davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-26
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

Although this complaint had been answered after a long delay, I would like to place it record to demonstrate continued deception and fraudulent tactics used by Wells Fargo towards servicing my loan. 
During a call on XXXX XXXX, XXXX with a Wells Fargo representative advised me that the " XXXX XXXX '' attorneys were appointed by the State of New Jersey and Wells Fargo has no control over them. I sent in an inquiry to Wells Fargo on XXXX XXXX, XXXX seeking clarification. On XXXX XXXX, XXXX, XXXX XXXX called me to state that attorneys represented Wells Fargo but he would not be able to provide confirmation by mail before XXXX XXXX, XXXX. There was a two week lapse in receiving confirmation and Wells Fargo finally acknowledging that XXXX XXXX were retained by Wells Fargo. I believe this was another deliberate misrepresentation by Wells Fargo to delay the processing of information and prevent request for further information from their retained attorneys. The confirmation was finally mailed out XXXX XXXX, XXXX. I believe they intentionally mislead consumers by such instances of false information so that consumer are unable to contact appropriate personell.
Consumer complaint received 2018-07-05
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 (MS)

I obtained a copy of my credit report and realized there were two credit card accounts ( Capital One and XXXX ) tied to my name so, I disputed both accounts. After the dispute process, both accounts were claimed to be verified by the credit card companies. These accounts were opened fraudulently on my behalf and I would like them removed from my report immediately.
Consumer complaint received 2017-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I CHECKED MY CREDIT FILES AND FOUND FRAUDULENT INFORMATION I NOTIFIED THE THREE CREDIT BUREAUS AND WAS ADVISED BY THEM TO GET A POLICE REPORT I DID AND MAILED IT OFF WITH THE FRAUDULENT ACCOUNT INFORMATION. THE FRAUDULENT INFORMATION IS ( XXXX XXXX XXXX XXXX XXXX XXXX ).
Consumer complaint received 2020-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (IL)

CCS, Is reporting a collection account for {$180.00} on my credit report. I DO NOT owe this debt. I've reached out to this company for VERIFICATION of this debt. Only to receive a bill and that is NOT proper VERIFICATION of a debt. They have failed to provide me with necessary documents that will prove this account or debt belongs to me. I never sign a contract with them. I never given them any permission to CALL my phone MULTIPLE times day and night. Leaving me no chose but dispute this unverifiable debt. I also reached out to XXXX, asking for a VALIDATION, only to receive a response that it VERIFIED. Which they NEVER verified it. 

Also this collection account # XXXX reporting PAST DUE, which a VIOLATION of the FCRA.
Consumer complaint received 2018-07-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (MD)

After pulling copies of my credit reports from XXXX, XXXX, and XXXX, I discovered a collection account from Security Credit Services listed on each of the reports. I sent a letter to Security Credit Services and requested validation of this debt in XX/XX/2018. The agency responded by sending a lease agreement ( attached ) that contains information similar to mine, but not my information. My name on the documents are spelled incorrectly. My last name is XXXX, the lease has it listed as XXXX. Also, the telephone number and email address listed on the lease do not belong to me. Also, there is no signature or SSN on any of the documents provided. I have not leased any jewelry from XXXX , XXXX as the documents provided by Security Credit Services claims.This lease does not belong to me, and should not be on my credit reports and is causing me considerable financial harm. 
After contacting Security Credit Services by phone and expressing that this account is not mine, and pointing out that the information in the lease does not match my own, I was informed that I would need to provide them with a police report and a notarized affidavit in order for the item to be investigated and removed from my 3 credit reports. I feel that this is unreasonable, and that the debt should be removed immediately as they have failed to provide any proof that it belongs to me.
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (VA)

I was booking hotel reservation through XXXX XXXX XXXX ( XXXX ) Mobile App and I was presented with offer to apply for XXXX XXXX XXXX Credit Card provided by Chase that will allow me to earn XXXX bonus points and {$200.00} credit statement if I spend {$3000.00} in first 3 months ( I have all the proofs in screenshot format ). Considering this as a good offer, I applied for the credit card and was approved for it. After receiving my credit card, I spent approximately {$4500.00} in first 3 months. But as a bonus I received only XXXX points and {$200.00} credit statement. I reached out to XXXX Customer Service to question about remaining XXXX bonus points and they are of no help as there is finger pointing between XXXX and Chase. I explained to XXXX that I applied to this offer through their XXXX XXXX App and they are responsible for advertising it ; but they are not willing to resolve this issue. This is a fraud that they are offering one thing and delivering another thing.
Consumer complaint received 2016-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

