davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NV)

I opened a checking account with Wells Fargo in XX/XX/XXXX in XXXX CA. My account was great standing until I became sick with XXXX in XX/XX/XXXX and hospitalized. In XX/XX/XXXX, due to being hospitalized, my account began incurring overdraft fees. Wells Fargo closed the account in XX/XX/XXXX. The overdrafts were a result of auto payments setup with utilities ; I was unable to stop these payments as I was hospitalized. I wasnt able to do anything while sick with XXXX. 

I recently returned to work after recovering from XXXX for over a year and need an account to direct deposit my paycheck to. On XX/XX/XXXX I met with a banker XXXX XXXX who refused to help me resolve this. Against his desire to do so he called the department handling my account and spoke with XXXX who advised both him and me a branch manager could waive the incurred overdrafts & fax confirmation of same to him at which point he would make payment arrangements to payoff any balance. Unfortunately the branch manager XXXX refused to talk to me about this matter, telling XXXX she would call me the following Monday. 

She never called. I subsequently learned she claims she tried calling me on XX/XX/XXXX but my cell phone rang busy and she was unable to leave a message. This is a lie. Cell phones dont ring busy. My cell phone records do not show any incoming calls for XX/XX/XXXX. XXXX has falsified notes on my account. 

I went to another branch to try to resolve this and spoke with XXXX. That branch manager refused to speak with me too, refusing my request to waive the overdrafts because my account was charged 9 times and wasnt in good standing as I claimed. 

She ignored the fact those fees were charged when I was sick with XXXX  and its those fees I wanted waived due to the circumstances and leading up them being charged my account was stellar. 

XXXX said my only option was for her to submit an online complaint to their executive office for handling. This was done XX/XX/XXXX. To date I havent heard from Wells Fargo. 

To reiterate I am wanting to pay Wells Fargo what I owe them, for them to waive {$170.00} of the overdraft fees charged, and reopen my checking account. 

( {$170.00} does not represent the 9 overdrafts charged, only a portion. Im willing to compromise those fees however Id prefer they all be waived. I explained this to Wells Fargo previously and they refused to help me. ). This was explained to XXXX, XXXX and 2 branch managers PLUS to XXXX by phone. Everyone points fingers to each other claiming they cant help. XXXX said the managers can waive the fees ; the managers say they cant and wont waive the fees.
Consumer complaint received 2022-07-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NJ)

Assignment clause Notarized letter of debt purchase Signed contract from original creditor I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (TX)

From XX/XX/XXXX through XX/XX/XXXX, I was a resident of XXXX XXXX XXXX during this time somebody gained access to my personal information and begin to fraudulently use my credit cards and bank account. I Went to my local branch and informed customer service that my account had been fraudulently withdrawn. The bank informed me that they would do an investigation and told me to inform my local Police Department. At this time my account was negative I paid the negative balance and brought the account back to good standings. And waited for the results of the investigation to see if the transactions would be reversed. From that date until current Im still waiting for results ; Ive tried to reach out to the bank several more times and I completely get the runaround and transfer from department to department.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-07-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I have tried repeatedly to dispute a Bankruptcy that is appearing on both my XXXX and Experian credit reports. XXXX ( whom both of the CRAs state that they are verifying the information with ) is not listing a Bankruptcy report. XXXX has requested that both Experian and XXXX remove the information from my credit repair. Both CRAs state that they are verifying or certifying the information with the company that reported and they list XXXX. XXXX states to the contrary. 

If the above is not enough, how about the " error '' that's listed stating that my " spouse '' filed the Bankruptcy on my behalf. I have never had a spouse and this error in reporting should be more than sufficient to delete this bankruptcy from my credit report. 

