davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SECURITY FINANCE CORP (TX)

I was never provided with the interest rate of loan only a told amount to pay off after attempting to contact company I was told that it would be at 147 %. I was also not provided a statement or any forms to make repayment since that time company has reported late on my reports and has damaged my credit history.
Consumer complaint received 2021-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

on XX/XX/XXXX & XX/XX/XXXX I noticed 2 inquiries from XXXX XXXX XXXX XXXX XXXX. I keep track of my credit inquiries and lost my state ID in XXXX so I know this is identity theft. I have since locked my report and the reporting bank is telling me I can not have these items deleted! The 3 credit bureaus won't help and is bringing me to fight XXXX  XXXX XXXX
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have been contacting XXXX, XXXX  and experian regarding several accounts that are both fraudulent and some incorrect. They continue to disregard my information and LIE. saying the information is valid. They have caused me stress for many years and i need additional help to please fix these issues. Attached on this complaint is proof of receipt that i owe a XXXX  balance. Also proof of the employee who sent the receipt who still currently works for XXXX. And lastly a incident report because XXXX has forced me to contact the police to resolve this matter.
Consumer complaint received 2021-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

My former request for you to make sure you present me along with the info as to whom you chatted to like the addresses and names of the person or persons got into contact with has unfortunately not even been filled. At the moment I am looking for a lawsuit and also have started the whole process of calling legal " counsel ''. I'm seeking for one final time that you still generate me making use of the important information that has been recently asked for and in addition to that make sure furnish me with a copy of the agreement settled or voice chat where I signed up charging me from this account.
Consumer complaint received 2021-07-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OneMain Finance Corporation (IA)

My wages started getting garnished without any notice whatsoever. No voicemails, no letters in the mail, nothing. Then out of nowhere they started taking XXXX  of dollars out of my account every week. I never looked at my paystubs because they come in the mail, I just look at my bank app to see what was deposited. I took my short check issue to my supervisor because I thought they had messed up the payroll. When i opened my pay stub for the first time I had already paid almost XXXX dollars in a matter of weeks. I called them to try and work out a payment plan and they told me its already too late. Told them if this goes on for 3 months ill lose my house because I can not afford XXXX a month. " Still nothing we can do sorry '' only documentation I have of this garnishment is from my employer XX/XX/21 I didn't get the letter until the beginning of XXXX.
Consumer complaint received 2024-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MD)

I'm a XXXX XXXX on a fixed income! I reported out of state charges on my debit card, that I did not authorize! On XXXX, at XXXX XXXX  a charge of {$68.00} was put on my debit card from XXXX XXXX, XXXX! My debit card & pin # never left my possession! On the same day XXXX, I withdrew money from an ATM, at XXXX XXXX  in XXXX, XXXX! On XXXX, I reported a charge of {$58.00} from XXXX, XXXX at XXXX XXXX! My debit card & pin # never left my possession! On the same dayXXXX, I made a purchase in XXXX XXXX XXXX, at XXXX XXXX! On XXXX, an out of state charge of {$78.00} was put on my debit card! My debit card never left my possession! This charge was also in XXXX, XXXX! On XXXX, a charge of {$14.00} for a taxi in XXXX XXXX! My debit card & pin # never left my possession!
Consumer complaint received 2019-08-10
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 — Problem with personal statement of dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I submitted disputes to XXXX, XXXX, XXXX XXXX XXXX XXXX, and Portfolio Recovery Associates asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from XXXX, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXX XXXX account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran who suffers from XXXX and this is causing me even more undue stress and anxiety because the agencies and companies are failing to follow the rules that are set forth by CFPB. I need help.
Consumer complaint received 2019-11-03
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. (MS)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TX)

On XX/XX/2024, I contacted XXXX regarding several items reported negatively on my consumer report. I advised them that they were in non compliance per 15 USC 6801-protection and non public personal information to report my transaction information. I did not consent for my transactions to be reported. These are the companies that I am filing a dispute on : XXXX, CITI/CBNA, XXXX XXXX XXXX
Consumer complaint received 2021-02-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I purchased a car in XX/XX/XXXX and made the 60 payments of {$500.00} so I paid over {$30000.00} for my car. My last payment was XX/XX/XXXX and they ( Capital One Auto Finance ) closed the online payment and said my auto loan was complete. Then they came after me for {$1100.00} and now {$1600.00}. I didn't know what they were referring to since I paid off my loan. Now they sent someone to reposes my car after I paid over $ XXXX. I called them to get them to stop and they refused. I wanted to know why I was being charge " fee 's '' and they said it was late charges. I told them I was not late that many times unless the fee 's were {$500.00} for being late. I tried to make payment arrangements I could afford and they refused to negotiate. I said they can't steal my car I paid for it. They said they have the title and could do what they want it is their car now. This is unethical and stealing they should not be able to get away with this
Consumer complaint received 2017-12-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (PA)

