davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
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. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-19
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (MO)

On XX/XX/XXXX I was denied credit from this finance company called ally financial I tried to finance it through XXXX of XXXX I would like to impose that adverse action has occured after the denial of credit also they're in violation of 15 USC 1681b & 12 CFR 1002.7 as a creditor shall not refuse to grant an individual account to a credit worthy applicant on any other prohibited basis which means even if I have a low credit score no matter the circumstance I shall not be denied credit they're also in violation of 12 CFR part 1002 Equal credit opportunity act ( regulation b )
Consumer complaint received 2020-08-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (CT)

I paid off my car lease two months early and in full on XX/XX/XXXX. When I paid off my lease, I told them to cancel the auto-payment, and they confirmed they would stop. They then went and took out three additional auto-payments despite me paying off the car lease in full. I called them after they took out the second payment on or about XXXX XXXX, and requested a refund and again, told them to stop taking auto-payments out. They told me they would not be able to process a refund until they receive my check for excise taxes, mileage over, etc. On XX/XX/XXXX, they went and took out another auto-payment despite the fact I have already paid off my lease and have requested them to stop my auto-payment. That check was in the mail, so I called them once they cashed the check on XX/XX/XXXX. They told me they can not refund my money until they sell the car. 

They are taking advantage of a consumer and are not participating in fair consumer practices.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (PA)

Several accounts were opened in my name, it could have aversely affected my credit.additional investigations have revealed more unsavory practices at Wells Fargo. 
The fees that I have been charged for overdraft fraud have been ridiculous. 
I insist everyone of my accounts be looked into with a fine tooth comb and I want my money back. XXXX XXXX XXXX.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Someone has illegally obtained my personal information and has been trying to gain access to credit, I now have several accounts and inquiries that were fraudulent done without my consent and now reporting to my credit report on all 3 major reporting credit bureaus these inquiries have significantly dropped my score and negatively affecting my putting me in a financial hardship they need to be deleted as they were not authorized and illegal without my consent
Consumer complaint received 2017-05-17
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. (NC)

Hello, I opene d a CITI AAdvantage MasterCard  on  XXXX / XXXX /  XXXX  .     I setup access to the online account and established autopay on the day my card arriv ed ( a pprox.  XXXX / XXXX /  XXXX   ) for the first payment that was due on  XXXX / XXXX /  XXXX  . When I went in to check my card on  XXXX / XXXX /  XXXX  , the payment still had not posted. Unknown to me, the first payment had to be made manually to activate the autopay account. This was not stated anywhere when I set up auto pay. I went ahead and made the minimum payment on  XXXX / XXXX /  XXXX   for {$51.00}. I tried to make an additional payment of a larger amount but the  CITI  site would not let me as long as there was a payment pending. I had to wait until  XXXX / XXXX /  XXXX   to make a {$1500.00} payment to the account. The result was that my first payment was deemed late by  1 week . Although this is not reported to the credit bureaus, it is reported internally and when I ca lled CITI and  spoke with  XXXX  on  XXXX / XXXX /  XXXX  , she stated there would  be a note added to my account but going forward to pay my bill on time!! Imagine my outrage. I had set up auto pay so I would not be late and am never late with several credit accounts I hav e . CITI went a nd charged my account a late fee of {$25.00} on  XXXX / XXXX /  XXXX   as well. This is unacceptable. Now, internally, I will always be flagged as having a late payment and more than likely my account 's credit limit will not increase either. I would cancel the account but in doing so will hurt my actual  credit score even  more so I will only use it for travel and when I can get miles from it for which it was intended.
Consumer complaint received 2022-08-02
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: LEXISNEXIS (GA)

I have experienced incorrect information about a bankruptcy that was submitted by someone other than myself, XXXX XXXX XXXX in my name and this information appears on my credit report I have asked all three credit bureaus to remove investigate and I never receive any response nor support. I would like for them to remove this is a deliberate action to stall and stifle my credit rights from with Section 1681 ( a ) ( 5 ) of the FCRA. The companies are XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX LexisNexis Risk Solutions XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2017-11-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (CA)

U.S. Bank Branch XXXX XXXX XXXX XXXX 0.7 mi XXXX XXXX XXXX XXXX XXXX ) XXXX Opens at XXXX XXXX Auto loan we never received a written or e-statement from the bank. We have asked this two or three times We have filed complaints with California Consumer Affairs with the California Attorney Generals Office.

Payments have not been recorded, and we have to drive in person to pay the account without an account number. Why?
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2020 XXXX
Consumer complaint received 2023-01-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (PA)

I have received a letter in the mail on XX/XX/2023 and the document says it was sent XX/XX/2023. 

The letter claims I owe the amount of XXXX of medical debt from XXXX years ago. The company is attempting to collect the debt for XXXX XXXX XXXX XXXX in XXXX XXXX. The debt collector is Capio Partners LLC I believe I do not owe this debt as I always pay my bills on time and correctly. This notice does not say I can dispute the debt or anything about how to discuss correcting other than paying online or over the phone. 

