davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2020, I noticed a series of fraudulent and abnormal charges on my debit card for what appears to be cryptocurrency exchanges that I did not authorize. Some of these charges were blocked and two separate charges were cleared and, since this is my debit card, the funds immediately withdraw from my checking account. The two charges are {$3000.00} and {$1000.00}.

Upon noticing, I immediately contacted Bank of America 's fraud team to report the fraudulent activity, review my account and filed a claim. I shut down the card and they are issuing me a new one. It is a very stressful and taxing process to try to get ahold of anyone at Bank of America over the phone. After waiting for more than 20 minutes to speak to someone, the rep basically told me that had I been monitoring my online banking daily, I could have called and notified them before these transactions were able to be processed which, while I will certainly do going forward, is unacceptable.

The rep I spoke with at Bank of America said that the transactions received approval via text automation which I did not do. I have no idea how someone could have stolen my identity in order to do this so I have also contacted my wireless carrier, put a freeze with the credit bureaus, and am in the process of filing a police report. I am doing a lot of research on resources to effectively handle this and am shocked at the level of technological sophistication scammers operate today. 

I am a recent college graduate with significant student debt, rent expense, am saving for graduate school and am also assisting to support my family financially. With COVID, my income has been severely impacted and as a result of this, I can not pay my next month 's rent or even cover basic living expenses.
Consumer complaint received 2016-08-09
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am contacted daily, sometimes twice in a single day, for a debt that is now 7 years old! They had started off calling my home phone, but now call my cell phone using multiple different phone numbers so I ca n't block them. I have told them numerous times that they need to stop calling, especially since the statute of limitations for collecting is past, but they ignore me! There are also many times that I answer, and it 's automated telling me to call them back. Please help!
Consumer complaint received 2020-10-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (MD)

Through numerous phone calls to GM Financial, I am unable to get a copy of the contract or anything in writing from them. 
My car was totaled and my last 10 payments add up to XXXX. I owe from XX/XX/XXXX to XX/XX/XXXX. 
Upon attempting to pay off the car GM is trying to get {$4400.00} from my insurance company. With no explanation other than it's interest.

GM also refuses to account for over 2 years of payments in which every month I paid {$350.00} instead of {$340.00}.

Usually when you pay a car off early it's cheaper, not more expensive. Can someone please help me as GM is obviously trying to take advantage of it's consumers and refuses to communicate via email. GM will only communicate via phone and I get a different answer every time I speak with someone at GM. This time I am trying to deal with the " total loss department ''. 
Respectfully, XXXX XXXX
Consumer complaint received 2015-05-13
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC. (MA)

This company named general revenue service contacted both my mother and husband in regards to a alleged debt that is owed. They would not tell either of them what the call was in regards to and what their company did. I myself contacted them after to find out why they were calling and they could not give me an answer. I spoke to a representative who proceeded to yell at me when I told him not to contact any third party other than myself or my attorney. I then proceeded to ask what the call was in regards to and he could not tell me.
Consumer complaint received 2016-09-04
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery continues to call my cell phone several times a day from different long distance phone numbers each day including Sundays. I explain that I 'm not able to make any arrangements at this time and they continue to push me about payments until I get upset and have to hang up the phone on them.
Consumer complaint received 2024-02-13
Product: Credit reporting 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. (MD)

The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 

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 2020-10-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Southern Auto Finance Co (FL)

In XX/XX/2018 I was in a car accident and the vehicle was pronounced total loss. I had GAP insurance which paid off the remaining balance owed but could not pay off 2 deferred payments or 3 my monthly payment was {$290.00} which should of equal to {$600.00} or {$900.00}. My accident was a no fault and I was driving with my family including my XXXX son which he was XXXX old at that time. So long story short I looked at my credit report and noticed that the amount changed significantly to over XXXX. I was financially destroyed and overwhelmed that I had to get a vehicle so that I was able to continue to work so that I can keep providing food and shelter for my son! I reached out to company work out a settlement but it didnt take out as they demanded the full debt. Im questioning why the balance is so high??
Consumer complaint received 2022-07-19
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. (TX)

I went to the car dealership to purchase a car and I was told they would only run my credit for XXXX. However, I did not give written authorization to any of these hard inquires below, someone must have ran my credit multiple times without my permission or written consent therefore I need these removed/deleted from my credit. I tried running disputes and sending letters and they wont remove them. They didn't provide any proof showing I gave written consent nor did the credit bureaus provide evidence of their investigation that asked for. 

