davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-31
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

On XX/XX/2022, I XXXX XXXX went to XXXXXXXX XXXX XXXX XXXX to open a savings & checking account. I was told the requirements to open an account was {$500.00} minimum deposit. I told the banking representative that I had just moved to XXXX, IL and I was having my employer direct deposit my work pay into another bank account and that I did not have the complete {$500.00} at the time of opening the bank account with XXXXXXXX XXXX XXXXXXXX XXXX. The banking representative told me that it would fine and that all I need to do is present a check from the other bank for {$500.00} and by the time the XXXX XXXX XXXXXXXX XXXX completes opening my account ( some days ) it will give my direct deposit enough time to clear in my other bank. However that is not what XXXX XXXX XXXX  XXXX did, instead they took my check and tried to cash it that same day. When my other bank got the notification for the check they called me and I had to call XXXXXXXX XXXX XXXX XXXXXXXX and ask them why they did that when they specifically told me they would not be trying to cash this check until some days have passed while they are doing their review. After speaking to the XXXXXXXX XXXX XXXX XXXXXXXX banker who opened my account I decided that I no longer wanted to continue opening an account with XXXXXXXX XXXX XXXX XXXXXXXX and I told the banker and also asked her to cancel my application with them. She apologized and told me that they can fix the situation but I said no its fine I do not want an account with them anymore especially if they were not complete honest in telling me how their opening account procedures worked. After telling the banker at XXXX XXXX XXXX  XXXX to close my account and any other files they have on me the banker told me she will do that. However some months later I found out that XXXXXXXX XXXX XXXX XXXXXXXX had put a notification on my name in Chexsystems stating that I had committed bank fraud. I called XXXXXXXX XXXX XXXX XXXXXXXX to get an understanding of why they did this and no one has yet to call me back. Since that day XXXXXXXX XXXX XXXX  XXXX has also placed multiple inquires on my Chexsystems profile. I need help please.
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Commonwealth Financial Systems, Inc. (FL)

Commonwealth financial Systems debt amount is XXXX account # XXXX opened on XX/XX/XXXX and XXXX XXXXy amount XXXX the account number # XXXX this was opened in XX/XX/XXXX
Consumer complaint received 2022-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX XXXX, l initiated a dispute with TransUnion about XXXX XXXX XXXX XXXXXXXX XXXX XXXX address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX about reporting inaccurate information on my credit report by this credit card company. This account was open on XX/XX/18 closed and charged off and sold to third party collection agency or debt buyer. After TransUnion investigation, their finding was this account was verified as accurate but sold but no other party listed to who it was sold too .and it is not accurate. TransUnion updated credit report send to me stating that XXXX  XXXX XXXX  verified this account info as true not inaccurate information. But they are not telling the truth because this account was paid in full after it was charged off to third party collection agency. I have written XXXX  XXXX XXXX  several certified letters asking them to send me and all three credit bureaus who the account was sold to like name of collection agency and their contact info.XXXX  XXXX  XXXX  never responded back to me but supposedly responded back to credit bureaus. The credit report has another collection agency listed credit report but when l called this collection agency they told me it was transferred to another collection agency after a few calls l finally found who account transfer to them and l paid them in full. That collection agency agreed to pay for deletion and l paid them. They provide me with a pay for deletion letter to send to credit bureaus and the credit bureau refuse to delete this account because they said, XXXX  XXXX XXXX  has to send them updated info like who owns or who this account was transferred to. I been working and waiting on this new info or update for two years now But every time l send in dispute credit bureau saying this info is verified and accurate because it is not accurate because they are saying it is sold but to whom it say it not listed or given in comment area of my credit report.
Consumer complaint received 2022-12-31
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: Experian Information Solutions Inc. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2016-02-17
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Forthright Funding Corporation (CO)

First I received mailings from these people saying they would get me a 30 year mortgage at a rate of 3.25 % and skip XXXX mortgage payments, no out of pocket costs and my new payment would be {$1000.00}. Upon calling XXXX XXXX told me the best he could get me without out of pocket costs would be 3.75 %. and my monthly payments would be {$1600.00}. Also a return of my current escrow balance. As you can see this is nowhere near what was sent to me in the mailing. He called me back several times trying to sell me on this. I told him I wanted to see it in writing and I know that is required to be sent after 3 days of receiving a quote which is what was done over the phone. This was XX/XX/XXXX that I requested this. The last conversation with XXXX he got real rude with me to the point when I told him I wanted to see it in writing that I hung up as this is poor business practice. He told me sending me a quote was a waist of his time. I told him it was required by law.
Consumer complaint received 2022-12-31
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UHG, LLC (MD)

UHG claims I owe them money and I have NEVER went into a contract with them. They are a bulk debt buyer and along with 3 other companies have claimed that I owe them money. I have sent them a cease and desist letter along with multiple debt validation letters. They refuse to send me an original contract. They have claimed to serve my father on XX/XX/XXXX however my father passed away XX/XX/XXXX. They have harassed my family and I multiple times. I have contacted XXXX XXXX XXXX XXXX ( the original creditor ) and they state that I don't owe them money either because my account has a {$0.00} balance. I have contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. According to 12 CFR 1022 subpart E, I am challenging the accuracy and integrity of the information.
Consumer complaint received 2022-12-31
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-12-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/2022 I received the following emails from Bank of America : XXXX Verify your email address XXXX Online application in process XXXX Your application was approved XXXX Welcome to Online and Mobile banking XXXX Your email address was updated I noticed these emails at approximately XXXX ( an hour after they had been sent ). I do have an account with Bank of America, but did not attempt to open a new account. I immediately called Bank of America and they did see a new account was opened using my social security number. They froze the account and will be closing it. I believe I was only notified about this because I have an account there already, so someone pretending to be me would automatically have their confirmation emails sent directly to me instead of a new address.
Consumer complaint received 2022-12-31
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: Experian Information Solutions Inc. (CA)

I have called Experian to remove inaccurate inquiries in my account over XXXX times in XXXX these Inquiries are unauthorized, illegal, and fraudulent, and are blocking me from obtaining personal and business credits and loans. 

