davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (NY)

Dear CFPB, My loan with SLS is incorrectly showing status and all my payment information is not there. As per new credit report, it is showing the last payment was XX/XX/XXXX ( XX/XX/XXXX ), when I am paying every month and it not showing that. Also, it is not reporting any of my trial payment that I made before. It is also incorrectly showing 120 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & prior months. I have sent letter to this company with " goodwill deletion request '' and so far, has not been granted. Prior XX/XX/XXXX, I was not responsible for these payments due to Divorce settlement, and I even presented that stipulation.
Consumer complaint received 2022-07-20
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: CITIBANK, N.A. (MI)

A hotel booking that clearly showed a refund amount of {$480.00} on the confirmation letter refused to honor the refund. After filing a dispute with our credit card company, Citi, they sided with the hotel. I responded with supporting evidence showing the hotel and the booking agent are incorrect. They even have a section in the terms of use that specifically states a non-refundable booking will be refunded upon request. My letter to the Citi dispute department and supporting evidence is attached. Thank you for your time. 

Booking was made via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, dispute was with Citibank.
Consumer complaint received 2015-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion has an old charged off XXXX credit card on my credit report. The account was last reported in XXXX/XXXX/2007 with a balance of {$790.00} which makes it over the 7 years.
Consumer complaint received 2017-08-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (SC)

I got a first time Auto Loan through XXXX XXXX, and I paid my loan on time. Then they transffered my loan to Westlake Financial and both are still on my credit as a whole loan. The interest rate is  too high. And the car is only a XXXX with 85,000 miles on it. I struggle to pay my car payment every month, and I just realized recently how much interest is owed on the car. The car is overpriced, and the company
Consumer complaint received 2018-03-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Control Bureau (LA)

I initiated a dispute with XXXX and XXXX in late XX/XX/XXXX pertaining to a collection account that had been placed on my credit report from the collection company Account Control Bureau. Account Control Bureau placed a collection account on my XXXX and XXXX credit report amounting to {$82.00}. I have not been contacted via phone or mail regarding this debt, therefore I have no knowledge of this account. Upon finalizing the initial dispute, XXXX and XXXX   responded with a copy of my credit report stating that the account in question was verified by the creditor. Account Control Bureau did not provide any documents or evidence to verify the account, but instead XXXX and XXXX kept the account on my report. I initiated another dispute to XXXX and XXXX in XX/XX/XXXX asking again for proper validation of this debt, but instead of verifying the debt, XXXX and XXXX reported the debt by responding with a copy of my credit report stating that the account in question was verified by the creditor. Again, Account Control Bureau did not provide any documents or evidence to verify the account, but instead kept the account on my report. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from my XXXX and XXXX credit report or provide me with physical proof, such as a signed legal binding contract of the debt. Your immediate response will be greatly appreciated.
Consumer complaint received 2017-08-12
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. (AL)

I have two student loans account that are on transunion and XXXX due to Fraud! They were listed on XXXX  but were removed XXXX XXXX 2017 with police reports and ftc affidavits. XXXX forwarded the information to both transunion and XXXX which they have to do because its a identity theft/ Fraud situation. Transunion refuses to delete the accounts as well as XXXX. Transunion I 've called 4 different times and they told me they can'T remove items that are fraudulent even if the other bureau proved it was fraud This seems so wrong and a violation
Consumer complaint received 2024-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (AL)

This complaint involved Ally Bank. I have recently been under contract to purchase a house and completed closing on Tuesday, XX/XX/XXXX. However, Ally has been grossly incompetent in their handling of my wire request to delivery needed funds for closing including down payment and closing costs. On Monday XX/XX/XXXX at approximately XXXX XXXX  CST I initiated a wire transfer request to Ally bank using their required forms. Around an hour and a half later on the XXXX the wire amount of {$23000.00} was debited from my account. Since then, the wire has failed to proceed in the process for wire transfer request review and approval. I have made at least XXXX attempts to call customer service to receive updates about this wire transfer request and have only been told that it is " in processing '' without any estimated timeline for completion. I have been reassured that it would process and that I could notify the recipient - the loan title company - that the requests were being worked through in the order they were received and that their quoted turnaround time ( processing of requests within a few hours and completion of transfers on the same day being completed if they were processed before XXXX XXXX EST ). On Tuesday, XX/XX/XXXX I was advised that an escalation request had been noted for my wire transfer. Since then, I have still received no contact from the bank to verify my wire and the order still shows as " received ''. Customer service agents only state that the wire is in processing and that they have received a large number of wire requests which have caused delays. They provide no helpful information or guidance. 

Due to Ally 's gross incompetence, I am now in breach of my contract on this house and subject to legal action by the sellers, lender, and other parties. 

