davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

Dear Consumer Finance, This complaint is against US Bank. I have experienced tremendous pain and suffering due to this account.

Over a month ago I opened an online checking account with US Bank. I had an unauthorized transaction that took place causing m account to freeze. After numerous attempts of speaking with my supervisors, tellers, bank managers, and spent hours being directed to so many different departments. Not even a month I had unauthorized transaction and my account was closed. Even my account being closed and requesting funds to be given either at the branch or sent in the mail. Its been over a month I have waited to see my refund of about {$1100.00}. I take care of 2 Senior parents,  during that time I had experienced a loss, I suffer from XXXX   XXXX  and I even spent hours letting them know this caused health issues. Their response was they couldnt do anything. The efraud team treated me unfairly and discriminated me and also made assumptions. This company have caused sleepless nights, my health to be worse, and I cant believe they are doing this during COVID. 
This bank has contracted with XXXX XXXX to do Bank products and I happened to be a licensed XXXX XXXX agent team member. I find it so hard just my personal experience alone to see how unprofessional these employees such as supervisors, managers, tellers, horrible customer service, the worst. Misleading information and communication is not there. No assistance given. Still after visits to the branch, making customer service calls early in the morning and at night. Unbelievable and horrible work ethics. Unfair treatments. Banks like this caused my health to fail. If I dont die from COVID, the XXXX, XXXX  and XXXX  this has caused is unacceptable business and bank practice. No refund of my closed account and I was told to wait 90 days to stop a cashier check. No flexibility. No options.
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I tried numerous times to access the Equifax online system to unfreeze my credit so I can apply for a mortgage. Starting on XX/XX/ 2020. Their system said my password was wrong, but did not offer me the " Forgot Password '' option to recover and make a new password. The system locked me out. 

I then called their customer care numbers ( that's joke! ) twice and was asked a number of security questions, which I obviously did not answer correctly according to them ( their answers are not correct! ). They said I would have to fax my information to Equifax to get my credit unfrozen. Both people gave me completely different information about what was needed on the fax. I faxed my information on XXXX XXXX, 2020 requesting immediate unfreezing of my information. 

On XX/XX/XXXX, I am still locked out, when I call their " customer care '' numbers, after going through a series of questions to provide information, the recording tells me if can't identify me and hangs up. I sent another fax today to a different number. Haven't heard from them and my status hasn't changed. 

I can't get to a live person to talk to. At the other credit bureaus, I was able to change my freeze easily. 

Meanwhile, I can't apply for a mortgage, and time is running out.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I disputed these public records and they refused to remove the public records, they advised they verified the information, I Sent a letter to the XXXX XXXX of Michigan courthouse and I asked if they report bankruptcies To the credit bureaus, they said they do not report to anyone how did they verify this was accurate. According to section 602 states that I have a right to privacy 15 UCC 1681 604 a section 2. They never did a fair investigation according to US C 15 181 section 603E which states the term investigated consumer report or portion thereof are obtained through personal interview
Consumer complaint received 2022-04-23
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. (OH)

I DID NOT AUTHORIZE NOR HAVE ANY KNOWLEDGE OF ALLEGED DEBT BEING REPORT TO OR FURNISHED TO ANY CRA 'S LISTED BELOW. I HAVE REQUESTED SEVERAL TIMES TO BE FURNISHED WITH ORIGINAL DOCUMENTS TO SUPPORT THE INFORMATION THAT IS BEING REPORTED ON MY CREDIT PROFILE AND AS OF TODAY, THEY HAVE NOT. BOTH CRA 'S AND CREDITORS. 

