davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

Capital One lowered my credit limit from XXXX down to XXXX. My account is in good standing. They notified me after they had lowered my limit that it was because I don't keep a high balance on my card.
Consumer complaint received 2016-01-12
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (NV)

In XXXX of XXXX, I took out a 12 month interest free loan from Wells Fargo to purchase furniture. I immediately set up automatic payments to pay about {$500.00} per month on the loan. Then in early XXXX, XXXX I called Wells Fargo to get an accurate pay-off amount to avoid over or under paying the loan. The representative told me the interest free period ends in XXXX and to contact Wells Fargo at that time to pay off the loan. I contacted Wells Fargo on XXXX XXXX to get the pay off balance. They told me the interest free period expired on XXXX XXXX and that I owed the full {$4000.00} in interest accrued for the entire year ( 27.99 % interest rate!! ). I explained that I called in XXXX and wanted to pay it off then and was told to wait. I told them to listen to the recorded phone call. They ignored me and then offered to take off {$2000.00} of interest only if I paid immediately. I declined and the representative said it would go into dispute and threatened that interest would still be charged up to 60 days more. Based on my phone records, it is obvious my intent was to pay off the loan to avoid interest charges. I have a high credit score and have no problems paying off the loan. What are my options?
Consumer complaint received 2022-02-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (TX)

My apartment leasing company XXXX XXXX submitted this to their debt collection agency without allowing me to make payments. 

The debt collection agency refuses to also help may payment arrangements. 

Both XXXX and I Q Data have laughed about the fact that this will go on my credit report and do not care about helping. 

IQ Data representatives have harassed, hung up on me and threatened to ruin my credit.
Consumer complaint received 2020-07-10
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: Federal Adjustment Bureau, Inc. (OH)

I have filed a dispute with the credit bureaus in regards to incorrect items on my report. It has been well over 30 days and I have not received any feedback or investigation results.
Consumer complaint received 2016-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion has failed to update an address, and released unauthorized credit information to the XXXX XXXX XXXX, XXXX XXXX, XXXX, etc. At no time after 2007 have I authorized any of these entities to receive credit information. The only entity on my credit report that has a legitimate interest is XXXX, who has a small revolving line of credit for about {$1000.00}. 
Someone needs to go after these unauthorized entities. I do not now, nor have I authorized any insurance company to pull credit reports, nor have I authorized the XXXX to pull credit reports after 2007. 

Another problem is the address. I provided proof of address to Transunion, but their web server refused, it and threatened me, indicating I have viewed my credit report four times. 
The correct current physical address while visiting XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX, CA, but this is not to be seen, and Transunion wo n't update it.
Consumer complaint received 2015-08-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

In XXXX we filed Bankruptcy and it was approved. We continued to pay our mortgage and the chapter XXXX was approved. After the approval of the bankruptcy we received a letter from Wells Fargo Mortgage asking us to reaffirm our mortgage. We went back to the lawyer who handled our bankruptcy and we were told that in NC we could not reaffirm a mortgage. At this point we did nothing. 

After the bankruptcy was granted we approached Well Fargo for a loan modification as we had a 6 3/4 % loan from XXXX. We were denied this request as we were current in our payments.We were told we would have to miss payments before they would talk to us. We stopped payments. Within XXXX months we got a call from WF about the payments at which time re requested a loan Mod, we were put in contact with that dept. and after time. denied a Mod. Back and forth for months and the foreclosure process was pu into process by WF. Meanwhile we are still working on the loan Mod. 

The house was due to be foreclosed on in XXXX XXXX?, we had XXXX weeks before we were out and a court appearance was scheduled. 

We received a letter from WF saying they would grant us a modification and we received paperwork. When we applied for the loan mod. we owed aprox. {$120.00} with a XXXX rate. and a {$1200.00} payment With the Mod. granted the new payment would be {$1100.00} at XXXX rate and a new mortgage of {$140.00}. We accepted as we did not want to loose the house. 

We had XXXX prior years with perfect credit and never missing a Mortgage payment on XXXX different Mortgages and WF bent us over the barrel and did almost nothing to help. 

Our only income at this time was S.S. with a combined net income of {$XXXX} with XXXX month Mortgage of {$13000.00} which left us with $ XXXX.to live on which is {$XXXX} a month of which {$XXXX} a month was going to medical insurance over and above XXXX. 

As for the loan modification request, we had to submit the application XXXX or more times as they kept lelling us they never received the paperwork and at the time we had the fax receipts to prove we faxed the documents. XXXX finally fixed the problem as someone had to sign for the package. 