Numerous other Ally customers have reported identical concerns in online forums this past week, also with no helpful resolution after multiple attempts to contact customer service and have been provided false reassurance, conflicting information, and outright lies by the company. this includes multiple other individuals who are dealing with Ally 's incompetence as they attempt to buy homes, which are causing customers to violate contracts and either push or cancel closing. 
XXXX XXXX XXXXAllyBankXXXX XXXX XXXX XXXX XXXX XXXX XXXXAllyBankXXXX XXXX XXXX XXXXAllyBankXXXX
Consumer complaint received 2022-02-03
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: U.S. BANCORP (CA)

I have attempted multiple times to try and resolve an issue with US Bank Credit Card services since XX/XX/XXXX. 

After making several phone calls, being hung up on multiple times with no call back, I feel my issue is nothing of importance to US Bank. I have had nothing but problems with US Bank card services over the past XXXX years. 

I have a charge on my statement for {$350.00} that posted on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. I never authorized or signed for a charge for this amount. I did authorize a charge for {$180.00}. I have attached my receipt with this complaint. 

I want my credit card credited back for {$170.00} for the unauthorized charge back immediately. I don't have any other choice after this but get an attorney if the charge is not credited back. 

US Bank needs to severe work on providing any sort of satisfactory customer service. They do not follow up with customers regarding matters of urgency. 

-XXXX XXXXXXXX XXXX
Consumer complaint received 2017-08-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (MD)

AWA COLLECTIONS KEEPS CONTACTING ME. THIS WAS A REPO DONE BACK IN XX/XX/XXXX/XX/XX/XXXX. CAR WAS SOLD AT AN AUCTION AND SOLD TO ANOTHER DEBT COMPANY. NO LONG AFFILIATED WITH THIS DEBT.
Consumer complaint received 2016-08-11
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WELLS FARGO & COMPANY (CA)

I dispute the validity of this debt.This debt is not valid.I am requesting XXXX to obtain verification of debt. Please also include method of verification. 

( a ) The name of the original creditor ; ( b ) The person 's name they verified the dispute with ; ( c ) The Address : ( d ) The telephone number ; and ( e ) The documentation used to verify the debt Address of this Complaint- XXXX , CA.XXXX Loan Number of this Complaint- XXXX
Consumer complaint received 2015-09-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (FL)

I had a Wells Fargo auto loan paid perfect for XXXX years, got into an accident had gap coverage also insurance was to pay off the loan. I pulled my credit report and seen on this account it stated a collection account because there was a small balance left which should n't of been accurate. I went ahead and paid it because I care about my credit. How can this company report I had a collection when it fact every payment for 3 years was made until they received the insurance check. Please help
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

15 U.S. Code 1681a - Definitions ; rules of construction STATES ( 2 ) ExcLUsloNS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not Include ( A ) subject to section 16815-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report, XXXX XXXX XXXX you're supposed to put my payment status is paid in full. The status of my account is supposed to be paid in full.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the fair Credit Reporting Act section 611.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Applied for credit card as well as loans and was advised that only one inquiry would be made to view credit but later found out my credit was ran by multiple companies and left me with multiple hard inquiries that I had no idea about. 
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 2020-06-01
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: Experian Information Solutions Inc. (NC)

Results from a previous investigation was received on XX/XX/2020 from Experian stating that the account from the NC XXXX XXXX XXXX XXXX was accurate. I sent in another affidavit requesting on XX/XX/2020 for the proof of verification which resulted in another investigation where the results were the account was again reported accurate. I sent an letter to the NC XXXX XXXX XXXX to the address provided on my reports and that letter was returned, stating that the address was a " unknown '' and " undeliverable '' Address. I again sent that newly found evidence on XX/XX/2020, to the Experian demanding for the account to be removed from my credit report ; where it started another investigation. After the investigation was completed, on XXXX XX/XX/2020 Experian stated again the account was accurate. It is my understanding according to the FCRA, information provided on my credit report must be 100 percent accurate. I provided proof that the address on the report is inaccurate, yet the credit reporting agency reported the account as accurate.
Consumer complaint received 2017-08-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

XXXX XXXX XXXX XXXX contacted me about a credit card from Capitol One which they are attempting to collect upon. They did not identify themselves as being from XXXX XXXX XXXX XXXX. I discovered this after reverse tracing the phone number they gave me to contact them.Instead of discussing the delinquent credit card amount in question, they attempted to coerce me to purchase a gift card from them, before allowing me to inquire or negotiate over the amount I owe to Capital One. They sent me a letter dated XX/XX/2017 with the last four digits of the credit card # XXXX along with a case number XXXX. The letter instructed me to call an XXXX number ( XXXX XXXX ). I called the number which brought me to a menu with only one option, which was to hit the number 1. I selected the number and a call center representative came on the call and attempted to sell me a {$100.00} dollar gift card for a fee of {$2.00} before he would discuss anything about the delinquent credit card. This tactic was deceptive and unethical in my opinion. I was trying to make a good faith effort to settle an old debt and was being being solicited to buy something else in order to simply gain access to someone who could or would discuss the credit card with me.
Consumer complaint received 2022-07-20
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. (GA)

