davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-12
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: WELLS FARGO & COMPANY (IL)

I paid off my car on XXXX ( with a small overage... ). The website promises that the lien will be released and the title mailed three business days after being paid off with XXXX. I called in XXXX business days later and was told the lien was going to be scheduled to be released and the title sent on XX/XX/XXXX ( not in compliance with their own website, but still, fine... ). The individual that I spoke to when I called in confirmed that I had in fact paid a sufficient amount to release my title when I paid off my loan. 

The lien is still not released as of XX/XX/XXXX on the Illinois Secretary of State 's website. 

This is the second time that Wells Fargo Auto has done this to me! I shouldn't have to submit a complaint to get Wells Fargo Auto to do their job and give me the rightful clean title to my car after I pay off my loan. 

Warning to consumers : don't get an Auto Loan with Wells Fargo Auto. They won't treat you fairly or in compliance with their own stated rules when you pay off your loan.
Consumer complaint received 2024-05-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Mercury Technologies, Inc. (KY)

I have a Mercury account ( XXXX XXXX XXXXXXXX ) My company name : XXXX XXXX  XXXX XXXX XXXX XXXX account on XX/XX/2024 and withheld the balance on my account. 

The total amount involved was XXXX {$25000.00}. 

It has been XXXX days now and I have tried to communicate with them via phone and email but they have not responded and I suspect they are holding my funds with malicious intent.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I received a phone call today from the Chase Executive office, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), informing me that my Chase relationship, including my personal business account and all my credit cards, has ended due to what he called potential excessive and illicit transactions. 

I have never made any illicit transactions. 

XXXX XXXX said the decision was final, no explanation was necessary, and there was no means of appealing. XXXX XXXX mentioned that the bank could do this because I signed a clause in the legal agreement upon opening my account with Chase. 

XXXX XXXX provided me with no other details. He said he didn't need to tell me the reason for the actions or their timing or whether this impacted my future banking relationships with Chase or other banks. 

He just said the bank can legally do this because I agreed to it when I set up the account, and the bank 's decision is final, so there's no appeal.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Dear Sir/Madam : I am disputing my accountwith XXXX. Please verify this debt as required by the Fair Debt Collection Practice Act ( FDCPA ) ( section 1629g ). Federal and state regulations require all debt collectors to send specific written documentation verifying the debt. Under these rules, verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge. 
I dispute this debt because Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the tradeline from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. Aside from verifying the debt, do not contact me about this debt. The FDCPA requires that you honor this request.This account was originally reported late 30 days by original creditor in XX/XX/year>. I have asked this information verified. I would like statements from the original creditor since this account was opened. Portfolio Recovery has 3 different dates of the XXXX date of delinquency on each creditor agency. Portfolio Recovery has been sued by CFPB in the past for this same actions. Portfolio must have all monthly statements since account was opened to properly established a XXXX Date of XXXX.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items from my report. 

XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX {$920.00}
Consumer complaint received 2020-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I received a copy of my credit report and there are accounts on it that I do not recognize.I have tried to contact the credit bureau to remove the accounts however they have denied my request to have these accounts investigated and removed.
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IN)

I have asked and provided experian with proof of my identity, as required by them, experian, a form with my information such as name address date of birth social security and etc. Along with my government issued identification ( drivers license ) and any bill such as my auto insurance statement that includes my address. My reasons for this is that i have asked with provided proof that fraud alerts be removed and instead of doing so made matters worse like for example they added another fraud alert for 7 years. I am extremely unsatisfied with this matter.
Consumer complaint received 2022-11-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (CA)

got a letter in mail about a debt XXXX to afni inc i do not owe this company any money they are just buying debts on line and selling back and forth im gon na sue you afni dont play with me
Consumer complaint received 2020-05-24
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. (GA)

I received a copy of my credit report and there are accounts on it that I do not recognize.I have tried to contact the credit bureau to remove the accounts however they have denied my request to have these accounts investigated and removed.
Consumer complaint received 2020-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI (OR)

General Revenue Corp has a delinquent claim for a debt I do not owe on my credit report. 
Ive told them I do not owe this debt and requested they produce the note that says I do. 
They will not remove the bad mark on my credit. 
It feels like extortion Im taking this step before I take them to court, hoping this will resolve the problem and also show the public that they do this.
Consumer complaint received 2023-05-24
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. (MD)

in accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 601 states i have a right to privacy, 15 usc 1681 section 604a 2 also states a consumer reporting agency can not furnish an account without my written instructions, 15 usc section 1666b a creditor may not treat a payment on a credit card account under an open ended consumer plan as late for any purpose. My data was breached by the cfpb, XXXX, XXXX and equifax.
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANNER CORPORATION (IL)

