davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-04
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. (TX)

I have disputed the inaccurate reporting on account ( XXXX XXXX XXXX, Account # XXXX ) with TransUnion numerous times over the last two years and each time TransUnion sends me a notice stating that they have either verified that the account is reporting accurately or that the account has been updated. TransUnion has not provided me with the specific process of how their investigations were conducted, including but not limited to who was the contact person with whom they spoke to when the creditor was contacted. I received no information other than that TransUnion verified the accuracy of the account and/or that the account was updated. Below is a list of disputed inaccuracies on the account : Incorrect balance Missing information Status or any other field blank Status incorrect Account number inaccurate Account type inaccurate Date of last activity incorrect Date of last update incorrect Date reported inaccurate
Consumer complaint received 2022-08-20
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: 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. 

The companies listed below 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. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Amount {$300.00} Balance date Account designator code Individual account Account number XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX  Date opened XX/XX/XXXX Amount {$560.00} Account designator code Individual account Account number XXXX XXXX  XXXX. XXXX XXXX Date opened XX/XX/XXXX Amount {$590.00} Balance date XX/XX/XXXX Account designator code Individual account Account number xxxxxx XXXX XXXX. XXXXXXXX XXXX  Date opened XX/XX/XXXX Amount {$620.00} Status date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX
Consumer complaint received 2022-04-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (MD)

About : RPM - Receivables Performance Management LLC XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, WA XXXX T : ( XXXX ) XXXX On XX/XX/XXXX, I received a telephone call from the above referenced company. During that conversation, I informed them that I do not owe {$2400.00} to anyone. As I was trying to get clarifications and proof from them, all they kept repeating throughout the conversation was that I pay all my debts in time, and that my credit history is very good. I stopped the conversation by asking them to mail proving documentation to me, and also to stop all other communication with me, with my address, and to record that I dispute having any obligation for that debt. They kept calling repeatedly for months on end, and never provided any of the documentation that I had asked for during that telephone conversation. They started sending me invoices to settle the debt in lower amounts. Then to my surprise, on XX/XX/XXXX, I received a notification from a credit bureau that this company had made the debt of {$2400.00} public. On XX/XX/XXXX, I sent them a letter which copy I am providing here.
Consumer complaint received 2021-05-27
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. (NC)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I 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. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NY)

The facts : Wells Fargo Bank ( WFB ) repeatedly approached me with mail invitations to open business account during the summer of 2022.

As an incentive, they also included a bonus of {$1200.00} if certain conditions are met.

See attached Exhibit 1. 
I responded to this offer and opened account on XX/XX/2022. 
See attached Exhibit 2. 
On XX/XX/2022 I got an email that the account will be closed. 
See attached Exhibit 3. 
I called the number from this email trying to find out what happened. The rep from security department took over the call, was very cold and just repeated that it will be closed for security reasons. The account contained only {$25.00} at that point. 
I visited the branch again on XX/XX/2022 and talked to the manager, XXXX XXXX. 
He himself was baffled, called the central office, but didnt get any explanation. 
He told me he will file a complaint on my behalf. 
I got several calls from central office in response to this complaint. One of them was XXXX at XXXX on XX/XX/2022. None of these reps was able to give any explanation, just repeated the same legend of original email. ( Exhibit XXXX ). 

My complaint : I believe that WFB is not acting in good faith and trying to avoid paying the bonus promised in the promotion. I didnt ask for their business, they asked for mine.

That is one. 
Secondly, I followed the promotion rules in good faith, and spent my time to make appointment, come to the branch, open an account, and fund it. All this took more then 3 hours of my time.

Third, the bank subjected me to emotional stress and humiliation of closing my account without any explanation. I didnt do anything wrong, so why am I punished?

