davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This has been ongoing since XX/XX/2023. I requested/demanding proof and challenged the legality of the collections and inquiries in question. They failed to provide adequate proof within 30 days, The credit bureaus must remove those negative items from your credit report. the account appears to be re-aging. 
XXXX did as you see below. TransunionXXXX XXXX has not. 

on XX/XX/2023 I requested the Trans Union, XXXX and XXXX, credit reporting to review my file on 3 XXXX XXXX loans. XX/XX/2023 XXXX provided their response below : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. Transunion nor XXXX has not deleted these incorrect items on my credit report file.
Consumer complaint received 2020-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (VA)

I have had resent issues with BBVA charging me extended overdraft fees. Im being charged {$23.00} a week. Despite unauthorized charges they refuse to dispute. The refuse to address how my debit card has got skimmed twice and how a new debit card I had replaced somehow for compromised before I was even able to use it. I was not charged the extended overdraft fees prior this is a recent occurrence. Im being charged overdraft fees for .99. Charges. Even when I have replaced my card some of the new charges have still processed on my debit card. I also had my savings recently closed after being told that they would freeze it avoids any further unauthorized ACH payments. I was told I could transfer or deposit money because the account was frozen. But I was charged extended overdraft charges weeks after it was frozen and right before they closed it.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (MD)

Subject : Dispute of Unauthorized and Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX RE : Unauthorized and Fraudulent Inquiries To Whom It May Concern, I am writing to inform you that you are unlawfully reporting fraudulent inquiries on my consumer report that I did not initiate, as required by law.

Under 15 U.S.C. 1681b ( c ), a consumer reporting agency shall not furnish a record of inquiry in connection with a credit or insurance transaction not initiated by a consumer, except as provided in 15 U.S.C. 1681c. 
The following inquiries are a result of identity theft and were not initiated by me. I demand that they be deleted immediately : Experian Hard Inquiries Done XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX My identity has been stolen, and I am hereby putting you on notice. 
Under 18 U.S.C. 1028 ( a ) ( 1 ), a person who knowingly transfers possesses, or uses, without lawful authority, a means of identification of another person shall be sentenced to a term of imprisonment of XXXX years. My identity has been used without my permission to open several accounts that have damaged my reputation and my ability to live my life. 
Furthermore, you, [ Credit Reporting Agency Name ], have committed fraud by not verifying these accounts. As stated in 15 U.S.C. 1681b ( b ) ( 1 ), a consumer reporting agency may furnish a consumer report only by the written instructions of the consumer to whom it relates.

15 U.S.C. 1681 emphasizes the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' rights to privacy. The information you are reporting is inaccurate and has been obtained through identity theft.

I request that you immediately investigate these unauthorized inquiries and remove them from my consumer report. I also request that you take steps to prevent future unauthorized access to my personal information. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/XXXX we posted to sell a pool, we were contacted by an individual who wanted to purchase the pool. They tried to transfer the money intonour account through XXXX. They said the could not because it needed to be a business account. We were contacted through email by " XXXX '' to open a XXXX  business account to recieve the funds. We transferred the money to open it and recieved a confirmation email. Then a second email stating we needed to transfer XXXX for the taxes but that it would be returned with the XXXX with the payment for the pool. We then found out it was fraud and contacted Wells Fargo fraud dept. immediately ( claim # XXXX and XXXX ). One for the XXXX and one for the XXXX. Those claims were denied stating that it was a scam claim not fraud. Immediately we filed a scam claim ( # XXXX and XXXX ) we tried several times to submit the emails we recieved from the " XXXX '' and were told they would contact us if they needed it. They denied the claims. So we submitted the claim to customer advocacy, claim ( XXXX ), we stated that the scam dept never took our evidence. They denied the claim stating that the cases were already closed and there was nothing they could do. They also would not accept our evidence.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2022-12-08
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. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-09-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I contacted Bank of America about an old business account getting charged maintenance fees and there has been no activity on the account. I contacted them about the issue and they refused to refund the fees despite telling them that we only kept the account open to move merchants to the new business account we opened with them.
Consumer complaint received 2022-09-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