XXXX  XXXX # XXXX ..... 
XXXX XXXXXXXX # XXXX .... 
XXXXI # XXXX .... 
XXXX XXXX # XXXX ..... 
US DEPT OF ED # XXXX ..... 
US DEPT OF ED # XXXX ..... 
UD DEPT OF ED # XXXX ...... 
XXXX XXXX XXXX # XXXX ....
Consumer complaint received 2018-10-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (IL)

On XX/XX/XXXX, I called Exeter Finance and asked for a breakdown of how much the car was sold for, other charges ( interest, storage, cost to pick up ) to be mailed to me. I specifically asked for an Intent to Sale form and a 1099c. They told me that they would mail a 1099c but did not have nor do or use a 1099c and could not provide that to me. I asked them how much I owed and they gave me a total of {$10000.00}. They then told me that I owed the debt to XXXX and not them and to call XXXX XXXX set up a payment system. When I called XXXX they told me that my balance was {$7800.00}. Today, on XX/XX/XXXX, I still have not received an Intent to Sale form in the mail. I called them today for an update and asked why XXXX said I only owed the {$7000.00} but they are charging me {$10000.00}. She stated that the car sold for {$6300.00} and I was charged for other things such as the preparing for auction, the cost of the car, late fees and the cost to pick the car up. I am not sure who I would pay the other {$3000.00} to if XXXX is only charging me for what is the remaining balance on the car. She noted that she sent me a breakdown of the costs on XXXX of XX/XX/XXXX but they sent it to the wrong address and I never received it. I requested another breakdown of everything I was charged for that she listed plus any other charges. I would like them to send me a complete breakdown of all the charges to ensure I am paying an accurate amount and not being held responsible for something I should not be. This is the second time I have had to request this form and would like to resolve this debt.
Consumer complaint received 2020-10-22
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. (DC)

I submitted several disputes related to erroneous items on my credit report. I contacted both credit reporting agencies XXXX XXXX Equifax, and XXXX ) in addition to the creditors as seen on the letters. I am requesting the assistance of the Consumer Financial Protection Bureau. The required timeframe for investigation is between 30 to 45 day. The credit reporting agencies have exceeded the timeframe by law and these items need to be removed from my credit report immediately as it is a hinderance in applying for new credit, housing, etc. In addition to my complaint, I have been a victim of fraud. I am attaching a copy of a police report. I am requesting that these items be removed from my credit report.
Consumer complaint received 2020-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (CA)

Jefferson Capital Systems , LLC, a national debt collector, is attempting to collect on a debt that has been processed and accepted by XXXX, an insurance company. The alleged debt arises from XXXX XXXX in the amount of {$4000.00} for four devices and on months service with late fees ( two phones for {$680.00} each, two tablets for {$760.00} each and one hotspot device for {$85.00} ). The telephone numbers and corresponding insurance claim numbers associated with each device are XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, and XXXX for the service on the hot spot device which I own. I tried to pay the {$85.00} for the one month of service with late fee, but I was told by XXXX that the account ( account number XXXX ) had been forwarded to collections. I then informed XXXX XXXX that they are attempting to collect twice and are double dipping while committing at least two criminal acts of wire fraud and insurance fraud as well as violating State and Federal debt collation regulations and laws. I have elected not to have my devices replaced after the claims were accepted by the insurance company and, as such, XXXX had billed me for and placed charges on my account for the replacement devices which has now been forwarded to this collection agency. While I understand the norm is to replace the devices and then bill the account for the newly replaced devices that is not the case in this instance. Therefore, no money is due by me for the devices that the insurance company paid out on. XXXX XXXX has sold the debt associated with my account to this collection agency for an undisclosed amount and the debt collector is now trying to solicit payment on a debt that, except for the {$85.00}, has already been, or should have been, satisfied. In resolution of the double dipping attempt by this collection agency I would like full forgiveness of the debt by both the collection agency and XXXX XXXX along with updated credit reported data provided to all credit reporting agencies. I would also like this CFPB complaint to be sent to the appropriate State and federal regulatory agencies for a thorough and complete investigation to determine if this practice and type of behavior by the companies involved is the norm as a matter of ordinary business practices including, but not limited to, the XXXX XXXX XXXX XXXX ( XXXX  ).
Consumer complaint received 2022-08-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DE)

My name is XXXX XXXX. I sent dispute letters out more than XXXX days ago and have not received any credit report updates, nor have I seen any changes to my report. I believe the information on the account with " XXXX XXXX '' to be incorrect. 