Forth, Im claiming my bonus. WFB has to be good on its promises.
Consumer complaint received 2021-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Adjustment Bureau, Inc. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against FINANCIAL ADJUSTMENT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2020-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XXXX, I applied for the HSBC Premier Checking account via https : //www.us.hsbc.com/checking-accounts/campaigns/premier-offer/. You can see what the offer looked like then here : https : XXXX : //www.us.hsbc.com/checking-accounts/campaigns/premier-offer/. I was directed there after hearing about the deal on https : XXXX, which again also says you must go through that link. There is no reason why I would purposefully deprive myself of the bonus by applying through a different link, and the pursuit of the bonus was the sole reason that I opened through that link. I have contacted HSBC on XXXX and gotten case ID XXXX, on XX/XX/XXXX and gotten case ID XXXX, on XX/XX/XXXX and gotten complaint ID XXXX, and multiple times since. Every time they said that I didn't go through the proper link. HSBC has a well-documented history of claiming that you didn't go through the proper landing link : https : XXXX # XXXX
Consumer complaint received 2021-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OH)

On XX/XX/XXXX my bill for account SYNCB/WALMART ( XXXX XXXX. XXXX, XXXX ) did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2021-02-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

During a fha refinance, the loan officer asked us to remove auto pay and not pay mortgage, due to his certainty that payoff would be in XXXX. XX/XX/XXXX the loan officer said to pay XXXX. Payment was made from alternative checking account XX/XX/XXXX. Money was in savings, though. The payment was returned for non sufficient funds. 
XX/XX/XXXX an email was received from amerihome stating payment received. Later that day an email was received saying payment applied. I understood as cleared. XX/XX/XXXX and XX/XX/XXXX calls were made to amerihome asking why we were on a covid forebearance that we did not ask for. At no time did I receive any info about XXXXunds  from amerihome. XX/XX/XXXX late night, I noticed money was still in acct. I called amerihome XXXX XX/XX/XXXX to ask what was going on, They said I was on a forebearance again. I immediately paid again and followed up later. I said that the covid forebearance they inappropriately put me on has made the process too confusing and that I asked it not be reported as a 30 day late. They refused. I tried again, they refused. XX/XX/XXXX I recieved an email saying again I was in covid forebearance and that payments would be stopped. I called and asked again what was happening. This was a good time to inform me of the XXXX and explain what was happening. Their miscommunication and automatic covid forebearance enrollment when you call them is the cause of the 30day late payment. I believe this was unfair and unreasonable.
Consumer complaint received 2022-04-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: EQUIFAX, INC. (TX)

Equifax for years not still have XXXX on my credit file as a repo and I have never had any repossessed vehicles! I have been going over this for many years for them to take this account and many others off of my credit file I will now have to file suit Their are several XXXX banks accounts also still there that I have reported as fraud as well over a year ago and I sent in paperwork from the company stating for all bureaus to remove the accounts from my file and all bureaus did it except Equifax
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX, XXXX Wrong Addresses : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, GA XX/XX/XXXX
Consumer complaint received 2021-02-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

This is the 4th attempt I am making to recover my wire transfer that was done on XX/XX/XXXX, for {$37000.00} to XXXX XXXX to Capital One Bank, Members Account number : XXXX from my bank XXXX XXXX XXXX XXXX. Capital One bank did not deposit the money into XXXX account. I was told that the customer does not exist no more. I now believe Capital One does not want to return my money. 
Please refer to complaint : 1. XXXX 2. XXXX 3. XXXX My bank XXXX tried to reach the XXXX  on this letter and so do I. No one picks up the phone. XXXX XXXX the data to CFPB tracking Number XXXX that you have received it on XXXX XX/XX/XXXX. 

In the 3rd reply from Capital One bank, they have asked the XXXX letter in a certain format that XXXX has provided it two different times. I am requesting Capital One should give me one person that I can deal with the issues to come to a solution. 

I also need a functioning number that my bank and I can talk to. 
Please see all attached documents.
Consumer complaint received 2021-10-27
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. (TX)

I have a complaint requesting my BK XXXX XXXX reporting on Experian and BK XXXX XXXX reporting to all 3 EX, XXXX and XXXX  be removed because it is reporting inaccurately and unverifiable. 
I have submitted request per these dates and received a VERIFIED as ACCURATE each time per XXXX XXXX. 