I paid off a leased vehicle with Toyota Financial over 1 year ago. The tags on the vehicle expired in XX/XX/XXXX. I never received a title. I contacted Toyota Financial in XX/XX/XXXX to request a new title and was told that they had to request a replacement title from the Virginia DMV, and could take up to 60 days. 60 days passed of driving on expired tags and we still have not received a title. My husband called Toyota Financial and explained that we had not received the title. They stated they could overnight a lien release letter and we could take to the DMV to get the title printed. Upon taking that letter to the local DMV, my husband was given a replacement title for someone from Toyota Financial to complete. I called and was given a fax number to send the form to and it would be3 completed within a " few days ''. I told them that this was unacceptable and I needed a email address of who to send the form to be completed. He drove 30 minutes away to the DMV and I had to wait on and off hold with several employees and still was not given contact information to the person completing the form because that person " works in administration and does not talk to customers '' I requested and still would talk to someone in administration at Toyota Financial. It is XXXX, and I still do not have a title from a vehicle I paid off in XX/XX/XXXX. I need my title or I need my {$26000.00} refunded.
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (OH)

After getting a copy of my report that I ordered a credit report with XXXX XX/XX/2022, I called Experian since I saw some UNVERIFIABLE items on my personal profile. I discovered that there was a COLLECTION account on my credit report. This is disappointing because I have been paying XXXX  to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ) I have never with the items listed below, so please help me remove this COLLECTION, including this incorrect information from my personal profile. A copy of my XXXX XXXX, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (TX)

Santander was paid out by ilending after refinancing my vehicle and have falsely reported my account to the credit beureu. My account is now in collections and they are not taking accountability for their actions.
Consumer complaint received 2024-11-09
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. (NJ)

After inspecting my credit report, I noticed a mistake. The three credit bureaus are required to validate this account per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

Reporting unverified information without proof within the legal period is not allowed. 
Please investigate and correct the account listed on my credit report : XXXX XXXX XXXX : {$230000.00}
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My name is XXXX XXXX and I've been a Bank of america customer in good standing since XXXX. Around XXXX XXXX XXXX I went to use my ATM card to get cash which was successful and then I went to XXXX in XXXX, Maryland and tried to use my card and it was denied so I tried a second time also denied. I received a text and it was from bank that I needed to call do to security problem. Called number and was asked several questions and was then told you are okay and you can use your card now. Tried again and it was denied again so I gave up and returned to my car. Called bank number from my car and they told me to go to my local bank and tell them what's going on. Went home, fed dogs and proceeded to drive back to my local bank. Once inside I talked to clerk and he said something wasn't right and I needed to talk to manager. I went and waited and manager came over told me to have a seat and asked me where all did I use my card and I told him and he made a call to corporate office and then he asked me if I wrote anf checks today and I said and he said well a counterfeit/fraudulent check was written by me today and they were proceeding with closing my account. He told me to go home and call this number to corporate office. I was shocked and upset and once I got home I thought what am I going to do, no bank, no money till XXXX  of month. Called number and they were really nasty with me accusing me of something I did not do. They put a hold on my account until they could close it, told me to cut up bank cards and checks and I had no more access to my account. So, thank XXXX for friends who loaned me money to make it a month without. XXXX  XXXX XXXX my tax money went to bank of america and I can't get that either. I'm really stressed and upset, really put me in a hardship position.
Consumer complaint received 2020-12-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