Account # : XXXX
Consumer complaint received 2020-10-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC. (TX)

Ally financial has repeatedly contacted my cell number even tthough I contacted them and demanded they stop calling, they continue to call my cell number. 
Each time I called to demand they stop calling I was rudely treated being laughed at and hung up on.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I have disputed several times to show that I paid off XXXX account. The credit bureaus are not validating it properly even after I provided documents to show that my account is paid off.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (WA)

I had a lease from Kia motors finance and my monthly payments were {$250.00}. I made automatic monthly payments of {$270.00} every month on the XXXX of each month. On XX/XX/XXXX, the last month of the lease, I called and had the lease extended into a month to month agreement. During the call I was required to make another payment in the amount of {$250.00}. After making the payment, two days later I received an email saying I was late on the payments. I called Kia finance, they corrected the amount and said they would clear up any credit report issues. Following that, on XX/XX/XXXX I received a monthly statement saying I was past due {$1700.00} even though I had never missed a payment. Again I called and they corrected it in their system. My statement in XXXX showed a normal balance due of {$250.00} for XX/XX/XXXX. I then sold the vehicle before that date. 

All of this occurred in XXXX. Up until this, I had good credit reporting of the lease payments. After this incident, Kia changed my credit reporting for months in XXXX to showing I was late on payments even though I have statements showing {$0.00} due every month of XXXX.
Consumer complaint received 2020-10-22
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)

HELLO, MY NAME IS XXXX XXXX AMD I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY ID AND SOCIAL AND LATER USED MY PERSOANL INFORMATION TO FRAUDULENTLY OPEN ACCOUNTS IN MY NAME.
Consumer complaint received 2020-10-22
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: GOLDMAN SACHS BANK USA (IL)

In XXXX I used my Apple Card to buy an XXXX. I had to cancel because I wanted to update the specs and ever since then I've been having problems. The card will not let me pay off the balance shown in my digital wallet. They say there is some thing pending but no one can find it and it's been almost XXXX weeks and I haven't heard anything. If I call Apple Card they say my balance is XXXX with {$170.00} pending, that pending has been around since XXXX. Can you please help this is so frustrating. No one had an answer.
Consumer complaint received 2020-10-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: 3rd Generation, Inc. (CA)

California auto finance has tried to scam me from the beginning. From the first payment they lied about fees I didnt own called me a liar and my fianc a liar. Gave my fianc all the information from my loan when he is not on my loan. They have gotten into arguments with my insurance company because they where trying to charge me for not having insurance when I did and tried to charge me for it still with proof. I spoke with them letting them know that due to COVID-19 I was struggling to pay but that I would have payment. I always pay. They call my cell between 3-6 times a day sometimes with multiple text saying I owe them. They call me even when I give them a date that I will have payment. They call my job multiple times a day call my coworkers liars and pretend to be sibling. My coworker cried once from the lady stressing her out too because of how many times she called in one day. My coworker said she kept calling her a liar. ( I was not in the office at the time ) they leave me threatening voicemails like Im going to come to your job today which sounds very threatening to me. I am so overwhelmed by these people I have had mental breakdowns and I have been having trouble sleeping and this has really effects my job performance. This has honestly been the worst experience I have ever had. I went from promotion talk to my general manager questioning my performance. I need help! I cant even talk to them anymore in fear they are going to threaten me and ask for more money. I have proof of all of this and i do t know what to do anymore. My payment was only a few weeks late and paid for now.
Consumer complaint received 2021-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CO)

Between XX/XX/2021 through XX/XX/2021, there were several charges at various gas stations, shopping centers and online purchases made without my knowledge and/or permission. My child, whom is now age XXXX took advantage of these " emergency accounts '' while being in remote learning and while I was XXXX ill. I was advised by Wells Fargo on and/or about XX/XX/2021 to go to a Wells Fargo bank by a claims specialist named " XXXX '' to go and show them my state identification card because my claim was placed on hold until " they could verify that I was not being taken advantage of ''. I did so the very next day as requested because I was not familiar with claims being put on hold, but it was extremely hard trying to speak with XXXX as she made me feel as though I was suddenly a liar. She also advised that I could file a police report which was disheartening because if I had, charges would be brought against my child whom is a XXXX male and has his whole life ahead of him. 

