davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-19
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. (GA)

I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX  XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-07-30
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: EQUIFAX, INC. (NC)

Hello, my name is XXXX, I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent.
Consumer complaint received 2021-07-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK (MI)

My student loans were recently in an in-school forbearance that ended in XX/XX/2021. Around XX/XX/2021, I made several phone calls to Discover Student Loans regarding financial hardship affecting my ability to repay these student loans as my in-school forbearance was close to ending. At that time, a Discover representative told me that as an option to help, they could offer me an interest only payment plan for up to a year if I was still suffering financial hardships. 

Upon my loan forbearance expiring, I made several phone calls around XXXX 2021 to request an interest only payment option on my account and the representative refused to honor this. I am suffering a financial hardship at this time as I am working full time but only earning minimum wage. I can not afford these monthly payments at this time.
Consumer complaint received 2021-07-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

XXXX {$250.00} A lady was hosting a womens boot camp & after I paid I was shocked to find out there was no actual boot camp. I was SCAMMED & blocked. I hate this! 
I contacted my bank who said they can not do anything about XXXX.
Consumer complaint received 2021-07-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (GA)

Today, Friday XX/XX/XXXX, I received a letter from Wells Fargo Auto. The document states ( verbatim ) : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA. XXXX Subject : Duplicate credit error for account ending in XXXX Dear XXXX XXXX XXXX : We are writing o let you know that, due to a processing error, the payment you made on XX/XX/XXXX, was credited twice to Auto loan account. We deducted only one payment from your bank account and reversed the duplicate credit on your Auto loan account. We apologize for any inconvenience.

What you need to know - Depending on the timing of your monthly Auto loan state, you may see two payment credits reflected on your next statement. Because of this, your statement may not correctly reflect your next payment due date.

- To verify payment information, including your next payment due date, sign on to your account at wellsfargo.com or call us at the number below. 

We're here to help If you have questions, please call us at XXXX, Monday - Thursday, XXXX XXXX to XXXX XXXX, Friday, XXXX XXXX XXXX XXXX., and Saturday, XXXXXXXX XXXX. to XXXXXXXX XXXX. Central Time. For customers with hearing or speech disabilities, we accept telecommunication relay service calls. 

Thank you. We appreciate your business. 

Wells Fargo Auto XXXX ( XX/XX/XXXX ) Wells Fargo Auto is a division of Wells Fargo Bank, N.A. All rights reserved. 


It is convenient and an interesting development when I am only four Auto Loan Payments away from paying off my Wells Fargo Auto Loan. What Wells Fargo is doing is deceptive business practices, I have all statements and receipts for my monthly Auto Loan Payments. Wells Fargo is incorrect, and all payments I have made towards my auto loan need to be honored ; in short, four payments remain. I am happy to file litigation against Wells Fargo with the help of my attorney. 

I look forward to hearing from both CFPB 's Offices and Wells Fargo, in writing via email or traditional mailing methods. 


Very Respectfully, XXXX XXXX XXXX, XXXX. 
XXXX XXXX, Retired ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2021-07-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (PA)

THE BUREAUS INC failed to validate a debt at my request, which is a FDCPA violation, and continued to report a disputed debt to the Credit Bureaus : another FCRA violation! Not only have they ignored my prior requests for validation of debt, but they continue to report this debt to the credit bureaus causing damage to my character.
Consumer complaint received 2021-07-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: PNC Bank N.A. (NJ)

Hello, I was selling furniture on XXXX XXXX  and someone reached out to purchase the items. They stated that their company was financing their expenses so they sent me a digital check from XXXX XXXX XXXX. I deposited the check and it cleared the following day at PNC. My furniture was posted for {$400.00}, but they wrote me a check for {$1900.00} as they wanted me to send the " movers '' the difference. Once the check cleared on XX/XX/2021, I was instructed to send {$1000.00} via XXXX to the " movers '' and {$550.00} via XXXX as the XXXX daily cap at PNC is {$1000.00}. The check was reversed the following day on XX/XX/2021 as it was fraudulent and the individual who claimed to be buying my furniture told me not to reach out as they will not respond. 