XXXX XX/XX/2022 XXXX XX/XX/2022 2022
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (CA)

Genisis FEB Retail sold account to another agency ( XXXX XXXX ). The account was paid off. Payment received by the company XXXX XXXX. Genisis FEB will not delete account and they dont even own the account anymore. I need this paid account deleted because it is damaging my credit.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (PA)

I have an account with XXXX  rewards though Comenity Capital Bank. They have recently stopped reporting on time payments and credit balances since XXXX of 2022. I have since then, reduced my credit balance immensely but because they have not updated the balance, My credit is being greatly affected by this and My score continues to drop because of the fact that my percentage of credit used remains high. My percentage should be 2/3rds less than than what it currently states. This has affected my ability to apply for life changing loans when I have desperately needed it this year and this company needs held accountable because this is no fault of my own.
Consumer complaint received 2022-12-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Consuegra & Duffy, P.L.L.C. (FL)

Consuegra and Duffy P.L.L.C is in violation of my federally protected consumer rights according to 15 usc 1692e ( 3 ) a debt collector, in collecting a debt, ( Which Consuegra and Duffy P.L.L.C is trying to collect an alleged debt ) may not use any false, deceptive or misleading represent or imply that he or she is an attorney or that communication is from an attorney. 

Further, as per judgement made in the case of XXXX XXXX XXXX XXXX XXXX XXXX, the provisions of the Fair Debt Collection Practices Act applies to attorneys who " regularly '' engage in consumer- debt collection activity, even when that activity consists of litigation. Thereof, as per judgement mentioned herein, your firm is liable as a debt collector.
Consumer complaint received 2017-01-02
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: NCB Management Services Inc. (VA)

I borrowed {$1500.00} from XXXX ( an online payday loan company ) and they deducted {$360.00} from my checking account ( account statements enclosed ). However, now another company called Management Services Incorporated has put the loan in collections on behalf of XXXX. for the full amount. They have not credited any of the money that I paid them and payday loans/lines of credit are illegal in Virginia. I did, however, write them a letter, forcing them to refrain from deducting the money from my checking account XX/XX/XXXX ( this has also been enclosed with this complaint ). They have also listed this as a debt that is in collections on my credit report, which is of course having a negative impact on my credit. I am not reneging on paying the loan back, I just know that since this is illegal, this needs to be removed from my credit reports on all XXXX bureaus immediately. Please advise.
Consumer complaint received 2022-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

There were several XXXX XXXX XXXX XXXX transactions from XX/XX/XXXX to XX/XX/XXXX that were unauthorized, i spoke to several agents, and given a guarantee my funds would be back in my account within XXXX hours. i have not seen those funds and this is for claim number XXXX, there was also a {$20.00} XXXX XXXX claim, that i got scammed with, and my financial institution with words of " XXXX liability if unauthorized or fraud '' is not giving me my money back, and i want a report on them, because i need this money back for bills, they can take it quickly, but they cant give it back quickly? please have Wells Fargo return my funds to me promptly!!!! i will not wait XXXX  days for this when i was promised and spoke to multiple supervisors and account managers that said i would have this back within XXXX hours of filing! i am ready to get a lawyer for this one! if need be!
Consumer complaint received 2022-12-31
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-06-24
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY (AK)

In XXXX of 2014, I applied for a secured credit card with Wells Fargo ; I was required to deposit {$5000.00} with Wells Fargo in order to obtain the card ; the bank employee told me that they would hold my {$5000.00} for 1 year after which they would return it to me. Wells Fargo still has my {$5000.00} after I recently decided to cancel their credit card and they now state that they will not return my money for at least 2 months! 
I received a letter from them regarding " closure of your credit card '' with absolutely no mention of my {$5000.00} security fund. It no longer appears on my online summary either. HAD I KNOWN THAT THEY WOULD NOT RETURN MY MONEY TO ME AFTER CLOSURE OF THE ACCOUNT AS THEY HAD PROMISED, I NEVER WOULD HAVE ACCEPTED THEIR CREDIT CARD. WHY ARE THEY HOLDING MY MONEY WITHOUT ANY NOTATION OF IT ANYWHERE THAT I CAN SEE???
Consumer complaint received 2022-12-31
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. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-12-31
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. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX  XXXX XXXX ( Late Payment On XX/XX/XXXX - Closed & Paid Off - Reports To Experian, Letter Sent To XXXX XXXX XXXX to Remove Late Payment - Inaccurately & Inconsistent ) XXXX XXXX XXXX XXXX XXXX ( Late Payments XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Reports To XXXX, Experian - Inaccurately & Inconsistent ) XXXX XXXX XXXX - {$2100.00} ( Reports To XXXX, Experian XXXX Inaccurately & Inconsistent ) XXXX XXXX XXXX- {$3500.00} ( Reports To XXXX, XXXX, Experian XXXX Inaccurately & Inconsistent XXXX XXXX XXXX XXXX - {$460.00} ( Reports To XXXX, XXXX, Experian XXXX Inaccurately & Inconsistent ) 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-31
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-12-31
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-12-31
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.