Please remove/delete these Credit inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-09
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. (MI)

In XX/XX/XXXX, I was approved by XXXX XXXX for a credit card with a credit limit of XXXX dollars.On XX/XX/XXXX, the Coronavirus pandemic hits Michigan where I live.On XX/XX/XXXX XXXX closed my account first and sent me a letter citing " Inactivity '' .When I received the letter from XXXX, I called them immediately.When I called XXXX customer service to reconsider, They stated to me that the account was closed due to inactivity and I can reapply for a new account but can not reopen the closed account..After my conversation with XXXX card, I immediately filed a complaint with XXXX citing closing my account due to Coronavirus Pandemic.I have read many articles and news reports stating '' Millions of credit card users are seeing their credit cards closed or limits lowered during pandemic '' .I did have a XXXX dollar credit limit and paid my monthly payments on time.I had great credit with XXXX.On XX/XX/XXXX, I paid my account off in the amount of XXXX.On XX/XX/XXXX, I made another interest charge payment in the amount of XXXX paying the account off with no balance.XX/XX/XXXX was the last activity i had on this XXXX card account until XX/XX/XXXX closed account.XXXX responded to the CFPB complaint, XXXX stated in their response that they made there decision based on what was in my Transunion report.After reading there response and the letter i received from XXXX, XXXX is clearly lying why the closed my account.They closed my account because of the Coronavirus Pandemic and the current financial hardships people are having.I have been working this whole time because my job is currently deemed essential.I have looked up laws under the Credit Card Act of XXXX, Equal Credit Opportunity act, FCRA, Etc and there is no law for closing accounts.In the XXXX Credit Card Agreement, it does state that they can close anyones account at anytime for any reason.There is no XXXX Credit card agreement that states anything on a Pandemic or Financial crisis due to a Pandemic.Because they have closed my account, my FICO score has decreased and caused stress.I have been trying for years to have a good credit and score and closing my account due to current pandemic doesnt help me one bit.Therefore, XXXX lied and closed my account/card because of the pandemic and financial crisis and used Inactivity as a excuse to close my account.Therefore, XXXX cards CFPB response and letter dont add up.Therefore, My FICO score has dropped causing stress and lower credit scores that will affect my credit worthiness.
Consumer complaint received 2015-09-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (FL)

I been Disputing to Experian the following Inaccurate, Obsolete and Outdated Information on this accounts:1.XXXX # XXXX.XXXX # XXXX.XXXX # XXXXFor the pass year. Please investigate Under CFPB Rules and Under F.C.R.A ( 15 U.S.C Secretary 168i ) and Corret the Erroneous marks on my credit report.
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I recently reviewed my credit report and I noticed that there are various student loan account still appearing on my report and past the statute of limitations ( 7 Years ). I request that this information be removed from my credit reports ( XXXX, Equifax, and XXXX )
Consumer complaint received 2016-10-15
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Harpeth Financial Services, LLC (TN)

I currently have a " flex loan '' with advanced financial based in XXXX, TN, I am currently in the XXXX XXXX and have been for 7 years. I have called and emailed the company asking them to reduce my APR to 36 %. They have failed to do so. My loan was for XXXX and currently with all the fees they want me to pay back over XXXX they are trapping me in debt. How am I supposed to pay this back when they prey on me. This company needs to be investigated for fraud and abuse. Please Help
Consumer complaint received 2020-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was recently turned " Down '' for a car loan because of some unknown " $ XXXX DEBT '' that was NOT mine placed onto my " TransUnion '' credit report. 
I have been trying to get my " FREE '' annual " TransUnion '' credit report with no luck.
Consumer complaint received 2015-11-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (OR)

I routinely pay an extra {$62.00} on my mortgage that should go to principal. In XXXX, this amount was applied to erroneous fees that were subsequently reversed. Despite multiple attempts to get this amount correctly applied to principal instead of fees, this has not happened yet. The last correspondence that I received said that the matter was being referred along but I 've yet to be contacted about it and my account still does not reflect my {$62.00} reduction in principle from my XXXX payment.
Consumer complaint received 2016-02-28
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FORD MOTOR CREDIT CO. (TX)