XX/XX/XXXX disputed inaccurate reporting of BK ( verified as accurate ) XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX deleted by XXXX XXXX and placed back onto credit report same day ( now appears twice ) same identical BK XXXX XXXX XXXX sent me my 202 page report showing in Section 9 under Bankrupcty that nothing is there. I have attached this document as well.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

This complaint is to describe an issue with the company Equifax and it's online account service MyEquifax regarding a credit freeze. The original credit freeze on my report/account was placed in XXXX. Around XX/XX/XXXX I placed an online request with Equifax to have a TEMPORARY freeze from XXXX XXXX, XXXX to XXXX XXXX, XXXX. It is now XX/XX/XXXX and when I logged on, I discovered via my account that the freeze had not been reinstated and the date of expiration viewed on my account was XX/XX/XXXX. This is 4 months past the requested expiration of the temporary lift. I verified the information by going to the " Freeze '' tab on my account which stated there was no active freeze. In attempting a subsequent temporary freeze, the online account stated that a lift was already in place and prompted me to change the dates to replace the previous lift. 
It is my contention that there was no freeze placed on my account from XXXX XXXX, XXXX to XX/XX/XXXX. The representative I spoke with could not explain the discrepancy in dates nor the lack of coverage and I am forwarding this information to CFPB in order to have the issue formally presented to the company to be investigated and resolved. Thank you! XXXX
Consumer complaint received 2022-08-04
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. (TX)

Equifax XXXX XXXXXXXX XXXX  I REQUEST that you EQUIFAX VALIDATE { not verify } this account XXXX XXXX XXXX  XXXX you supplied on your consumer report PLEASE enclose the following { 1 } Who you Spoke to, what was said in { all detail both parties associates you spoke to what was said by both parties their contact information the time date you contacted these people any co-workers you may have contacted and talked to both side of conversation, the original owner contact information and address you Equifax verified this account on your credit report you sent me. verified means make sure or demonstrate that { something is true or justified LAW swear to or support { a statement by affidavit } VALIDATION MEANING the action of checking or proving the validity or accuracy of something CFPB I have the right to this information past due on this account is a violation of the FCRA
Consumer complaint received 2021-03-25
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. (IL)

OnXX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress youve caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-05-14
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: PNC Bank N.A. (MD)

My bank account was Hack on XX/XX/XXXX or XXXX they drain my account, plus they took out loans, and credit card avance, on my credit card. we went to the Branch office to straight it out, they said that eveything looks good I got my money back, But on my credit report they say I still own XXXX dollars. I did not open a loan account you can look and see that I didn't sign any kind of loan papers. we do not deal with PNC anymore our accounts are closed
Consumer complaint received 2021-10-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (AZ)

XXXX, XXXX, XXXX XXXX had a male whom identified himself as the XXXX County Police call me to say I'd be served in court for a 20 year old credit card debt that was charged off. They call to harass and threaten me, and I have requested they discontinue calling me.
Consumer complaint received 2022-07-18
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 2022-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was contacted by Bank Of America 's fraud department that there were a series of transactions ( 3 ) that were suspicious. I was contacted very early in the morning and at that time, I stated that I did not make those charges ; however, I was not aware at that time and found out later that someone had broken into my car and stole my briefcase with the card inside. Since more than 60 days had gone by without being asked for additional information, I thought since Reg E gave the financial institution a limited time to investigate and respond that the claim had been finalized. Except that I got a call from BofA 60 days after and the agent said that since I had stated initially that I did have the card in my possession, the claim was going to be declined as the chip was present. But before I could explain to the agent, that I had later found out that someone had broken into my car, the call was conveniently disconnected. I immediately called back and after XXXX15 mins on hold, I was told that my claim was going to be declined anyway. The fraudulent transactions as expected was a gas station charge and XXXX XXXX XXXX XXXX both for {$95.00}. The subsequent transaction at XXXX was declined by BofA. The presentative to whom I was finally able to talk to said I should have filed a police report. I said I would have if that was a requirement and she said, " no but I always suggest people to do that ''. 

For the rest of the public that sees this complaint, this is not the first time that I filed a dispute and then was declined. Bank of America has a " practice '' of making it literally impossible to provide information they request during their investigation. This is done by making it impossible to call back and get a hold of someone by placing you on hold for hours or by the representatives in their fraud dept. that leave you a message to call them back, do not answer and their voice mail boxes are full so you are not able to provide the information they are requesting to aid your claim and, therefore, you then get denied by claiming you didn't provide the information requested. This Practice fits a pattern of being Deceptive, Abusive and discriminatory at every level