Applied for credit card as well as loans and was advised that only one inquiry would be made to view credit but later found out my credit was ran by multiple companies and left me with multiple hard inquiries that I had no idea about. 
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 2016-07-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

On behalf of Citibank, a debt was settled through XXXX XXXX , XXXX . Some months later, XXXX XXXX XXXX , XXXX tried to collect the same debt. I wrote to XXXX XXXX explaining their error and received no response. XXXX XXXX continues to send mail demanding payment. 

Attachments : 1. My letter of explanation to XXXX XXXX 2. XXXX XXXX 's demand for payment 3. Settlement letter from XXXX XXXX 4. Canceled check sent to XXXX XXXX with reverse stating " For Deposit Only, Citicorp Credit Services ''
Consumer complaint received 2016-06-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I received my credit report XXXX because I had finally become financial able to buy my first home. I saw that Bank Of America was on my credit report saying I owed them {$5200.00}. I disputed the account with Bank of America and all XXXX credit bureaus. Neither the company nor credit bureaus will send me the proof proving I owe the money even after disputing this account for a total of 3 months. I would like for both the company and the XXXX bureaus to send me proof, such as a customer agreement I signed or some kind of promissory note with my signature, ID, and social security card proving its my debt. I would like a detail response as to how the information is being verified, and I would like a detailed payment history, if not I would like for the company and all three credit bureaus to remove the incorrect information from my report.
Consumer complaint received 2024-03-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

On XX/XX/2024, I used my Cash App account to buy XXXX at the request of my XXXX XXXX XXXX son who was unable to buy XXXX with his own Cash App because he is XXXX XXXX  I bought {$43.00} worth of XXXX and sold it within an hour because the price had soared. I then transferred the cash that I made from the sale ( roughly {$3700.00} ) to my son 's Cash App account. It never made it my son 's account. What followed has been a nightmare. My son 's XXXX account was compromised. We have had to open 2 new accounts at XXXX, one of which was hacked again. Access to his phone was compromised. We had to wipe his phone and get him a new phone # because whoever had done this was calling his contacts, trying to facetime his contacts. They accessed his checking account and tried to deposit fraudulent checks into his account. They XXXX  money from his account to a friend 's account. XXXX flagged the fraudulent transactions but Cash App has been a nightmare. Their app is not secure. We have called to complain and they say that they will get back to us but it can take 10 days. It has been more than 10 days & we have heard nothing. My wife tried to file a CFPB complaint and the response was she is not the owner of the account so the case is closed. Well I AM owner of the account and I am complaining. If you try to question them about anything they hand up on you. No one should be using Cash App because it can be easily accessed and then they do not help you with your issue. A warning should be included with the download that your information could be at risk.
Consumer complaint received 2016-02-02
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (CO)

I paid a company called XXXX XXXX a total of XXXX between my Wells Fargo Visa and XXXX XXXX for services that were never provided. They were to teach us how to effectively sell on XXXX, set us up with drop shippers and create a website. All of this was with the promise that I would get my money back within one year. They never provided the website or any of the drop shippers. They did nothing to justify the money we paid. We had to pay another company for a website and do all of the stuff they promised through other companies. I was informed that I am unable to dispute these charges because of the time that has passed but I find that this is not an acceptable answer. This company has been paid a lot of money for nothing.
Consumer complaint received 2024-03-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MI)

I have received an email aswell as a letter via mail from Jefferson Capital Systems LLC. 
I have requested information that I have not received. Instead of providing me with all documentation that is needed to confirm such information. Jefferson capital system has violated my rights to consumer privacy pursuant to 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2022-07-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (NY)

Hi there, Sallie mae either came to contact or left messages to ; 1. My brother. Who literally just came out of XXXX  XXXX XXXX XXXX  and who literally just purchased a phone that he could afford calling him at work. 
Call was made- XXXX XXXX XXXX. My best friends estranged mother- in- law at her job. Who has no relation to me whatsoever and now is informed of my business, also causing fuse between my best friend and I. 
Call was made sometime last week- I didn't ask for exact date and time since it was the last thing I was thinking about when my best friend was yelling at me.
Consumer complaint received 2022-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-08-12
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. (GA)

I was shocked when I reviewed my credit report and found items that are not mine that are being reported to all three credit bureaus. I have never lived at this or any other apartment in the last 20 years. Creditor : XXXX XXXX Account # : XXXX I have always paid my bills on time. I am victim of identity theft and want this item off my credit.