI)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-07-22
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: Santander Consumer USA Holdings Inc. (IN)

On XX/XX/2020 I tried to call Santander to discuss the issue I am having with them reporting incorrect information to my credit files and was unsuccessful. When I call the number on the letter I received from Santander XXXX XX/XX/2020 XXXX, their automated systems says that they are unable to locate an account with my information. Then it attemps to transfer me to a customer service rep and then the call automatically disconnects. The number that I called is XXXX. I also called all the numbers listed on my credit file and I receive the same results. Santander sent a letter stating they don't have an account on file for me, and to call customer service but then turns around and reports further inaccurate information to my credit file.
Consumer complaint received 2018-03-28
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

I have been working with Navient for 4 months and told them I would pay my remaining 4 month balance off. I just sent them XXXX and not remaining balance is XXXX. They have confirmed agreement and stated I would be ok to pay it off once I received my check at the end of XXXX. 

They lied and sounds like a XXXX issue as they are deceptive and report credit even when they promise they wont. 

What resolution do I want : I have the XXXX to pay them off now! I will pay it as soon as they take the mark off my credit report. 

I am amazed they are allowed to get away with these practices.
Consumer complaint received 2018-07-09
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: The CBE Group, Inc. (GA)

I been harsed that the company has contacted my employer and said that I have a bad debit the company name is c b e group address XXXX XXXX XXXX XXXX Iowa zip XXXX account number that I have no knowledge of is XXXX this debit does not belong to me XXXX XXXX
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (GA)

Please see attached documents. I am requesting debt validation-verifying the original creditor, which I am entitled to under 15 USC 1692g ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor.
Consumer complaint received 2023-03-23
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 — Investigation took more than 30 days
Company: Westlake Services, LLC (FL)

The company is reporting a debt that's out statute they are reporting an inaccurate date of last activity and account history. Please make them show proof of what they are reporting to my credit which is causing an undue hardship.
Consumer complaint received 2018-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (WA)

XX/XX/XXXX from XXXX XXXX XXXX XXXX that we could have our PMI insurance removed. We sent in a check by certified mail XX/XX/XXXX as requested for a home inspection. We never heard from the assessment agent. XX/XX/XXXX our check is returned stating that the assessment agent could not get hold of me. XX/XX/XXXX we again asked for the PMI insurance removal and sent another check by certifed mail. With a note stating that I am hard of hearing and that the agent must speak slowly leaving a message since I don't hear my phone ring most times to set up an appointment. XX/XX/XXXX sent another certified letter asking what is going on since I have not heard from the assessment agent. No response. XX/XX/XXXX filed a complaint with the Office of the Comptroller of the Currency. XX/XX/XXXX received a letter stating that my complaint filed is no longer under the jurisdiction of the OCC has to be filed with the Consumer Financial Protection Bureau.
Consumer complaint received 2018-03-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Check City Partnership, LLC (NV)

I went to get a check loan from Check City/XXXX  on XX/XX/XXXX and was declined through XXXX XXXX and outstanding check loans through other check loans sources but as of XX/XX/XXXX XXXX  sent a credit freeze approval confirmation to me and as of XX/XX/XXXX those old check loans mistakenly done on my part were discharged through my bkXXXX ; that are still reporting to the pulic as of this day although I have requested to not have them reported to all three credit bureaus.
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (PA)

Sent a letter to Experian more than 30 days ago, still haven't heard from them and the inaccuracies are still showing on my consumer report, due to this fact I have been discriminated/denied for several extensions of credit and a mortgage. These inaccuracies are hurting my livelihood, therefore I demand for Experian to delete of all these inaccuracies.
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX mi XXXX has garnished my accounts on XXXX for XXXX dollars and on XXXX for XXXX dollars and XXXX dollars. They are saying they are working for portfolio recovery associates llc. on a case for XXXX I called XXXX and they say no I dont owe any thing. Portfolio recovery says they have a dispute on the case and everything is on hold. XXXXXXXX XXXX  XXXX say they dont care and are taking the money and they did.
Consumer complaint received 2022-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I sent my letter off. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. 

I sent a letter on XX/XX/XXXX, XXXX XXXX XX/XX/2022 reporting evidence of inaccurate information to Transunion. Transunion responded that the information was VERIFIED & ACCURATE! 

Transunion had violated the law by Furnishing inaccurate information and not doing a proper investigation and a proper reinvestigation. 

Transunion has violated the laws : 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681l - Restrictions on investigative consumer reports Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, Transunion has brought hardship to my financials, household and impaired my credit worthiness.
Consumer complaint received 2020-05-06
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. (WI)

XXXX  and Transunion should not be reporting a collection on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) These charges were covered by my medical insurance and these charges were submitted when services were obtained. I received a bill and contacted the billing department and provided the representative at the billing department all of the insurance information again however, it was still not billed correctly. I have attached a copy of my insurance card for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2018-07-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (TX)

Purchase items from my XXXX XXXX credit card but through XXXX websight. I returned all items of clothing. I purchase shes 3 pair. only items I kept total $ Payment Payment Date : XX/XX/2018, Payment Amount : {$20.00}, contacted via email bal is incorrect, they ignored and billed me for XXXX when bal was XXXX. I called today and now my bal is over 100.00 reps are rude, refused to help me, added late fees and items I returned. manager claim she would transfer me but hung up. They have no right and refused to assist
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One ( Quicksilver Credit Card ) I have three existing Capital One Credit Cards but unfortunately, for just about 2 weeks now, my quicksilver credit card has been giving me tons of headaches.. 

Capital One claimed that they only report once every cycle or month to credit bureaus, infact they did. For my latest statement balance, I only owed {$110.00} which was reported to the credit bureaus reflected as part of my credit report. But just last week, Capital One has started to GIVE INACCURATE information to XXXX and XXXX. They have forwarded my RUNNING balance which has affected my score. I made a dispute directly to the credit bureaus and XXXX has rectified the initial report, but Capital One still gave them an inaccurate information for the second time. My current running balance is at {$480.00} and at anytime, it will change. 

My GREATEST ISSUES : 1. Why Capital One is reporting my running balance even if they have already reported my statement balance.