We have been unsuccessful in getting accurate information from the loan servicer/mortgage company on the cancellation of MIP/PMI. From what I read there is an annual requirement that they inform us of our rights and a phone number for information. We have never been given that, but in fact have been given false information.
Consumer complaint received 2022-04-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (GA)

XX/XX/2022 Wellsfargo issued mail stating their reseach had been completed on my case ( # XXXX ) for unauthorized transfers of {$5700.00} and {$5700.00} on XX/XX/2022 stating " we're pleased to let you know the wire transfer was canceled, and there was no impact on your account, please consider inquiry closed. I was also issued a new debit card. Wellfargo issued another piece of mail stating me account statement which is is $ XXXX, with no funds returned. I called a agent and was told they I will not get my {$5500.00} because the account has no funds.
Consumer complaint received 2019-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (FL)

XX/XX/XXXXaccount was closed due to lack of services from XXXX XXXX. I had no reception even when it was not raining. They were never able to correct the problem. I closed the account but they charged me for closing the account. My monthly payments were always paid even though I never had acceptable TV service. I am disputing this closing fee since I had to get service from another company because XXXX could not provide it.
Consumer complaint received 2021-12-02
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. (NY)

This is already my 2nd attempt to fix this issue with your company. I already informed you that my Identity got stolen I am a victim of Identity theft and I have no knowledge of whoever that could be. I am submitting my ID, FTC report and Identity theft affidavit to prove my Identity.
Consumer complaint received 2021-02-05
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: Santander Consumer USA Holdings Inc. (LA)

I have an auto loan with Santander back in XX/XX/XXXX, the vehicle was repossessed. In my credit report show, multiple entries cuz the account was sold to XXXX. I am eligible for restitution in the Santander class action. Send letters to the credit bureau and Santander and XXXX but didn't get any response from them. Negative reports are hurting me. Please help me follow up on them, and please have them remove the negative reports abt the auto loan. Thank you.
Consumer complaint received 2021-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Ars Account Resolution, Original Creditor XXXX  XXXX XXXX XXXX XXXX XXXX. 
reported as derogatory on XXXX  and transition, account # XXXX, with a wrongly reported balance of {$1200.00}. multiple disputes and attempts both to creditors and credit bureaus, all have failed to provide proof need it by law and still will not delete the wrong not proved derogatory report
Consumer complaint received 2024-03-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (IN)

The vehicle time and chain went out, which costs XXXX to fix which was more than the vehicle was worth l, I took it to a shop and because I didnt have the money to fix the repairs or the money to move the vehicle from the lot, the lot repossessed it and the car company allowed them to do so and now they are trying to make me responsible for the bill, then its still in my name somehow while its sold to someone else and that person had an accident in the vehicle and theyre trying to charge me for damages and this is stopping me from getting financing through a different company
Consumer complaint received 2017-12-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

I paid off the balance on my XXXX store card on XXXX/XXXX/XXXX in the amount of {$40.00}. That day, there was a {$1.00} charge to my account labeled minimum charge. There has been a {$1.00} charge to my account every month since then, along with a corresponding late fee between {$1.00} and {$25.00}. No one at the credit card company can explain to me why these fees are showing up on my account. I have called 4 times now and a supervisor tells me they will reverse the charges. As soon as the charges are reversed, another one shows up. Every time, they tell me to wait 48 hours for my account to be cleared. It gets cleared and then charges start showing up again.
Consumer complaint received 2019-11-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (WV)

I received a notification on my XXXX account that I had a debt owed to Common Wealth Financial for XXXX dollars. This debt is showing an alert date of XX/XX/XXXX. I do not go to Pennsylvania and have no clue why I would have any debt coming from there.
Consumer complaint received 2021-05-05
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: WELLS FARGO & COMPANY (TX)

My records associated with the account WELLS FARGO do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment to WELLS FARGO but I did not receive what I asked and these violations persist on my credit report.
Consumer complaint received 2017-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (TX)

My credit monitoring service alerted me to an account that was just added to my credit file. My XXXX  monitoring service told me that Navy Federal Credit Union added a credit card account to my credit profile. I do not have any accounts with Navy Federal Credit Union, nor have I ever. A new address was added to my credit profile XXXX XXXX XXXX XXXX, Texas XXXX I have never lived at this address, nor have I ever. I do not know anyone who lives at this address. I called the management office of this apartment complex to inform them that my credit profile reflects this address but that I did not authorize that and confirmed that nobody with my name has a lease there or has ever had a lease there. 

