davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (TX)

Card was compromised by fraud on XX/XX/year>. 
I do not accept text notifications ; thus a fraud notification was not sent.

Card was locked shortly after the fraud.

I called the toll-free number listed on the back of the card. 
I was unable to access the IVR because the card was locked ; I was auto-transferred to the fraud dept. IVR.

The fraud dept. IVR would not verify me and would not allow me to request a representative for help.

The fraud dept. IVR eventually timed out with the message to dial ( the same number ). 

I was only able to speak with a Credit Card rep by begging my Credit Union to use their direct line and conference me into the call.

The fraud was resolved, but there is no acknowledgement that the system has a flaw. And they are not taking any action to resolve and ensure I can speak directly to them when/if there is fraud on my card.
Consumer complaint received 2024-12-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (VA)

I could not login to my USBank online account. When called I was told USBank terminated our relationship due to Efraud and thats all that could be said. Beforehand 2weeks prior I had opened a checking account with USBank since I have a credit card with them.

Now no word on where my funds are from the checking account.
Consumer complaint received 2024-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (LA)

Credit Acceptance Corporation is obligated by the fcra to report accurate accounting, consumer has advised that this inaccurate report be removed because it has never been re-investigated per XXXX am now requesting documentation on who did the investigation, recording of the call, accounting according to XXXX, both private and public, a copy of my truth bill of Sale for my retail sales contract showing all financial obligation, XXXX Credit Acceptance Corporation does not have documents to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. Credit Acceptance Corporation XXXX file XXXX ; 17 CFR 230.425 ; 17 CFR 240.14a-12 ; 17 CFR 240.14d -2b ; 17 CFR 240.13e-4c XXXX : XXXX ; CIK # : XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX i am also requesting XXXX XXXX XXXX be paid back on this account and this account be XXXX out. i will be filing treasury form XXXX to audit consumers account. Credit Acceptance Corporation is securitizing consumers data yet refuse to provide consumer a copy of their XXXX XXXX Not XXXX report.
Consumer complaint received 2022-07-01
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)

I keep getting denied credit and loans, because of the false and misleading information that is being reporting by the 3 credit bureaus. I start writing and disputing these items online and through the mail since XX/XX/XXXX. While studying my right under the CFPB, I learned that the 3 bureaus pursuant to the federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. I sent each bureau the same letters, requesting my file. They were discrepancies across the board, a lot of inaccuracies with my name, addresses, creditors, balances, and utilizations. After receiving numerous adverse action reports, they all kept repeating the same information. So, I started auditing and disputing the Accuracy, Fairness, incomplete, and privacy on my credit report. XXXX and TransUnion compiled to my demands and either deleted or changed the adverse marks to the favorable marks that they were supposed to be. The only one that is not following is XXXX, they keep sending correspondence in the mail. Saying that they did an investigation, and everything is right and updated. 

I have written XXXX and they received my letters on XX/XX/XXXX, and XX/XX/XXXX. I've requested that XXXX provide the evidence of the investigation and reinvestigation. To provide Who they called, who they spoke to, names, addresses, and times. I told XXXX in my letters that no one in my family never got a phone call, I, personally never got a phone call. I asked my next-door neighbors, and they were never contacted, so I would like to know who they did the investigation with? Times are hard and I've been denied numerous times this week for loans that would help me and my elderly parents with food, healthcare, and gas to get them around to their appointments. this has brought on a lot of stress, bitterness between me and my spouse and lack of confidence in the government. I have requested the follow from all 3 bureaus and XXXX Is the only bureaus that has not complied. 

Inquires deletions - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX - XXXX XX/XX/XXXX- XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX Utilization to 3 % - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXXXXXX - XXXX XXXX XXXX LATE PAYMENTS/COLLECTIONS DELETED - XXXX XXXX XXXXXXXX XXXX, XXXX - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Upgrade, Inc. (MN)

Today ( XX/XX/2022 ) I applied for an Upgrade XXXX Credit Card from XXXX site. I was taken to Upgrade.com to complete the information for the credit card. After reviewing the information, I was not sure if this was a loan or a line of credit. I called at XXXX XXXX  XXXX to try to get more information on the terms and conditions. After reading the terms and conditions, I clicked the button to approve the application, however, Upgrade requires further information such as Tax Information and Bank Statements. This information is not readily available to the consumer before making an informed decision. 