This claim was closed on XX/XX/2021 with no investigatory documents being provided to me on how they came by their decision. I've since opened up two additional claims on and/or about XX/XX/2021. 

I wrote to the Wells Fargo board on and/or about XX/XX/2021 a complaint that cited law regarding authorized purchases and their banking commitment and within two days, I was contacted by an executive claims specialist that would help me find out why the claim was closed, but I was not provided with the documents used to prove the purchases were authorized by me. 

I will admit that he was wrong for taking advantage of our family; buying gifts for young ladies, goodies and God knows what else at the gas stations, but the fact is I did not give him permission to do so. My son is XXXX XXXX with an XXXX and remote learning for all XXXX of my children did take an emotional toll on all of us. 

It seems outside of any claims specialist to suggest I file a report on an individual within my household that was not authorized to make purchases. 

I recognize liability after 60 days, however I do not recognize and can not find where Wells Fargo has the permission to advise and/or suggest potential criminal charges. I'm sure no claim will be approved, but we are talking about thousands of dollars in which I have to accept despite my knowing no reasonable effort was made to investigate and the claim was closed prematurely.
Consumer complaint received 2021-01-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (TX)

On or about XXXX ( Xoom transaction # XXXX ) I attempted to send money and the transaction was to be immediate. My bank account was debited XXXX USD. 
The transaction then was reported to be on hold and a delay was imposed. 
On or about XXXX I contacted Xoom and was told the transaction was to be delayed further, I then canceled the transaction and I was told I would be refunded three days after the funds XXXX was received. This was odd since my bank was electronically debited XXXX on XXXX. 
On or about XXXX I received the inclosed email stating a refund was initiated and will take three business days. 
Today on or about XXXX I called Xoom and was told that XXXX has not been received and it will be refunded three days after receipt of the funds.

Prior to this transaction Xoom has kept funds from the below transaction. 

On XXXX my bank account was debited XXXX and money was sent on Xoom transaction # XXXX, it was canceled on XXXX. 
I contacted Xoom and was told the money was deposited in my bank account. 
I have not seen a credit to my account todate.
Consumer complaint received 2022-08-22
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 the following accounts have violated my rights : 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 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 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 2017-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CO)

My second mortgage was charged off and is outside the statue of limitations for collection in the state of Colorado. I am XXXX and have applied for a revers mortgage. I found out that the loan was sold to Ditech and they are now demanding that I pay the charged off debt. I want to lien removed per the XXXX laws.
Consumer complaint received 2020-10-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TX)

On XX/XX/XXXX, I checked my monthly credit report statement noting the following : Credit Alert Derogatory Account Reported By I.c.  System, Inc Reported On XX/XX/XXXX Account Balance : {$100.00} Account # - XXXX XXXX XXXX - Ticket # - XXXX ; XXXX I called I.c. System, Inc. to inquire about the charge and was told that it was related to XXXX XXXX. They claimed it was related to an account that was closed in XXXX. At no time have I been made aware of the debt. I was never given a chance to dispute it. I have returned every equipment I ever collected from XXXX XXXX. This company has a pattern of misplacing returned equipment and coercing former customers into making payments. I have made multiple attempts to contact XXXX XXXX and have been promised a call back, all to no avail. I would like this unsubstantiated charge removed from my credit report. 

I'd greatly appreciate your help.
Consumer complaint received 2020-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (CA)

This account was opened without my consent. I recently found out because I had my lender run my credit for a home loan. I filed a police report and submitted this to the creditor and the credit bureaus and they all still refuse to remove this from my credit. I have been fighting this account to be removed from my credit for months now and even with my police report as evidence of this account being fraud they refuse to remove this which is hurting my credit immensely!