I am a victim of identity theft. Since the last round of identity theft I have filed a police report with the XXXX Police Department. The report number is : XXXX Please make a note that I will never open any accounts with Navy Federal Credit Union - and if I ever were to do business with them I would do it in person. Anything opened online and or over the phone or by mail or by other means not personally physically inside of an office is NOT me. Please block my social security number from your system! 

I have attached a copy of my photo ID and my social security card. 

Please communicate with me in writing only.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/year> I contacted XXXX regarding several items reported negatively on my consumer report. I advised them that they were in non compliance per 15 USC 6801-protection and non public personal information to report my transaction information. I did not consent for my transactions to be reported. These are the companies that I am filing a dispute on : XXXX, CAPITAL ONE, XXXX
Consumer complaint received 2021-02-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BMO Bank, N.A. (WI)

Several years ago, all of my money disappeared from my bank account. I received no warning, and I was getting negative account balance fees piling on each other day after day ... My parents stole my money from me, {$20000.00} worth, in a custodial bank account. That by itself is a bit of grey area in the law. However, when I turned XXXX, I walked up to the bank teller, showed her my ID and she refused to open a bank account for me and refused to cancel my direct deposit from my place of work. Now this is completely illegal ... ... Also, over the years I have been acquiring evidence and presenting this evidence to my local BMO Harris branches. They have refused to give me my money bank that I made while working in XXXX XXXX  at XXXX XXXX XXXX  XXXX ... Along with all of the evidence, I have recently acquired a voicemail from a BMO Harris employee confirming that a large wire transfer happened out of my bank account.
Consumer complaint received 2021-02-05
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 — Their investigation did not fix an error on your report
Company: National Credit Adjusters, LLC (CA)

I reviewed a copy of my credit report and found the following item to be an error. See the attached copy of my credit report. The error has been highlighted. Here as follows is the item in error : 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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
Remove following account from my XXXX  Credit Report Collection Agency : National Credit Adjusters Original Creditor : XXXX XXXX  Balance : {$250.00} Account Number : XXXX
Consumer complaint received 2022-03-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC (IN)

Pre Approved for an auto loan via XXXX XXXX for Carvana. Per XXXX XXXX my APR would be 8-9 %. However, Carvana advised my credit score was XXXX and financing would be a be slightly over 11 %. I reached out to them and said that seemed high for my score as well as shared XXXX XXXX rate that was given and was told there was nothing they could do.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: DISCOVER BANK (WI)

On Wednesday XX/XX/XXXX I received an email from Discover stating the following : XXXX, weve selected you as a valued Discover Cardmember with a responsible credit history. You have an opportunity to apply for a fixed-rate Discover personal loan to consolidate your higher-rate debt.1 Simply get started online before XX/XX/XXXX. 
I was hesitant to apply simply because I've been working strenuously to fix my credit score over the past few years. After a few days, I decided to go ahead and try it as I thought this would help me better manage my funds. I applied on Monday XX/XX/XXXX. I was told via the online application system this would not impact my credit score to just take a look, so I applied. I was told online that I was approved and simply needed to send proof of income to get the process started ( which didn't quite make sense since I already started the process [ so I thought ] ). After furnishing proof of income ( well above their qualifying limit listed ), I was forced to call an agent to " finish the process '' - which I did. That agent also said I was approved and all they had left to do was verify my income. After two days and a hard inquiry to my credit, I have now been denied for the debt consolidation loan they said I was approved for. I would not have even considered this if I wasn't already a Discover customer and if I was not told ( multiple times ) that I was approved. It was not " pre approved '', they said approved. This is the definition of predatory lending.
Consumer complaint received 2021-02-05
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: EQUIFAX, INC. (TX)

I am attaching an affidavit for identity theft in regards to XXXX XXXX XXXX  XXXX  and an account that was opened fraudulently in my name with them, allegedly. I did NOT open an account with this company and I have submitted an affidavit to this affect. I attach the affidavit to this complaint and demand the item be deleted from my credit report.