I went to PNC within 24 hours of the XXXX/XXXX  transactions to dispute the payments and filed a police report under the city of XXXX case ID XXXX. I just heard back that they denied my disputes so any tips you could provide would be a HUGE help! 

Prior to the check clearing I had {$400.00} in my checking account, so if the check wasn't completely cleared I shouldn't have been able to send the XXXX transaction at all.
Consumer complaint received 2020-04-24
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA DECIEVES CONSUMERS WITH LISTED CREDITS Adjustment Purchases ( NOT INCLUDED IN THE TOTAL CREDITS LINE UNDERNEATH ALL THOSE LISTED ) See attatched USAA statements XX/XX/XXXX XX/XX/XXXX. Under Transactions NONE OF THE ADJUSTMENT PURCHASES CREDITS LISTED ** MADE TO APPEAR INCLUDED ARE INCLUDED IN THE TOTAL AT BOTTOM OF ALL THOSE LISTED. ** Kindly Note the cute little minus sign ( - ) DECEPTIVELY MAKING TRUTH IN LENDING STATEMENTS APPEAR LISTED ARE TOTALLED. ** THEY ARE NOT ** Note XXXX OTHER CREDITS TOTAL {$2600.00} ** ONLY {$910.00} are on TOTAL LINE OF CREDITS?? MISSING CREDITS??? 
ALL USAA CREDITS ARE INTERNAL HIDDEN FROM CONSUMERS. XXXX PROFOUND DECEPTION IN TRUTH IN LENDING STATEMENTS. WHY ARE CREDITS LISTED ABOVE THE TOTAL CREDIT LINE ** NOT INCLUDED IN THE TOTAL??? TOTAL CREDITS THIS PERIOD IS TOTAL.
Consumer complaint received 2016-04-15
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY (CA)

I 've been an American Express customer for over ten years and have never had a late payment. I always keep everything on autopay. In 2013, I switched from a Blue Cash card to a Blue Sky Preferred card at the urging of a telephone representative. The sales rep told me that my autopay for my old card would be carried over to the new card and I would n't need to take any further action. This turned out to be untrue. While I was out of the country, the autopay did not carry over, and my first payment on my new card triggered a late payment, charging me a fee and affecting my credit report. I 've tried to get them to correct the error a couple of times, and they did credit back the late penalty. What they failed to do, though, was " re-age '' the account so the late payment would n't hurt my credit score. I 've now just tried once again to resolve the issue with them, and they 're still not being helpful. They already admitted the error years ago when they credited me the late fee. The fee was negligible, though, as was the amount of the late payment -- the real issue was the impact on my credit score. I 've never had a late payment in my life. When I spoke with them today, the woman I talked to impugned my integrity instead of acknowledging their obvious error ( which they had acknowledged in the past ). The woman I spoke with was named XXXX, badge number XXXX.
Consumer complaint received 2016-09-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (VA)

I received a call from American Express about XXXX XXXX 2016. The agent asked me if I had applied for a credit card. Turned out American Express on XXXX XXXX had issued a card in my name to an unknown ( to me ) individual in XXXX. The person had already expended {$2000.00}. I also checked my XXXX XXXX Account and noticed a credit card had been issued to someone other than myself. It had not yet been activated so was cancelled. Again, I had not been contacted regarding the address different than the one on record at the bank. 
Obviously my personal information has been stolen and I am taking necessary identity theft procedures. My main issue American Express and XXXX XXXX is the fact that they issued cards to an unknown in my name at a XXXX address when all my address and all my contact info is in XXXX without contacting me. The American Express person could not answer the question but told me the card would be cancelled and credit agencies would be alerted regarding my credit. I have filed police reports and complaint to FTC.
Consumer complaint received 2021-07-30
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)

XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX 15 U.S code 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX, never gave you any written consent to include any of this information to my consumer report. 

XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX As a consumer by law these inquiries on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state pursuant to 15 USC 1681n, also Ive already involved and sent this letter to the CFPB, attorneys general office and the better business bureau and Federal Trade commission. 