The erroneous reporting is causing continuous financial injury. All documents are attached show the exhaustive measures used to try to resolve this issue with both CRAs, including Metro2 Compliance requests. Both Experian and XXXX fail to adhere to Metro2 compliance requests.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

******CPFB***** This is regaurds to an account that has a few late payments that is on my credit report, it is reporting as joint when in fact I was never ever a joint member on this card, I have tried numerous ( more than 10 times per bureau to explain that I never once filled out an application via Phone, nor in person or by mail.I have asked for some sort of proof as to why they keep updating the file as apposed to deleting it and I get nothing.I have disputed the file so many times and each time they say that they have ammended some part wich the file is not large enough for them to have done So.The part that really gets me is that i am not claiming no affileation to the card I was suposed to be listed as an authorized user on the card I never had a card it was only to benifit my credit I was never ever responsible for the bill XXXX XXXX the primary was. They even had personal info on my file that was incorrect claiming i had an address in alaska and one in florida wich i have never lived at either address, This Account in question is a USAA credit card for {$25000.00} the XXXX XXXX payed off I had nothing to do with it I do not so much care if the card has to stay for how many ever years but i should not have to suffeer the impact from the missed payments please advise XXXX XXXX, XXXX, and Usaa to remove the late payments or theaccount all together since I am placing my cries on deaf ears dealing witrh the unresponsive credit Bureaus thanks in advance
Consumer complaint received 2023-07-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NJ)

I had an account at TD bank and my mother as well and it was a security deposit box several citizens and some police dept in XXXX XXXX took it upon themselves to not notify me and took every opportunity to block and communications through phone and mail so that way they were contacted and i was not they hacked my phones and forwarded my calls and even stole my mail and got id in my name and had themselves or got a female to go and say that they were me and they recently transferred the account into a woman name XXXX XXXX of which is not even a person they have also added names to the account and had an employee in the fraud dept transferring money to the atm cards in my name as well. I received none of the money and my deceased XXXX XXXX XXXX also had one in her name and they are doing the same thing to this one. they have also made accounts with prepaid paypal and netspend accounts in my name and used those accounts to transfer the money on to those cards which they spent the money on that as well i also have child support that i received and they have somehow hacked or gained access to my account and made waytogo accounts which is a prepaid card which is not secure and stolen all that money as well i have names bc they also made copies of these cards that i now have and i have not received any of the money bc where i receive my mail the guy is giving these people my mail and i change the address on the account they call back up and change it again i need this looked into asap bc of this money and the fact that the officers let everyone know my financial situation my life and my kids lives are in danger i believe my children 's guardian 's are already dead and i have no resources to go check and no money bc every time i have something they make sure to steal it from me keeping me from finding out the truth please find out whats going on asap they stolen my phone and they also will lie and say that someone is me when i fact it is not i am homeless and have no cell phone please do not contact the police dept in XXXX XXXX bc they are involved and will just lie to you if you can go over their heads beings my communication is limited please do so and send them in person and please have them look for me and do finger prints to prove that it is in fact me.
Consumer complaint received 2024-12-18
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc. (MD)

I recently received a copy of my credit report and found proof that they are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being XXXX but also has a past due balance of XXXX. This is a violation of the FCRA and is in violation of requisite XXXX compliant reporting standards. 

According to the Fair Credit reporting Act I have the right to a completely accurate credit report, and they are required to remove any information that is not true, verifiable and accurate. 

I request that they immediately remove this account from my credit report and send me an updated report showing their compliance with all XXXX reporting standards and this account removed upon completion XX/XX/year>
Consumer complaint received 2022-10-05
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. (TN)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-03-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted XXXX XXXX XXXX ( debt collector ) about erroneous charges from XXXX XXXX ( alleged original creditor ). I spoke to XXXX XXXX and they agreed to remove the debt. First credit services even sent me a letter saying the balance is {$0.00} and Transunion has refused to remove this erroneous debt from my credit report and did not accurately verify the erroneous debt. 

The account number listed on my Transunion credit report is : XXXX The master number for this account is # XXXX Current law states the following pertaining to the Treatment of inaccurate or unverifiable information : ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-09-19
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)

I NEED YOU TO ATTEND THE FOLLOWING SHOWING ITEMS IN MY LETTER WHICH CONTAINS DATA TAKEN DIRECTLY FROM MY CREDIT REPORT WHICH YOU HAVE PROVIDED PLEASE DELETE THE BELOW LATE PAYMENT YOU ARE SHOWING ON MY REPORT ACCORDING TO THE CONSUMER RIGHTS YOUR ARE VIOLATING MY RIGHTS. 15.U.S CODE 1666 - CORRECTION OF BILLING ERRORS RIGHTS 15 USC 1681B - PERMISSIBLE PURPOSE OF CONSUMER REPORT. 


ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER - XXXX ACCOUNT STATUS - OPEN
Consumer complaint received 2022-12-05
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (GA)

Reference Complaint # XXXX Notice -failure to comply with Validation Affidavit -15 USC 1681 Sec 604 a -15 USC 1681 C ( a ) ( 5 ) -Acct status incorrectly reporting open -no deficiency was reported -lender failed to communicate personal items and process on return.

-failure to communicate sale of vehicle -breach of peace from gated community Fee schedule is attached for appropriate collection of fees violated. 
Remit payment XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

this is a never ending issue that has been ongoing for months with this financial institution. Opened up two different personal credit lines withXXXX  I have one credit line that has a limit of {$11000.00}. I also have another personal credit loan with a limit of {$20000.00} Ever since the XX/XX/XXXX, The company has not been reporting the correct balances to the credit bureaus. I have attached copies of a current credit report showing incorrect balances. These balances have been showing that I have been over my credit limit amount and over the utilization amount of both of these accounts and this incorrect reporting has been reporting like this since the XX/XX/XXXX With these accounts showing the utilization over the crate line amount, it has drastically caused a big substantial decrease in my credit scoring. I have never been late or over the credit limit or the personal credit line amount on either two of the accounts. I have attempted to send a request to the XXXX XXXX XXXX advising of this on this company and I was contacted by someone by the name of XXXX that is in a resolution with XXXX. I have been in touch with her multiple times as she states that she is working on the situation. I have also attempted to contact the credit bureaus and let them know of the incorrect information. However, the incorrect information is still reporting on my file.. XXXX has advised me that she has attempted to escalate this to someone else, but this process is taking way too long and it is going months and months without being corrected. The lender of XXXX is XXXX XXXX XXXX. From doing research I have found that they have been in a civil lawsuit this year regarding incorrect fair lending, but it is definitely having an impact on my credit scoring and this also then turns around and has an impact with my other creditors, showing this high utilization and over the utilization, credit line amount to drastically, decrease my scoring models, which intern impacts my lending with other creditors. These incorrect reporting on these accounts has caused current creditors to change my interest rate as well as not providing me additional credit favorable interest rates due to this error not getting corrected and updated on my credit report. XXXX, in the office that is answering these complaints and that this report will also possibly go to as well has been telling me that she is getting the issue resolved and looked at, but it has been going on now for months with no resolution I only want what is fair and they are not reporting these accounts correctly and it is having a very serious impact on me. One account is showing that I am almost {$2000.00} over the limit another account almost shows the same thing that I am over the limit and it is causing drastic effects on my credit scoring.
Consumer complaint received 2022-10-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

On XX/XX/2022, I was sent an email from " XXXX. '' The email stated that someone had recently used my account to send an unauthorized amount to another company. I had a similar instance happen recently through XXXX and corrected the error. So, I checked the number and email provided online, and it appeared to be credible based on the sites provided by XXXX XXXX. I called the number, and they followed the same exact script as XXXX would for the situation and explained that the process would be a bit different this time due to the purchase, XXXX. I was assured this would be solved by transferring money from my personal accounts to a secure account. I followed the instructions by the person on the other line who instructed me to give access to the account to facilitate a transfer. I was then told the individual the installments in " two '' to be more " secure. '' The amounts of {$2000.00} and {$310.00} through XXXX  to a number that after was listed as " XXXX XXXX '' after the transactions went through. After a long pause, I realized something was off when I asked for the amount to be transferred back. I demanded that my money be transferred back, but the gentleman on the other line stopped talking. I immediately called XXXX after this exchange and asked if they could pause the transaction. I was told there was nothing they could do because it was through a third-party vendor, XXXX.