All we ever asked WF for was a lower interest rate and we got nothing.
Consumer complaint received 2022-02-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PENTAGON FEDERAL CREDIT UNION (NY)

I sent {$50.00} to PENFED Credit Union in November 0f 2021 for membership in the credit union, along with membership, routing, and account numbers, received from PENFED, but I was never able to log in, so I was told that they could not verify that I was who I said I was. 
They had my money with the information supplied to me by PENFED. This log in problem lasted more than a month, I specifically asked for a return of my money and a termination of any and all business with PENFED. I was told that it would take a week.IT 'S BEEN months. 
I want my {$5000.00} dollars back and no further contact with PENFED.
Consumer complaint received 2022-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I have a collection on my credit repot from LVNV FUNDING LLC Original creditor : XXXX BANK. I have no idea where this account came from and reached out to this company several times a d I have gotten no verification of this account and I'd like it deleted from credit reports
Consumer complaint received 2015-04-22
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (IA)

Back in XX/XX/XXXX we had to claim chapter XXXX bankruptcy. I had a loan on my car with Wells Fargo I made my payments, then paid the car off in XX/XX/XXXX. When I looked at my credit report I noticed I did n't get any kind of credit for doing this. Wells Fargo stated it was discharged in Bankruptcy. I called them and they said it was there right to not show I made my payments and that I had paid this account in full because we filed chapter XXXX and did n't reaffirm the loan so this is why we do n't get any credit for the payoff or my monthly payments made. I do n't understand how they can do this and how can I rebuild my credit when things like this happen.
Consumer complaint received 2015-08-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within XXXX ( XXXX ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Consumer complaint received 2023-07-19
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: EQUIFAX, INC. (FL)

I have disputed multiple things on my Credit app`to no avail I request my original signature and to see the documents signed but the three XXXX. Equifax andXXXX and none of the have proven anything I'm at the 2 year mark and nothing has been proven or fixed
Consumer complaint received 2022-08-15
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. (NY)

In accordance to the Fair Credit Reporting Act : 15 U.S.C. 1681 Section 604 A Section 2 Equifax does not have my written permission to report the incomplete, inaccurate bankruptcy that they are reporting in my file. 

Equifax has falsely claimed that they received the information from XXXX. XXXX has verified they DO NOT have the bankruptcy Equifax is claiming they received from them. 

XXXX has verified that if there were a bankruptcy in my file it would be listed in the TABLE OF CONTENTS section of my XXXX report. There is not a bankruptcy listed in the Table of Contents section of my XXXX report. 

Equifax continuously reports they took steps to verify inaccurate, incomplete information but when I verify the steps with the furnisher of the information, the furnisher says they don't have the information Equifax claimed was verified with them. 

Equifax needs to be held legally accountable for their fraudulent business practices.
Consumer complaint received 2021-02-25
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: DISCOVER BANK (OR)

I filed dispute with discover thru XXXX - its been finalized & XXXX has removed it from their report. But Discover has sent me this other person 's statements to my home address in XXXX, for XXXX XXXX XXXX XXXX who live in XXXX, WA.
Consumer complaint received 2021-01-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc. (VA)

I've been working to resolve this issue for more than a year. I received an alert that a collection was added to my credit file by Receiveables Management. The account in question was previously paid by the insurance company and reversed one full year later. The original creditor never notified me that the payment was reversed. Receivables Management improperly collected and reported to the credit bureau without providing adequate time for me to review and dispute the debt under FCRA. I have always had health insurance and there is no reason for a medical visit to go to collection. It is unfair that I am being penalized by the negligence of the original creditor.
Consumer complaint received 2020-03-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I took a Line of credit through XXXX XXXX  in XXXX of XXXX. My suddenly passed away in XX/XX/XXXX. I was concerned that I needed assistance to resolve his debt .so I contacted Citizens Bank came forth and offered to pay off my debt. I made an attempt to reduce the principle balances by paying extra monies. Citizens Bank then advised me that I would have to request the application on the check that I send monthly reduce the principle balance by paying extra on the principle payments. When I noticed that the balance was not reducing. It was being applied to the interest only. I am now faced with the possibility of not having the payment that have been made in the past 2 years not being applied properly
Consumer complaint received 2022-08-15
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: EQUIFAX, INC. (NY)

On XX/XX/2022, I sent a letter regarding inaccurate and unfair items on my report. ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( A ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. You HAD 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ). It has been well OVER 60 days! Under the FCRA, unverifiable accounts must be removed. I demand these accounts to be REMOVED before legal action is taken.
Consumer complaint received 2015-05-26
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX I received an offer from chase mileage plus explorer credit card that said if you sign for the card and you expend {$2000.00} in the first XXXX month you will receive XXXX miles in your united account and if you add another person to your account you will receive a extra XXXX miles, so I call an made the over the phone application and ask the customer service all the staff to qualify to the offer, they assurance me that there was no problem if I expend the money I will get the miles, so I sign I got the card I begin to use. XXXX month later I called to CS about the miles they said do n't worry in XXXX XXXX billing cycle you will get it but that was not true I called again on XXXX XXXX and I spoke with a supervisor He said to me that He can not understand why I did no got the miles posted to my account yet but He is going to put a request to the " marketing department '' and I should receive the miles in XXXX days and a letter from that department in less that XXXX day, so I went to vacation and when I return I checked my miles did not change but I got a letter from chase that state that because I receive a bonus credit in XX/XX/XXXX I did not qualify for this bonus offer and I did not going to get any bonus miles with this card. I call back to CS and they repeat the same thing to me. I can understand that can be the policy of the company but why they sent the offer to me, why when I call to apply they did not mention about that rule, why went I called XXXX month later they did not same nothing and why when I spoke with a supervise on XXXX XXXX He assured that they was not problem that I ll get the mileage, Chase was lying to me as customer from they XXXX, the only reason that I sign for this card was for the miles if not I can get any other card offer I have excellent credit every day I got by mail different offers if you can get the voice record of my conversation you will hear that the latest Supervisor was agree with my point but He can not do nothing Those were the company policy, off course to attract customers from the competition. From my point of view those policy are unfear marketing policy that try to scam the customer not showing the real rules of the game from the beginning.
Consumer complaint received 2015-07-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: J&L Collection Services (CA)