PLEASE MAIL ME AN UPDATED CREDIT REPORT SHOWING THE REMOVAL OF THESE INQUIRIES
Consumer complaint received 2021-07-30
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: Exeter Finance, LLC. (IL)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Exeter Finance Corp violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 1681e ( b ).
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist Bank has implemented a new online banking system following the merger with Suntrust and BB & T which is far less customer service driven and is very inefficient and cumbersome to use. I have attempted to resolove this issue with the online Chat feature through Truist on 2 occassions, both attempts with open chat for well over an hour with ZERO updates or response. Additionally, I called the 800 Customer Service number and sometime after the 45 minute hold time, the line went dead. 
the changee I need to get a copy of a check that was cleared on XX/XX/21 but the " new '' Truist system will not show images of checks after 60 days. The 'old ' Suntrust online app would let you go back more than 12 months. 
From what I have been able to gather with XXXX searches and online complaints, the only way to get the check is to make a request, pay {$5.00} and wait XXXX days for it to be mailed to you. 
Since banks no longer return processed checks for record keeping and filing as in the past, they have always allowed you to access your account and print checks you need for more than 12 months. I am able to do with with my Regions, XXXX XXXX and XXXX. 
In fact, XXXX includes a page of your check images for the statement period. 

My issue with TRUIST is that they have deminished the customer online access and functionality so that they can generate more funds with ridiculous charges for services and that they have EXCESSIVE ( more than an hour ) wait times to recieve a response through chat or the customer service phone line.
Consumer complaint received 2018-05-30
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)

cra and ftc were sent to all parites involved these company still have hassle and gone way over board on items that were not mine ID theft and hacking police reports were sent .. 

Nothing i can do XXXX getting from calls from them XXXX XXXX
Consumer complaint received 2021-07-30
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: GOLDMAN SACHS BANK USA (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-30
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (CA)

RE : Wells Fargo Homeowners Loan # XXXX Our problems with Wells Fargo began, XXXX, XXXX. We always paid our State of CA Property tax separate of our mortgage payment. On XX/XX/XXXX we mailed a check to the State of California in the amount of {$2800.00}, for the second half of the annual taxes. Shortly after, the State issued us a check in the same amount, stating that Wells Fargo made t he payment. That was the beginning of an endless dispute with the bank. The claim was that we failed to pay our previous property tax. 

Our original mortgage payments were {$1400.00}, at a fixed rate of 4.25 % for 30 years. 
When Wells Fargo took over the tax payment their representative told us that our mortgage payments would increase to {$1900.00} monthly to cover the cost of the property taxes, which is what we paid. 

We physically brought the payments to the branch on time and in full until COVID, at which time we mailed in the payments, again, on time and in full. However, Wells Fargo Sent us notices that we were late and in default. They charged us late payments and reported us to credit bureaus. When we phoned them we spoke to various reps., who sometimes gave us different payment amounts. This action on their part has drastically impacted our FICA scores. 
We have been in constant contact with Wells Fargo via phone calls, e-mails and certified mail. 

It seems that Wells Fargo wants us to keep paying the extra money on the mortgage and wants us to also pay into an escrow account. 

On XX/XX/XXXX, we received a notice that they transferred our loan to XXXX XXXX XXXX, XXXX as of XX/XX/XXXX, and a transfer package would be forthcoming with details and instructions. It took longer than it should have, so we called Wells Fargo to ask where we should send our payment. The rep told us to mail it to Wells Fargo, so we did. 

XXXX claims they never received the payment, and, we were delinquent and in default. Note : In the notice from Wells Fargo, it is stated that for 60 days after the transfer, payments may be made to Wells Fargo who will send them to XXXX. 
So the same sequence has started again. We mail XXXX the increased amounts on time and they accuse us of being delinquent and in default. 

We have enclosed proof of payments to both Wells Fargo and XXXX, plus other correspondence. 