I tried calling them on the number listed and it is just a robot answering service. The call dropped halfway through and then again when I called again. It was an automated answering service.
Consumer complaint received 2023-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

My complaint is how my PSLF has been handled throughout the XXXX to MOHELA transfer. I have submitted my PSLF forms to XXXX on XX/XX/XXXX. My payments stayed at 100/120 for the entire time even though I have uncounted employment eligibility from XXXX which should count towards my 120 payments. MOHELA is showing the same amount of payments. I called MOHELA and they state they are behind, but I have waited for them to count the XXXX payments since XX/XX/XXXX. Every time I call, they say that it's been escalated and that I should be well over the 120 payments. Please help!
Consumer complaint received 2020-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLIANT CREDIT UNION (NV)

I have a loan with Alliant Credit Union. 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 both XXXX  and Alliant Credit Union with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (NC)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-02
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. (NC)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WY)

I had my mortgage through Wells Fargo just wanting to know if I qualify for the law suit I haven't been informed by them about this law suit They had my loan from XXXX to XXXX with loan modifications I sold the house in XXXX of XXXX XXXX
Consumer complaint received 2018-11-06
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Sessoms & Rogers, P.A. (NC)

I received received a summons from a collection agency regarding a very old auto debt from XX/XX/2004. I believe that this collection agency is unfounded in filing the summons, as the statute of limitations for collections in the state of NC is three years, and this debt is now fourteen years old.
Consumer complaint received 2020-08-06
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)

After consulting with my attorney XXXX XXXX of XXXX XXXX XXXX XXXX, I was advised to complain through this medium. I am a victim of identity theft. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) the credit bureaus are required to provide proof of account ownership. These accounts were opened by a family member who stole my identity. I had PERFECT credit up until when these accounts were illegally opened. 

Account Name Balance Owed Date Opened 1. XXXX/XXXX  {$490.00} XX/XX/XXXX 2.  XXXX XXXX {$1000.00} XX/XX/XXXX 3. XXXX XXXX XXXX  {$0.00} XX/XX/XXXX 4.  XXXX XXXX XXXX {$790.00} XX/XX/XXXX 5. XXXX XXXX {$1100.00} XX/XX/XXXX 6. XXXX XXXX {$570.00} XX/XX/XXXX XXXX. XXXX XXXX   {$0.00} XX/XX/XXXX 8. XXXX XXXX {$20000.00} XX/XX/XXXX
Consumer complaint received 2018-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (VA)

On XX/XX/XXXX I applied for and was approved for the Citi AAdvantage product. I applied based on email offer I received for XXXX bonus miles. On XX/XX/XXXX ( just 2 days later ) I received another personalized offer in my email for the same card but it was for XXXX bonus miles. I waited until i received my card and then called customer service on XX/XX/XXXX and asked to be enrolled in the XXXX bonus miles offer. The offer was valid thru XX/XX/11 and I had only missed it by 2 days so I was certain they would do the right thing and enroll me in the XXXX offer. But they did not. They said the offer i had accepted was what I was stuck with. So, i asked if i can close my account and apply for the new offer. They said I would be ineligible to apply for that card for the next 24 months. 

So, they think i'm valuable enough to offer me XXXX bonus miles, but once they found found out i had been suckered in for XXXX miles already, they don't want to honor the new offer. That is abusive. 
And why send me an offer i can't use? They APPROVED me on XX/XX/XXXX, in real time. They were in a rush to do that. But they are still sending me new solicitations 2 days later .... that i apparently can not use, because I was dumb enough to apply already. That seems unfair. 

I'm asking them to honor an offer they sent to me, personally. Not something i saw on a website, and ii 'm certainly not asking for goodwill. Just honor your offer. 
This is my first product with Citi ( and obviously my last ). What a stupid way to start a customer relationship.
Consumer complaint received 2023-01-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sunbit, Inc. (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-08-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY (TX)

When having the XXXX account, the company switch there payment services to wells fargo, I was unable to have access to my account, because I was not given the log in, instructions when they were merged, and during this time I was having late payments being reported to my account, and when I was attempting to contact XXXX, there was not communication back. I would like these late payments removed because it lack of communication when being informed Wells Fargo was taking over, and I was unable to make the payments because of it. The months are listed below XXXX XX/XX/2016 XX/XX/2016 XX/XX/2016 XX/XX/2016 XXXX
Consumer complaint received 2022-08-02
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account number ( s ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (PA)

* Charged for services that were not being used by XXXX XXXX XXXX Attempted to contact XXXX to cancel an account which ( " They could not find '' ) in Early XXXX, XXXX XXXX claims they cant find the account The account was no longer in use after XX/XX/XXXX A payment was made on the XX/XX/XXXX that paid up-to-date the account prior to starting XXXX XXXX service The Account was closed in XX/XX/XXXX XXXX refuse to recognize service members XXXX XXXX service to credit account ( ADOS starts XX/XX/XXXX and ends on XX/XX/XXXX ) XXXX Failed to properly handle the account, refused to recognize previous attempts to close the account and sent for collection an amount of roughly {$280.00}, to include late fees, continued billing through XX/XX/XXXX XXXX
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (CA)

The below company is incorrectly reporting on my credit report and they refuse to remove their erroneous collections account from my XXXX   Credit Report. I have contacted them, XXXX, etc and they simply refuse to remove the {$600.00} collection which is not mine. This is not right. 


Capital Accounts : Telephone XXXX Fax XXXX XXXX XXXX. XXXX XXXX XXXX, TN XXXX Email XXXX XXXX
Consumer complaint received 2022-08-02
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: CAPITAL ONE FINANCIAL CORPORATION (HI)

The Fair and Accurate Credit Transactions Act Section 1681g ( e ), which requires that if a business has provided credit to or entered into a commercial transaction with a person who has allegedly committed identity theft, then the business must provide a copy of certain records upon request to ( a ) the victim of the alleged identity theft or ( b ) any law enforcement agency or office authorized by the victim to receive the records. 

I requested over XXXX times for Capital One to provide records for accounts ending in XXXX and XXXX under Section 1681g ( e ), and they have willfully failed to do so. Therefore, I am authorizing this Office to receive the records, and provide the records to me. I have conveyed to Capital One that I suspect to be a victim of identity theft and that they are allowing the reporting of inaccuracies on my credit file through a third party junk debt buyer collector XXXX XXXX XXXX XXXX XXXX Capital One misrepresented the truth by stating that they removed the debt from my credit file. However, credit reporting agencies have recently verified the debt.