I reached out to XXXX agency debt consolidator to resolve my debt with J & L Teamworks who is a debt collector. When i sighed we agreed I would only pay {$2100.00} and pay {$150.00} a month to settle my debt and fix my credit. XXXX agency only had business with me for a short while, then transfer me over to another Consolidation company closer to me in California. I ask if my agreement of {$2100.00} would still be in place and my payments of {$150.00} per month would still apply and they said yes. After about XXXX years my balance went down to {$680.00} and I requested a payout. XXXX XXXX said it should not be a problem and reached out J & L Teamworks to settle. I waited awhile on the phone and when they returned they said that J & L Teamworks wanted {$7700.00} to settle and wanted to add XXXX other accounts to my balance. I said no. XXXX XXXX wanted me to sign a new contract to add the new balance and the XXXX other accounts, i said no. They said would I like to terminate my services till I have the funds to pay off the settlement and i said no I want to pay off the original agreement and they refuse to and hung up. When i got a statement the next month they add {$7700.00} to the balance and added the XXXX other accounts. I felt my first amendment right were violated. XXXX then sent me an email stating that i have been paying on the account I never agreed to and sending me false statements every month.
Consumer complaint received 2017-01-25
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Goldstein, Cruise and Smith LLC (RI)

Goldstein and Smith called my dads home phone- spoke with him and also left messages on answering machine that i have a legal suit in there office and i will go to jail unless i call them or they get payment from my father
Consumer complaint received 2015-05-28
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (NH)

so I went to trade in my car at a dealership when they got my info from my bankruptcy they told me I have n't made a payment since XXXX 2013 when I filed my bankruptcy. I told them I have been making my payments all along. that 's when they showed me my info on my bankruptcy and it showed only XXXX or XXXX payments. so they had to add all the obsolete payments up and add it to the price of the vehicle I was going to buy. and it came back that my monthly payment would have been {$950.00} a month. I laughed at them and said no thanks. I do n't think Honda financial should be able to hold all my payments from my credit report. it was killing my credit and also my car was n't even include in my bankruptcy in the XXXX place. I was on a 3 year plan to pay my bankruptcy off and I was told by Honda financial that they would n't put all my payment on to my credit report till it was all paid off. so now I cant trade my car in until all this is straightened out. what a big pain XXXX this has been. got to love the banking system!! not.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Good Morning to all parties involved, According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with [ XXXX XXXX Bank associated with XXXX for the month of XX/XX/2023, XX/XX/2023 & XX/XX/2023, XX/XX/2023 and XX/XX/2023 ] be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Consumer complaint received 2022-07-20
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. (LA)

Hello! 

I sent a letter to the credit bureau over a month and a half ago on XX/XX/22 requesting an investigation on my XXXX XXXX and XXXX  XXXX XXXX accounts and have yet to recieve a response, mail or anything regarding these accounts in question. 

All I asked for was a validation of the debt ... a re-investigation! 

Please have them investigate these accounts or remove them from my credit report ASAP! 

Thank you!
Consumer complaint received 2015-08-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Gitsit Solutions, LLC. (TN)

My mortgage is with Kondaur Capital Corp. I have been tryin to get a payoff on my home since XXXX 2015. My daughter XXXX XXXX have contacted then as well. We have spoken to XXXX in which she refuses to call back or send my payoff on my home. We have spoken to her Manager XXXX XXXX several times and he never returns call nor has he sent my payoff on my home. I also left message for XXXX XXXX he has not returned my calls either. I have been asking for a payoff so I can pay my home off while I have the money. The second mortgage company XXXX XXXX. cant give me a settlement on my home lien because Kondaur refuses to send me a payoff.
Consumer complaint received 2015-10-26
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: First National Collection Bureau, Inc. (IL)

I paid the XXXX bill in full in XXXX of 2015. It is over 30 days and now the Collections Agency I paid the debt to is telling me conflicting information. I need this account removed from my credit bureau account. Please have this corrected at once. It is holding up my mortage. Thank you.