Please help in these matters. 
XXXX XXXX and XXXX XXXX
Consumer complaint received 2020-04-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IN)

Synchrony financial closed my Care Credit account a few weeks after the Covid-19 pandemic started. Because my credit score was in the " excellent '' range, and because my " on time '' payment history on all debts was 100 %, I attempted communication with the company on 3 different occasions. I was told that recent activity on the account suggested risk of nonpayment. Synchrony proceeded to close down my XXXX 's store account as well as my XXXX XXXX account a month later. This has had a negative affect on my credit score, and their stated reason for doing this still does not make sense.
Consumer complaint received 2016-05-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NC)

Santander Consumer USA is charging me more interest and fees than what was disclosed in the contract. This is a breach of contract and several violations under the truth & lending laws under State and Federal. They are also charging me add on fees and late fees that were n't disclosed. I also called the about my payment being late and I was told they would let me skip XXXX payments and just add it to the end of my contract but instead to this day XXXX/XXXX/2016 it 's showing I am behind {$1200.00}. Also I wanted to payoff the loan which the payoff should be around {$17000.00} but Santander is telling me the payoff is {$20000.00} which is another violation in the truth and lending. How can Santander USA get away with all the crooked Business they are doing??? I have read over XXXX complaints about this Business Please CFPB do something. I might just find a Class Action Lawyer to go after them.
Consumer complaint received 2021-07-30
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: ERC (NY)

XXXX XXXX IS REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT ERC IS A FRAUDULENT ACCOUNT ON MY CREDIT I didnt open any of these accounts and I am a victim of ID Theft Please see the attached FTC report and remove these accounts from my credit
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (RI)

I saw on my XXXX  Credit Report back in early XX/XX/2021 that my mortgage company, XXXX XXXX, said that my mortgage was 30 days past due for the month of XX/XX/2021. I submitted a dispute to XXXX using their website complaint process on XX/XX/2021. I got an email response saying they need to further investigate the issue on XX/XX/2021. They have incorrectly reported to XXXX  that I was late 30 days on my mortgage payments for both the months of XXXX and XX/XX/2021. I had autopay turned on with their company on XX/XX/2021 after they became my new mortgage company so that this would not happen. When I called XXXX customer service they said they had no record of me being late and I was never charged a late fee, so I don't know why this information was relayed to XXXX. My credit score has taken a drastic drop since these two errors occurred. I used to have a 780+ score and now it shows XXXX, which is very depressing to me as I have always been very careful with paying my bills and using credit responsibly. 

I have also disputed the error with XXXX, who didn't change anything on my credit report to correct the errors. Worse yet, they say they are not required to look at the issue again unless I have new information because that is all the Fair Credit Reporting Act requires.
Consumer complaint received 2020-04-24
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (FL)

Disregard of a cease and desist order On XX/XX/2020 at approximately XXXX hours I XXXX XXXX, informed XXXX, phone representative, of Transworld systems IncXXXX, to cease and desist from calling my cell phone and if they call my cell phone number again an official formal complaint will be launched against their company, she acknowledged by saying yes she understands however, she disregarded the notice by stating that there is no guarantee that I still would not receive any calls. 

At this point I restated my cease and desist demand and she acknowledge and state yes she understands however she continued and said, " Unless there is another phone number. '' I quickly restated my demand and asked if she understood what I just said and she said yes. 

And her response was, " unless there's another number, '' " I'm just asking is there another number? '' I restated an asked if she understood what I just said and she said yes sir.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NC)

I have called Navient multiple times trying to lower my student loan payment. Each time I call no one is willing to work with me. At one time my loan payment was {$1300.00} which I could not afford. I have tried to apply for income driven repayment but each time I am told that I make too much. It is frustrating that I have never missed a payment in 7 years but yet no one is willing to work with me to help lower my payments.
Consumer complaint received 2021-07-30
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ATTN : I am reaching out to your company because there are fraudulent inquiries on my credit report.

Pursuant to 1681b Permissible purposes of consumer reports I also never gave you any written consent to report anything on my consumer report.

By law these inquiries on this letter must be deleted immediately Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

No consent is IDENTITY THEFT! 

XXXX Inquiry :XX/XX/XXXX XXXX Inquiry :XX/XX/XXXX