Banner Bank manager who closed my debit card for 5 disputes in 8 months never sent my closing balance. They knew I was moving. I never received the check and Banner refuses to do a direct deposit or wire transfer. {$850.00} was never received.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (TX)

This company continues to practice unethical business practices include sending false documentation to defame my character. They use deceptive business practices of luring consumers in with a XXXX or low interest rate then slams them with 29.99 % interest making it completely difficult to pay payments and reduce principle on the account. When I paid down the balance, they lowered my available credit by {$700.00} making my credit score drop because of apparent high usage. This prohibited me from getting another credit card or personal loan with a lower interest rate to transfer this balance to in order to get out of debt sooner. This companys owners started out as XXXX XXXX in the XXXX and they are still keeping XXXX XXXX XXXX with their business practices. I paid my payment on time and they held the processing of this payment over so that they could steal more money from me in interest and then lied saying that I missed a payment. Late payments get reported to Credit Bureaus which hurts credit scores of consumer. This is predatory lending, keeping consumers in slavery to them. Since they did this to me, they probably have committed fraud on XXXX of their consumers. An investigation into this company should begin and force them to reduce interest rates and refund all fraudulent fees and pay for damaging consumers character and credit score. They play evil games with people! I have attached the false and fraudulent letter stating i missed a payment which is a lie. This company must be stopped from their illegal unethical and evil business practices!
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (OK)

On XX/XX/year> at XXXX I received a phone call from my bank, Chime ( the same phone number ) stating my account has been hacked. They advised me how to secure my account. Then transferred my entire checking. I was scammed by a chime impersonator. I filed the dispute and it was denied and they state I will not receive my money back. This was a scam call impersonating chime bank phone number and supervisors.
Consumer complaint received 2022-08-15
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-15
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-06-20
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. (GA)

In accordance with the Fair Credit Reporting act XXXX account XXXX  XXXX # XXXX has violated my rights.15 U.S.C 1681 section 602 A I have a right to privacy.15 U.S.C 1681 604 section 2 XXXX states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my privacy rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-14
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED Account # XXXX US DEPT ED Account # XXXX XXXX XXXX XXXX XXXX USDOEXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-05-24
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. (PA)

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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-05-24
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)

When I checked my credit report there were accounts appearing that I am not aware with a came from. I have been sending out disputes and demanding verification on these accounts, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX. I wanted these items deleted from my report.
Consumer complaint received 2022-07-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Forster & Garbus LLP (NY)

Foster and Garbus LLP is attempting to collect a debt for XXXX XXXX XXXX which was purchased from XXXX XXXX, which defaulted on XX/XX/2002 for the amount of {$1800.00}, the original amount owed was {$500.00} dollars and amount that is being billed on demand {$1800.00}, this debt is XXXX years old.
Consumer complaint received 2023-05-24
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. (MO)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX XXXX Problem with Portfolio Recovery Associates for allowing incorrect information to show on my credit report. According to FCRA section 609, when the consumer disputes an item and request for the original contract with my signature to be produced to me to prove the ownership of this fraudulent accounts. They have 30 days to produce and they do not produce contract with signatures, but allow these accounts to stay on my report. I have written and disputed this produce and no correction has happened.

1 ) Portfolio Recovery original creditor XXXX XXXX  {$1200.00} 2 ) Portfolio Recovery original creditor XXXX XXXX {$420.00} 3 ) Portfolio Recovery original creditor XXXX   XXXX $ {$540.00} I have not done any business with this company Portfolio Recovery A. 
Thus I am requesting an original contract with my signature and date. If they can provide it these three accounts must be deleted.
Consumer complaint received 2024-05-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION (FL)

On or about XX/XX/2022 an auto loan was opened with CREDIT ACCEPTANCE CORPORATION under my name. When I identified this, I contacted the lender and requested information. The DOB they had on file was not the correct DOB to match me, and they wouldn't talk to me, even though they are reporting to my credit report.

After calling several times I was able to get someone in the phone who informed me the loan was in my name, and all identifying information matched mine, except the DOB. I was then instructed to email a copy of my driver 's license so they could update the DOB and report the account as fraud and close it. That has been at least 3 months and they have ignored my request. 

I have since filed a report with the FTC and notified the DMV in the State of Hawaii where the car was purchased. As to date, the license plate has not been renewed since the car was purchased in XX/XX/2022. 

I have also filed several disputes with credit bureaus, all of this have been denied. They now have a copy of the FTC Identity Theft report and said they are currently working to block this account along with several others that was purchased, along with another auto loan that was opened. 

( Documents Attached To This Report )
Consumer complaint received 2021-06-29
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: Experian Information Solutions Inc. (MO)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2021-06-29
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. (PA)

I want my fraud 2 inquireys iff for XX/XX/XXXX and XX/XX/XXXX. 

Then take off illegal reporting for last 4 years on my XXXX credit card for XXXX XXXX