equifax was correctly reporting an account-american honda fiinance from XX/XX/XXXX to around XX/XX/XXXX on their report @ XXXX this account was reported correctly as included in chapter XXXX bankruptcy, but around XX/XX/XXXX, they removed the included in bankruptcy and they started showing current late or missed payments, when i disputed the item i included a copy of the bankruptcy listing american honda finance but the result of their investgation claims that XXXX claims that they are reporting the item correctly and they informed me that it does not make any difference what i provided to them as they do not make an changes based on any documents that i provide but only in what the company reports, i have spoken to XXXX XXXX and they indicated that they are reporting correctly to all credit reporting agencies and that is " included in bankruptcy '' and they do not know why is equifax reporting something different, note that transunion and experian are reporting the item correctly as " included in bankruptcy. i asked equifax to provide the document from XXXX XXXX showing late current payments so i can provide tham to XXXX XXXX but they would not provided it. 
i am in the process of purchasing a home and score from equifax went down XXXX points in XX/XX/XXXX after they made the change to my credit file.
Consumer complaint received 2016-10-12
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Bankers Auto Acceptance (CA)

I filed a dispute with this finance company and they failed to notify the credit bureaus within the timeframe allowed according to the FCRA 623 ( a ) ( 3 ) which I also provided them with proof. They simply refuse to acknowledge the fact that they have clearly violated federal law.
Consumer complaint received 2020-08-26
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a loan with XXXX XXXX, XXXX XXXX, and CAPITAL ONE. I have always made my payments on time. As you can see,  I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, and CAPITAL ONE with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2021-09-14
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. (FL)

on XX/XX/XXXX XXXX a charge-off account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX XXXX FOR THE AMOUNT OF {$5.00} ,XXXX  to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : SXXXX XXXX XXXX XXXX I opened XX/XX/XXXX XXXX FOR {$5800.00}, XXXX XXXX XXXX opened XX/XX/XXXX XXXX for {$0.00}, XXXX  opened XX/XX/XXXX XXXX FOR {$0.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 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 reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Consumer complaint received 2018-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have 3 accounts on my credit report inwhich are not mines, nor do I know who added me to them. I'm asking that this accounts be removed. 

1 ) XXXX XXXX XXXX 2 ) XXXX 3 ) XXXX XXXX
Consumer complaint received 2018-07-05
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. (MO)

There's 3 accounts on my report inwhich are not mines, nor do I know who added me to them. Please remove these accounts. 1 ) XXXX XXXX XXXX, ( 2 ) XXXX, ( 3 ) XXXX XXXX
Consumer complaint received 2020-10-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc. (CA)

Hello, This debt has been paid. The 3 Collection accounts from USCB, still show on my report and I still have not received a receipt for paying this debt off. I will be attaching my credit card transactions as proof. Remove the 3 medical collection accounts from my experian credit report I also will need a physical receipt for payment.
Consumer complaint received 2018-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Ameritech Financial (FL)

I entered a Service Agreement with Ameritech Financial on XX/XX/XXXX under the pretense that I would be enrolled in the Public Service Loan Forgiveness Program and my student loan debt would be forgiven after 120 qualifying payments. They explained to me that {$200.00} would be debited from my bank account on XX/XX/XXXX as well as {$200.00} for the next 9 months to pay for the Program with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. After those 9 months, I would be debited {$99.00} for the remainder of the program. 

I took out a loan under my name and a second one under my father 's name to cover tuition cost at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon graduation, I began paying back both mine and my father 's loans so it grew very expensive for me. I received a notice in the mail claiming Ameritech could help reduce my loans, so I called and we are now here. 

I regularly check my account and my father 's account on XXXX website and the principal amounts have never been reduced after starting our plan with Ameritech. I even began paying interest on my father 's loan in XXXX as we are enrolled in the income-based/contigent repayment plans. I am very concerned about this current lawsuit against Ameritech and it how affects me because I was counting on making those 120 qualifying payments for my student loans to be forgiven. I can't believe I've been paying {$99.00} towards my account and {$99.00} towards my father 's account monthly since XX/XX/XXXX and it has all been for nothing. I am not sure now if I even made any qualifying payments and I can not afford to start this process all over again. I would really appreciate any help or guidance you could provide me. 
Thank you!
Consumer complaint received 2018-07-05
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. (MO)

I have a mountain full of unauthorized inquiries reporting on my credit file. Months ago I lost my Id therefore I'm assuming this is the results, please remove, delete, and / or block the following inquiries from my report. 

