davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

We have an undrawn home equity line with Wells Fargo that has rarely been drawn and never been paid late. Several years ago we discovered that an annual fee of {$75.00} was being charged but there was no attempt to collect it, notify us, etc. I only saw it when I happened to look at a statement. Wells agreed to waive these fees as they are no longer charging fees on home equity lines of credit. Recently I discovered an outstanding {$75.00} fee. When I called Wells, they said it was from XXXX, before the time they decided to waive these fees, therefore I would have to pay it. This is clearly not in the spirit of all the consumer protections that the regulators are asking them to put in place. It seems like waiving any old fees would be reasonable.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (PA)

This complaint is related to Ford Motor Credit. On XX/XX/2020, we contacted Ford Motor Credit as received a notification that our lease had expired. Please note that Ford Motor Credit automatically pulls our payments from our banking account. We had been in the process of working with a local dealership to transition to a newer vehicle just prior to the shutdown. The representative we spoke with offered an extension of the lease until XX/XX/2020 and we accepted. We then submitted the scheduled monthly payment by mail. We had assumed all other payments would be automatically pulled as we were not notified otherwise. After being unable to come to a lease agreement with Ford and opting for a different vehicle, we turned in our truck. Ford Motor Credit immediately reported our account as delinquent, a notice we received on XX/XX/2020. We contacted Ford on XX/XX/2020 and were told that we " should have been asked to provide verbal notification to continue to pull our payments automatically. '' However, we were not asked to provide that acknowledgement or consent. Further, the representative from Ford told us that because we have automatic payments and have always paid on time, we are " at the bottom of the list for notification. '' So, they acknowledged that they did not notify us when a payment should have been made. Had they notified us of the needed payment, we would have made it. Instead, they let two months lapse and only provided us notice of the late payment when we turned in the vehicle. Had we not turned in the vehicle, we may not have been provided notice for another 30 days. Our credit report has been impacted by their failure to notify us. While the rep communicated that the late fees would be waived, we do not believe this to be sufficient action. We would like Ford to correct the information reported to the credit bureau and, if possible, to waive the payments that were not truly late. The fact that they acknowledged their system and notification process was broken, but continued to report our information to the credit bureau is unacceptable.
Consumer complaint received 2019-03-20
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: EQUIFAX, INC. (CA)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on loans with XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2019-03-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (CA)

I have been disputing this debt for years. This is from a dental bill which my original dentist was part of a preferred provider great. His practice was sold to another dentist and the charges skyrocketed. I asked for a detailed accounting of all charges and payments from the dentist and the collection company and they would never provide it to me. I kept telling them I was being overcharged so I left that dentist. The charges originally were supposedly {$700.00} but I could never get an accounting so I could compare what was paid and allowed by my insurance company. There seems to be no oversight on the collection agency and have reported negatively to all credit agencies.
Consumer complaint received 2022-01-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Conn's, Inc. (OK)

I opened an account with Conn 's Home Plus on XXXX for I think {$9800.00}. I have never been 30 or more days past due on the loan, but have been past due and paid all the past due fees. In XX/XX/2021 I was offered a concession payment of almost {$800.00} and was advised that the payment would allow the account to show " paid in full '' on credit report and that the account would be closed. I made a payment of {$310.00} to avoid my account going 30 days past due on XXXX and advised that day that I would call back in a couple days to do the concession payment. I called back on XXXX and spoke with a woman who advised they wouldn't still honor the concession offer that was given to me a couple days prior so I made an additional payment on XXXX for {$450.00} for a total payment of {$770.00}. I was advised at the time of my 2nd payment that my account would be closed and be " paid in full. '' My account has yet to be closed and is still showing a balance and past due status. My account will report 30 days past due tomorrow and this should not be happening. I have been in contact with Conn 's Home Plus in XXXX, XXXX, and now XXXX to get this issue fixed. I have been told multiple times by their teams that the situation will be forwarded to the " resolutions team '' and that I should get a call back or email once it is completed. I have yet to hear from anyone from the Resolutions Team. I have also talked to the Conn 's Home Plus collection department via phone and email and assured this situation will be fixed, and again, no call back or verification of resolution. This is unacceptable as I did what I was asked to do and agreed to do with the concession payment and they have not held up their end of the agreement. I know their phone calls are recorded and have been told when I speak with a member of their customer service team that all the correct notes are in my account o make sure that the issue is resolved. I am very upset that this is now going to report to my credit and it absolutely should not be reported.
Consumer complaint received 2022-01-11
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)