Furthermore, I discovered the entire adversement on the XXXX website is false advertising, misleading and time-consuming. This is not a XXXX Credit Card and they do not report to XXXX XXXX XXXX or any of the major XXXX XXXX companies. The representative agreed Upgrade Credit Card is not a business credit card nor reports to business reporting agencies. She will submit to Product Escalation to look into XXXX site. I was advised that this information provided on their site is incorrect, will get escalated, and my application will be rectified. There is no known processing time for this request per the representative. The representative disconnected the line without providing adequate information for what to do next. After a 52 minute and 4 sec call, they never called back!
Consumer complaint received 2024-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-07-01
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # 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. 
The following Account ( s ) : Account # XXXX Original Debt Collector XXXX XXXX XXXX Debt Collector : XXXX XXXX XXXX Amount : {$1300.00}
Consumer complaint received 2024-12-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I was informed by my identity alerts that a new Checking Account was opened at Wells Fargo. I immediately reached out to Wells Fargo who verified that an account had been opened in my name. I informed them that this was fraud and requested that the account be closed immediately. 

On XX/XX/XXXX, Wells Fargo sent a terse reply that I bore no financial responsibility for the account and that they would remove any information related to the account. 

However, Wells Fargo DID NOT provide the my personal information that they gathered when the fraudulent account was opened. 

Note that the opening of the checking account was not recorded by any of the credit bureaus and thus would not have been blocked by my credit freezes on these accounts as, it seems, that checking accounts are not subject to credit checks.
Consumer complaint received 2022-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX  XXXX Acct # 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 1666b A Creditor May not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Consumer complaint received 2022-12-01
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. (NV)

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report XXXX as Company Info : XXXX XXXX XXXX Account No - XXXX XXXX. Amount Owed {$200.00} XXXX. Placed in Collections XX/XX/XXXX XXXX. Last Verified Date XX/XX/XXXX I do not recognize this company and the information. No XXXX performed. I requested all Credit companies to delete this collections company information. But this information never deleted. 

In Accordance with the Fair Credit Report Act this company violated my rights.

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

A fraudulent credit card was opened in my name in XXXX of XXXX with XXXX XXXX  account number : XXXX. I had no choice than to settle this account with XXXX XXXX  XXXX XXXX XXXX XXXX in XX/XX/XXXX because I was applying for a mortgage and this fraudulent account was affecting me from getting a mortgage. I never opened any account nor received any service from XXXX XXXX. My identity was stolen to open this account. I filed a police report along with an identity theft report. Submitted both reports to the credit reporting agencies and they failed to remove this fraudulent charge-off account from my credit report. I also sent a certified letter to XXXX XXXX  requesting a debt validation and still havent received a response. Attached is proof that Ive made several attempts to get this fraudulent charge-off account removed from my credit report. I never authorized this account, please remove from my credit report immediately.
Consumer complaint received 2024-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) and to highlight specific inaccuracies in how BRANDSOURCE/MACYS has reported my account to the credit bureaus XXXX, XXXX, and XXXX. I am combining the reports on these 2 companies because they addressed me in 1 letter of correspondence, claiming the 2 accounts were being addressed simultaneously. Their actions breach FCRA sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require accurate reporting of information and reasonable investigation of disputes. I previously contacted the creditor in regards to my account, once I noticed it was being reported as late. They had out-dated bank account information, which I had previously attempted to update, to no avail. When I explained this to the representative, they expressed that since the mistake was through no fault of my own, they would remove the negative information they were reporting to my account so long as I caught up on the missed payments, which I did. Moreover, the account status was not updated to reflect the payment accurately, as required under FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates that information provided to credit bureaus be accurate and truthful. BRANDSOURCE/MACYS has also reported inconsistent and inaccurate information to XXXX, XXXX and XXXX regarding this account. Specifically, the payment status shows as " Paid as Agreed '' on both XXXX and XXXX, while XXXX reports " Late 150 Days ''. The date of last payment is reported as XX/XX/year> on both XXXX and XXXX, while XXXX reports a date of XX/XX/year>, and all 3 credit bureaus are reporting different remarks under " comments ''. Despite multiple disputes, all XXXX credit bureaus continue to report this inaccurate information, indicating BRANDSOURCE/MACYS has failed to fulfill its obligations under FCRA Section 623 ( b ), which requires a reasonable investigation of disputes and the correction of errors. These actions have caused significant harm to my financial well-being and creditworthiness. The inaccurate and unfair reporting on my credit profile directly impacts my ability to access financial opportunities and has created unnecessary stress. As a consumer, I have the right under FCRA to dispute any inaccuracies on my credit report and expect them to be corrected.
Consumer complaint received 2022-07-01
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. (TX)