1 ) XXXX  ( XX/XX/XXXX ) 2 ) XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 )  XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 10 ) XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXX XXXX  (XX/XX/XXXX ) 12 ) XXXX XXXX (XX/XX/XXXX ) 13 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 14 ) XXXX XXXX ( XX/XX/XXXX ) 15 ) XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2018-07-05
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. (MO)

I have a mountain full of unauthorized inquiries reporting on my credit file. Months ago I lost my Id therefore I'm assuming this is the results, please remove, delete, and / or block the following inquiries from my report. 

1 ) XXXX (XX/XX/XXXX ) 2 ) XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX  ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 10 ) XXXX  ( XX/XX/XXXX ) 11 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX ) 13 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 14 ) XXXX XXXX ( XX/XX/XXXX ) 15 ) XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2019-05-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Harley Davidson Financial Services Inc (GA)

I called Harley Davidson Credit on XX/XX/2019 to inquire why my XX/XX/XXXX payment had not been processed yet. The person I spoke with could not even tell me if they had received it yet. Receiving no help in this area, I then asked about a late charge of {$66.00} on a payment of {$1000.00} credited on XX/XX/2019 for a {$540.00} payment due on XX/XX/2019 which included a {$46.00} late fee. She said she could not credit the charge back to the account because in the past payments had been made late. I told her it was unfair to charge a late fee on a payment that was not late. Also this payment brought all principal, interest and fees current before XX/XX/2019. Also billing statements do not describe how and when late fees are assessed or how much is owed on the account. I would appreciate any help you can give me in recovering my {$66.00}.
Consumer complaint received 2022-09-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Plastiq Inc. (AZ)

On XX/XX/2022, I submitted a payment to a vendor utilizing Plastiq platform. The company charged my XXXX XXXX on XX/XX/XXXX and immediately afterward canceled the transaction stating " Plastiq can not support this payment category. '' I believe the company would have known the payment category was prohibited before Plastiq charged my XXXX XXXX. 

I have sent 6 emails requesting additional detail and the company refused to reply back. It has now been 10 days since Plastiq claimed to have refunded my credit card. 

Transaction amount {$7700.00}
Consumer complaint received 2023-01-19
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. (MD)

My credit score is incorrect; and I am unable to get Equifax to correct it. It is currently reporting at least XXXX points LOWER than other credit reporting agencies and ALL are displaying the same information. I believe that my score is purposely being suppressed.
Consumer complaint received 2020-07-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: The Law Offices of Kenosian & Miele, LLP (CA)

I've attempted to settle a debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, CA XXXX XXXX over the last several months. I've made reasonable settlement offers on a debt that was originally $ XXXX and is now increased to over $ XXXX. 

I've been speaking with their 3rd party collection agents at ( XXXX ) XXXX Kenosian & Miele XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX CA XXXX. On XX/XX/XXXX and XX/XX/XXXX I spoke with collection agent XXXX XXXX who threatened immediate foreclosure on the property for non payment. 

Under 15 usc 1692e this is a clear violation of the FDCPA ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure,  garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 

I have recordings I can provide and I would like management at both XXXX and Kenosian to review their recordings for this violation.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please remove these inaccuracies on my report it has been months and I have not been notified by neither of the bureaus investigation results into this matter this is extremely frustrating and not fair to me please investigate and remove these inaccuracies
Consumer complaint received 2020-08-23
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: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I noticed items on my credit report that didnt belong to me. I sent in a dispute letter to have the negative items investigated and removed from my report on XX/XX/XXXX. On XX/XX/XXXX I sent in a 30 day demand to comply letter and its now XX/XX/XXXX and ive yet to receive any investigation results.
Consumer complaint received 2020-01-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$30.00} XXXX XXXX XXXX XXXX XXXX Balance : {$200000.00}
Consumer complaint received 2020-05-05
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

They closed my account for fraud activity, when I called to let them know that I had not made those charges, now they are saying that I owe them a balance on the closed account if {$730.00}. The whole reason why they closed my account was because of the fraudulent activity so why would I pay the balance due because of it. It does not belong to me, they removed it from my credit report and then brought it back after a few months.