XXXX 2019 I ASKED THE CREDIT REPORTING AGENCIES TO UPDATE MY PERSONAL INFORMATION USING MY CURRENT MAILING ADDRESS AND DELETE ALL OTHERS THAT COULD BE USED FOR FRAUDULENT ACTIVITIES, I SENT SEVERAL MORE LETTERS REQUESTING THE ADDRESS UPDATE AND VERIFY THE ACCOUNTS ON THE REPORTS FOR INACCURICIES. ALL MY REQUEST HAVE NOT RECEIVED A RESPONCE OR CHANGE OR DELETION OF INACCURATE ACCOUNTS. DUE TO THEIR NEGLIGENCE MY CREDIT RATING HAS BEEN DAMAGED, IT'S BECOME MORE DIFFICULT TO SECURE HOUSING AND EMPLOYMENT BECAUSE OF THE INACCURATE REPORTING OF THE CREDIT REPORT AGENCIES. THEY CONTINUE TO FAIL VERIFIYING ACCOUNTS FOR INACCURUCUES AND THEY HAVE YET TO SEND PHYSICAL PROOF OF THEIR VERIFICATION FOR MY RECORDS. IT'S NOW BEEN 2 MONTHS SINCE MY LAST CORRESPONDENCE AND STILL NO RESPONCE FROM THE CREDIT REPORTING AGENCIES.
Consumer complaint received 2019-03-20
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)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX  XX/XX/2017 XXXX {$17000.00}
Consumer complaint received 2022-06-07
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)

Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2021-05-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them .I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently and my customer are really upset about that. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2022-11-25
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: General Motors Financial Company, Inc. (TX)

According to the FCRA, agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. 

XX/XX/2022 - XXXX XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX  ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXXXXXX XXXX ( unauthorized/unverifiable hard XXXX XXXX XXXX XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XXXX XXXX - Auto Finance ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX ( unauthorized/unverifiable hard XXXX ) XXXX XXXX XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX, XXXX ( unauthorized/unverifiable hard inquiry ) I have attempted to dispute these inquiries with all three credit bureaus. However, they have all refused to investigate the inquiries and have informed me that Hard inquiries must remain on my credit report for 2 years and may not be removed.
Consumer complaint received 2022-04-24
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: EQUIFAX, INC. (OK)

In accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX XXXX  Amount 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
Consumer complaint received 2021-05-03
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. (CA)

On XX/XX/2021 I sent a letters regarding an inaccurate an unverified items on my credit. To this date XX/XX/2021 I have yet to receive any response. I like I am being taken advantage of an being ignored about my disputes. Section 611A it is clearly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been well over 60 days I demand those items are removed from my credit report immediately. Or I will be forced to file for litigation due to the stress you have caused me. My information was also impacted by the equifaxs data breach an may have gotten into the hands of the wrong person.
Consumer complaint received 2019-03-21
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: EQUIFAX, INC. (AZ)

I have multiple multiple times contacted the listed below companies and filed disputes for this ongoing issue with the fraudulent charges reported to my credit upon which they fail to remove the items or provide any additional proof of anything legally required and validating it to my responsibility. I contacted XXXX, Equifax and XXXX. Here 's the issues that I have w these companies XXXX XXXX XXXX - XXXX  XXXX XXXX-XXXX-XXXX XXXX   {$620.00} XXXX XXXX  - XXXX XXXX XXXX-XXXX-XXXX BAL {$430.00} XXXX XXXX XXXX-XXXX-XXXX BAL {$1400.00} XXXX   XXXX XXXX - XXXX XXXX-XXXX-XXXX BAL {$690.00} XXXX XXXX XXXX - CHARGED OFF AND REMOVED FROM CREDIT PER XXXX   AND XXXX  {$0.00} BALANCE XXXX/XXXX IS AGAIN PULLING ON MY CREDIT FROM THE ORIGINAL FRAUD ACCT ABOVE WITH XXXX XXXX XXXX {$690.00} XXXX XXXX IS FRAUDULENT ON MY REPORT AND DISPUTED BUT REFUSED TO DELETE AND UPDATE ALSO W BAL NOT GIVEN XXXX XXXX - 4X REPORTED IMMEDIATE FRAUD AND WON'T DELETE BALANCE {$200.00} SAME FRAUD ISSUES W XXXX XXXX ( XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX AND BOTH XXXX XXXX ACCTS OPENED ONLINE WITH NO IDENTITY VERIFICATION EITHER ON ANY OF THEIR PARTS OR SIGNATURE, PHYSICAL ID NOT OBTAINED OR ANYTHING. I WANT THIS MATTER ADDRESS ED AND IMMEDIATELY REMOVE THEM FROM ALL. MY CREDIT BEAURUS
Consumer complaint received 2019-03-20
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: EQUIFAX, INC. (FL)

In 2014 my wife and I were having some financial difficulties after she lost her job due to an on the job injury that she subsequently had to sue her employer for in order to receive medical disability. During that time we received some really bad advice from an Attorney and filed for Chapter XXXX Bankruptcy. Within a matter of days we began to have remorse and requested the Bankruptcy be dismissed. The Attorney ( who offered no refund ) did not act in a timely manner and the Bankruptcy was filed, but later dismissed at our request. We subsequently contacted all our creditors and made arrangements for payment and eventually paid them off. 

One of our creditors at the time was XXXX XXXX ( XXXX XXXX ). In the initial paperwork we filed with the Attorney XXXX was not listed. I explained to the Attorney that I wanted to keep that account since I had had it for a number of years and was always in good standing, with a relatively low balance. He said that was permissible. 