Ford Motor Finance established XX/XX/XXXX. In XX/XX/XXXX my account was first reported delinquent due to employment hardship. I worked on trying to catch up payments but as of XX/XX/XXXX the car was repossessed due to unemployment. The economy had been in a down slope. XX/XX/XXXX the repo was sold by Ford at an Auction and by XX/XX/XXXX Ford provided me a mailed copy of the Statement of Sale. XX/XX/XXXX Ford reported the remaining balance as a Charge off to the XXXX major Credit bureaus XXXX, XXXX and XXXX. It was brought to my attention when pulling credit for housing and employment, that a Judgement had been filed against me by Ford. Ford never notified me that a judgment would be filed against me.
Consumer complaint received 2015-09-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I sent XXXX XXXX And Equifax multiple requests regarding removal of an old mark on my credit from XXXX XXXX XXXXAccordingly, I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way.
Consumer complaint received 2022-01-20
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. (CA)

This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.
Consumer complaint received 2016-09-11
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (PA)

While I 'm waiting for XXXX to be re-opened, another issue has arisen. I asked Synchrony Bank to allocate payments to XXXX charges on my account that expired in XX/XX/XXXX. They complied with my request, however, then they sent me 35 emails and a letter via postal service to confirm they had allocated the payments. Is it their standard company procedure to notify a customer that their request has been completed by sending 35 emails and a letter?
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$340.00}, XXXX XXXX XXXX XXXX Balance : {$2300.00}, XXXX XXXX XXXX XXXX Balance : {$41000.00}, XXXX XXXX XXXX XXXX Balance : {$4600.00}, XXXX XXXX XXXX XXXX Balance : -
Consumer complaint received 2020-10-16
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6600.00}, {$6800.00}, {$3.00}, {$4100.00}, {$8200.00}, {$210.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

2. XXXX XXXX  DELAWARE with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$210.00} -This is not my account.
Consumer complaint received 2022-01-21
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. (OH)

I have been in constant contact with Experian 's Fraud Department regarding US DEPT OF ED/XXXX account XXXX and US DEPT OF ED/XXXX account XXXX. I have provided all of the information that they have requested in a timely manner including but not limited to : Identity Theft Report FTC Report Drivers License Social Security Card Document Signed Notary Police Report I have also followed up via telephone multiple times. Each time I speak with a representative they advise the accounts are valid with no explanation or proof. I have been met with multiple stall tactics that include : Claims that I am a Third- Party : I have PROVEN through phone calls and documents sent that I am working alone to correct this issue. 
Information not received : I have again PROVEN through tracking confirmations that they have received my documents as requested. 
Verified through XXXXXXXX XXXX and not by a full investigation : According to the FCRA I am entitled to this, which has not happened.
Consumer complaint received 2015-06-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I requested for HARP two years back in XX/XX/2013 that time my home appraisal came for around $XXXX and i got HARP refinance. Almost 15 months back i requested for PMI removal but my bank Wells Fargo denied after doing and appraisal my my LTV was less than 80% which makes me eligible. Wells fargo bank wants me to pay them around $XXXX to get rid of $XXXX PMI. I contact XXXX who is backing my loan, they said Wells Fargo will do remove PMI as they are my servicer but Wells Fargo simply denied. Fannie Mae rep say according to my LTV i am eligible to remove PMI but Wells Fargo reps are very stubborn while they are only servicer. Please help me to remove my PMI.
Consumer complaint received 2023-04-05
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. (FL)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX
Consumer complaint received 2022-07-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/XXXX I was contacted by a woman named XXXX XXXX who claimed to be a job recruiter from a company called XXXX and she got my resume from indeed. I was interviewed on XXXX XXXX on XX/XX/XXXX and was hired on XX/XX/XXXX. I received {$4100.00} via check on XX/XX/XXXX in which {$400.00} was processed on that day and the remainder of it the next day. So the check cleared and the funds were available in my account. XXXX claimed the money was too pay for the work equipment I would receive for the job which she sent a list for. I was instructed to send {$1000.00} too a person and that was done via XXXX then she instructed me to send to another person whos names didnt match up. So after I notified my bank and it was a bad check and the scanner got XXXX. After weeks of contacting the FTC, Wellsfargo, XXXX and the fbis online fraud I have not gotten any help with retrieving my lost funds. My bank hasnt done anything besides contact the scammers bank and try to offer a refund too no avail. Now my account is in the negatives and I cant even close it out.
Consumer complaint received 2022-08-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXXXXXX XXXX  ACCOUNT # XXXX 30 days late in XX/XX/2022.