We applied for a pre-approval letter through Citizens one online in XX/XX/XXXX. We were pre-approved for {$250000.00} and we proceeded to look for homes. We signed for a home in XX/XX/XXXX. We sent everything to the bank when they asked for it. They proceeded to ask for the same thing multiple times such as signatures and pay stubs. We sent everything by email. I do still have the emails showing things being sent back. We would go weeks without anyone returning our calls and emails. On the last day that things needed to be processed we got a call stating that we would need to refinance our car this was XX/XX/XXXX. We were originally supposed to close on XX/XX/XXXX. The sellers were willing to work with us and we did refinance. The bank sent over a commitment letter to close on XX/XX/XXXX. We continued to have to send over paperwork 3-4 more times because no one could find it. We would also go unanswered with emails, phone messages and text messages. Our realtor and the the listing realtor would also go unanswered. I was told that everything was with the processor and she was looking over our information on XX/XX/XXXX. The processor did not return calls or emails. The processor then waited until XX/XX/XXXX to reach out to say that she could open the attachments on the email I sent the prior week. The processor lied and stated she had just got my file. I have a letter form the same processor dated for XX/XX/XXXX. Also, if she she was going through my file on XX/XX/XXXX she would have known that the attachments did not work. On XX/XX/XXXX the sellers terminated the contract. The bank did not follow through with anything they needed to do to close on time for the home. I have the unanswered emails and text messages to the officers involved. I can also pull my cal logs for the unanswered phone call messages. We would like the bank to reimburse {$580.00} for the home appraisal. We lost the home due to the bank not following through on their end and not sending over the information needed to close on the home. The bank did not keep an appropriate time frame for either closing. I have tried twice to file a complaint with the bank and no one followed through me with time.
Consumer complaint received 2023-10-09
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. (NY)

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-12-07
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SIMMONS FIRST NATIONAL CORPORATION (TN)

Received forbearance agreement from Simmons mortgage. Documents received XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX requesting a down payment for a forbearance and putting me in a forbearance agreement. The documents I received were several documents with different dates and different information, it is confusing. There is a foreclosure sale date set for the property XXXX. Foreclosure notice I received was for XXXX XXXX, the property is in my name as of XX/XX/2022 I'm her son XXXX XXXX. I have not received a foreclosure letter for the property since the property was deeded in my name though the register office of deeds XXXX XXXX. I have requested mortgage assistance and assumption of mortgage modification. Please assist me I don't want to lose the home to foreclosure
Consumer complaint received 2021-10-19
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: EQUIFAX, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-08-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

XXXX XXXX XXXX has reported that I owe a debt of {$5900.00}. They have sent the debt to National Credit System collectors. I notified XXXXXXXX XXXX of my plans to move to XXXX Texas due to a new job which I started in XX/XX/2023. I closed on a house in that same month. I did not leave unpaid rental fees for the lease that was up in XXXX of XXXX. During the exit tour of the apartment the property manager, who is no longer employed at XXXX XXXX, gave me the ok that all was fine ; the apartment was not damaged, it was clean and I passed the exit tour with nothing due. I gave notice of intent not to renew my lease in plenty of time but it is noted here that I tried 7 times to meet with the management team to acknowledge the receipt of notice. I continue to have repeated unanswered communication with XXXX XXXX. I have had one returned cal from a district manager who said she would get back with me and I have not heard from her since. I have repeatedly requested an itemized list of charges from National Credit Assc and have received nothing. 
I need help in getting this resolved. After hundreds of people left with unpaid rental charges after the pandemic and did not get docked for it- yet I get docked for keeping my rent paid, depleted my savings for doing so, then got a great new job... gave plenty of notice per my lease, left no unpaid charges... yet I am reported to the credit bureau for nearly {$6000.00}. 
I NEED HELP!!!!
Consumer complaint received 2021-03-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/21 XXXX XXXX XXXX {$340.00} {$360.00} I was charged originally for my original tab, the workers claimed I didn't pay for my tab and called security and then threaten to call police if I did not pay for a " second '' tab, I was forced to pay or threaten with jail.
Consumer complaint received 2022-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: REGIONS FINANCIAL CORPORATION (TX)

Regions sent me a mailer offering a {$300.00} bonus for opening a credit card and spending {$2000.00}. I tried to use the code, and it didn't work. I went into a branch, where branch manager XXXX XXXX told me that, despite it being almost an hour until the branch closed, with 3 other bankers and ZERO other customers in the bank other than myself, that no one could help me ( even though the mailer said to go to a bank ), that they didn't have enough time to open a credit card ( we had more than 45 minutes ), and said that I had to call the number on the card to be helped. I called the number on the card and was placed on hold multiple times before giving up after over an hour as it seemed the company had shut down because it was past XXXX. 

I tried again a few days later, and was put on hold multiple times before allegedly being allowed to apply for the card, even though I was preapproved and they ran my credit ( hurting my credit score ).