To my surprise XXXX XXXX acted on a public records filing and arbitrarily closed the account ( that was current at the time ) and began reporting it to the Credit Reporting Agencies as a " charge-off ''. Despite my knowledge of that, I continued to pay them until the balance was paid in full and they gladly accepted the payments, XXXX XXXX did not sustain any financial loss from my account. 

I have contacted XXXX XXXX numerous times this matter, to include a letter directly to the CEO. My efforts have continuously been to no avail. I have disputed the entry on my credit report with the Credit Reporting Agency numerous times, but each time I am informed the information being reported will remain on my report.
Consumer complaint received 2018-10-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NY)

I received a payment from another person via PayPal. I was notified of the payment transfer because PayPal sent me an e-mail stating the I received the funds. However, when I logged into my PayPal account, my PayPal balance or activity did not reflect the transaction. As such, I followed up with PayPal by placing a call and inquiring of the missing funds. PayPal agreed that they did send an e-mail notifying me that the funds was sent, but unfortunately can not track the payment made. PayPal states this is possibly due to a glitch on PayPal 's end. As such, the payment was lost, so I never received the funds, and the person that sent me the funds lost the amount because I never received this amount. 

When I asked to file a formal compliant with PayPal, PayPal states that they do not have a formal complaints process and customers may only speak with Managers. In addition, PayPal does not have process to receive and escalate these disputes or complaints. 
I spoke with Employee with ID # XXXX.
Consumer complaint received 2018-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TN)

On XX/XX/2018 - Account Closed by Company without notification - I spoke to the rep who was not in the US - and by a US based employee that was polite and condescending at the same time and said that they could close my account at any time. She wouldn't explain why the account was closed but said to read the account agreement. 

" Closing Your Account. 
You may close your account at any time by sending a letter to the address shown on your billing statement or calling customer service. We may close your account at any time, for any reason. If your account is closed, you must stop using it. You must still pay the full amount you owe and this Agreement will remain in effect until you do ''
Consumer complaint received 2020-12-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF THE WEST (WA)

My husband and I signed account closure paperwork for our savings and checking accounts with the bank on XX/XX/XXXX and withdrew our funds to a XXXX  balance. The bank allowed a fraudulent charge to our checking account of {$25.00} on XX/XX/XXXX and tacked on various overdraft fees and refused to close the account as it was now in a negative balance. Note that they also refused to close our savings account even though no charges were made to that account. After negotiating with the bank and filing a fraud claim all charges were reversed by XX/XX/XXXX and we requested the XXXX branch manager on both XX/XX/XXXX and XX/XX/XXXX to close the accounts at that time. Not only have they not been closed, a fee was applied XX/XX/XXXX and a further overdraft fee was applied XX/XX/XXXX. Despite a third request to the bank branch to close the accounts on XXXX our accounts remain open as of XX/XX/XXXX. This includes the savings account which has been at a XXXX balance since XXXX with multiple requests to close it.
Consumer complaint received 2022-08-14
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX ( Sub # 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 ConsumeXXXX reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-05-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (KS)

XX/XX/21 : Bought XXXX XXXX XXXX truck from a private individual. XXXX paid US Bank in the electronic transfer of funds at XXXX XXXX of {$37000.00}. 

XX/XX/21 : New buyer ( complainant ) received a lien release from US Bank dated XX/XX/21. 

XX/XX/21 : XXXX XXXX Kansas XXXX in XXXX, KS would not accept the lien release was not valid as it did not have a notary stamped and both seller 's names on the release. On the same day, the buyer drove to XXXX XXXX, KS to a US bank ( XXXX XXXX XXXX XXXX, XXXX XXXX, KS XXXX. XXXX XXXX XXXX to discuss the issue with the Manager. The manager then called the main US Bank branch in XXXX WI and was told to put in for a new lien release. New release requested entered. XXXX # XXXX. The buyer told it would be 20 days to receive the 2nd lien release from XXXX WI. 

XX/XX/21 : XXXX called US Bank in XXXX KS XXXX XXXX XXXX XXXX ). Spoke with XXXX, advised to wait a few more days for lien release to come in the mail. Unsatisfied with the response from XXXX, the buyer called US Bank in XXXX, WI. Spoke with agent XXXX who reported that the second request placed on XX/XX/21 was denied to be sent to the buyer 's address, but could have it faxed to the XXXX in XXXX XXXX Kansas. Request for fax placed. XXXX # XXXX. 

XX/XX/21 : Buyer called XXXX XXXX Kansas XXXX to see if the fax from US Bank XXXX had been received. XXXX agent checked all faxes received. This request was not found. The buyer then called US Bank XXXX XXXX, WI, agent told the buyer that the request to fax the lien release was " in review '' and had not been sent. The buyer requested to speak to a manager, none available at the time. The buyer requested a manager to call back to discuss the situation. No return phone call received. 

Complaints concerns and with for resolution : Multiple days of work have been taken by the buyer to address this issue. XX/XX/21 Buyer will be outside of the mandate to tag the vehicle within 60 days, which will incure associated fees for late payment of sales tax and transfer of title. There is also concern of citations and fees if law enforcement pull over the buyer in the vehicle.