Hi I was a victim of fraud by a company which I thought hired me on XX/XX/XXXX, I received payment from them made my deposit and I end losing my checking account and now i'am unable to bank with other institutions as well as this appears on my record as fraud which I did intend to do please help me bank again
Consumer complaint received 2024-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo Home Mortgage is incompetent and alters fixed mortgage payment amounts without customer approval or signature. 

My Wells Fargo Home Loan was restructured in XX/XX/XXXX to remove the escrow account so that I would be responsible for paying my property taxes directly to XXXX XXXX XXXX. 

I have paid my property taxes every year since. 

I paid my XXXX taxes. 

On XX/XX/XXXX, Wells Fargo sent me an erroneous letter stating that {$2600.00} of my taxes had not been paid. 

XX/XX/XXXX, Wells Fargo set up an escrow account & paid {$200.00} to XXXX XXXX for XXXX taxes which XXXX XXXX listed me as having a zero balance and that all taxes had been paid. Wells Fargo did this without my approval, without my signature and without advance notice. 

XX/XX/XXXX, I spoke to XXXX in the escrow department and requested the escrow account be removed. 

XX/XX/XXXX, I'm scheduling my mortgage payment and discover that Wells Fargo added {$470.00} to my monthly mortgage payment of {$1000.00} ; a 47 % increase. Wells Fargo did this without my approval, without my signature and without advance notice. 

I spoke to XXXX in escrow on XX/XX/XXXX and she stated that Wells Fargo paid my XXXX taxes and the additional {$470.00} per month was to reimburse Wells Fargo for XXXX years of tax payments. Wells Fargo wants {$5700.00} per year for taxes. Whereas XXXX XXXX wants {$2700.00}. Wells Fargo did this without my approval, without my signature and without advance notice. 

XXXX XXXX has no record of receiving the supposed {$2500.00} from Wells Fargo. 

XX/XX/XXXX XXXX in Wells Fargo customer service/ escrow told me that XXXX XXXX contacted Wells Fargo about me. This is a misrepresentation because XXXX XXXX does not contact their citizens ' mortgage lenders ; XXXX XXXX states that it's illegal for them to do this. 

To summarize, Wells Fargo has done the following : 1. Interfered in my relationship with my local tax department 2. Created an escrow account without my approval or signature 3. Sent a payment to Forsyth County to pay a nonexistent {$200.00} balance 4. Failed to remove the escrow account when I requested this on XX/XX/XXXX XXXX. Added {$470.00} per month to my mortgage payment without my approval or signature 6. Sent a non existent {$2500.00} payment 7. Made false statement about XXXX XXXX contacting Wells Fargo about me.
Consumer complaint received 2024-11-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd. (NC)

{$2800.00} Open balance XXXX HARRIS & HARRIS Original creditor Opened Account status Type Responsibility Remarks Original creditor name XX/XX/year> ( XXXX mos ) Open -- Individual Placed for collection Placed for collection HARRIS & HARRIS
Consumer complaint received 2024-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (MI)

On XX/XX/year>, an unauthorized charge of {$1100.00} was charged to my business account. I reported the unauthorized charge to PNC BANK on XX/XX/year>. The charges appear to have been made in California for XXXX concert tickets. I reside in XXXX and have never been to California. On XX/XX/year>, PNC Bank suddenly reversed the credit given to my business account and withdrew {$1100.00} in unauthorized charges from the business account and caused over {$320.00} in overdraft fees. 
I called PNC at approximately XXXX XXXX XXXX XXXX XXXX XXXX XXXX for explanation but the customer service representative told me that an explanation would be mailed only. This means the matter can not be questioned.