davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

ON XX/XX/XXXX, I RESPONDED TO AD IN MY EMAIL FROM CAPITAL ONE FOR A XXXX XXXX CREDIT CARD. THE OFFER HAD 3 COLUMNS WITH 3 PROMOS AND 3 APPLICATION TABS. I APPLIED FOR THE {$200.00} BONUS, {$500.00} SPEND WITH XXXX APR FOR 3 MONTHS. I RECEIVED ON XX/XX/XXXX LETTER- APPROVAL WITH {$3000.00} LINE AND XXXX CARD RATE. THERE WAS NO MENTION THAT THIS WAS NOT APPROVAL FOR THE CARD I APPLIED FOR. I RECEIVED A XXXX XXXX CARD ON XX/XX/XXXX AND ACTIVATED IT ON XX/XX/XXXX. WHEN I RECEIVED AND ACTIVATED THE CARD, I ASSUMED THAT I GOT THE PROMO APPLIED FOR. CAPITAL ONE SENT A CARD WITHOUT NOTICE THAT IT WAS NOT APPROVED FOR THE CARD PROMO APPLIED FOR. THEY JUST SWITCHED MY APPLICATION WITHOUT THE PROMO ( BAIT AND SWITCH ), A CARD WHICH I WOULD NEVER APPLY, WHICH HAD MONTHLY BALANCE DUE OR XXXX PERCENT XXXX. ON XX/XX/XXXX, I USED THE CARD SPENDING {$650.00} ( WHICH MET THE BONUS AND THE 15 MONTH XXXX INTEREST REQUIREMENT ). I RECEIVED MY MONTHLY STATEMENT ON XX/XX/XXXX AND FOUND THE BALANCE DUE AND INTEREST CHARGE CALCULATION SECTION DID NOT SHOW THE PROMO. I CALLED XXXX XXXX AND CUSTOMER SERVICE SAID NOTHING COULD BE DONE, THAT THE BANK RESERVED THE RIGHT TO SWITCH THE PROMO. CERTAINLY THE ACCEPTANCE SHOULD HAVE INDICATED FOR A DIFFERENT PROMO. ON XX/XX/XXXX, I HAD TO PAYOFF THE BALANCE WHEN DUE ( XXXX ) TO AVOID XXXX INTEREST RATE. I THINK THE BANK SHOULD RETURN MY PAYMENT LESS THE MINIMUM PAYMENTS THAT WOULD HAVE BEEN DUE IF THEY DID NOT BAIT AND SWITCH AND APPLY THE PROMO I APPLIED FOR. THIS REMINDS ME OF THE XXXX XXXX DEBACLE OF A FEW YEARS BACK - OPEN A CHECKING A/C AND THE REP ALSO OPENS A CREDIT CARD NOT APPLIED FOR. PAYMENT ADDRESS IS : CAPITAL ONE, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I APPRECIATE ANYTHING YOU CAN DO FOR ME AND ANYONE 'BAIT AND SWITCHED '.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NM)

XXXX  I had so many problems with wells Fargo taking money out, for fees, etc. I eventually closed the account because it was putting me in the negative, and I wasn't even using the debit card
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have asked for valadation on accounts that appear on my report and I have not heard back from the companies. I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are un verified according to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information that is innaccurate, incomplete, or which provide testimony and certification that you can not be verified. XXXX cards, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Auto, and, XXXX lending services. It is also my understanding that under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, INCOMPLETE, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirely or the alleged accounts are to be completely deleted. I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHT TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formated reporting standards according to regulations.
Consumer complaint received 2023-01-23
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. (PA)

On Date XX/XX/2022 XXXX XXXX reported a Credit Inquiry to Transunion that was not initiated by me. 

Actions taken by me : I contacted XXXX XXXX and was advised that I would have to dispute with the credit bureau who reported the false inquiry. I contacted Transunion and was told to dispute my written request which I did at least 60 days prior. I have not heard a response from Transunion concerning this. 


On Date XX/XX/2022 XXXX XXXX XXXX  reported a XXXX XXXX to Transunion that was not initiated by me. 

Actions Taken by me : XXXX XXXX XXXX was contacted and I was told to dispute with Transunion. I contacted Transunion and was told to dispute my written request which I did at least 60 days prior. I have not heard a response from Transunion concerning this.
Consumer complaint received 2020-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (ID)

AMSHER COLLECTION SERVICES sent me a collection letter 2 years after I ended services with XXXX XXXX. We ended, paid and turned equipment in, prior to moving, into our local office. I have never heard of this debt before, been contacted or nor am I sure if this is even valid? There isn't even a date from when this debt occurred, very suspicious.
Consumer complaint received 2023-01-23
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. (TX)

i dont know where you keep getting XXXX XXXX XXXX XXXX. I live at XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXXXXXX Texas XXXX. I need my report to reflect this address. I haven't looked at this report since 2021. My address was XXXX XXXX XXXX, XXXX tx XXXX
Consumer complaint received 2023-01-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (NY)

I was financing my XXXX  XXXX XXXX with Wells Fargo and was having financial hardship they repossessed my vehicle for one late payment demanding total amount of loan amount left of about {$6600.00} after repossession and had about 8 months left on the loan terms and charged us with GAP Insurance while we had full auto coverage. I have been reimbursed in small increments for the GAP insurance but I truly believe that I qualify for payment on the unlawful repossession according to the most recent Wells Fargo Settlement.
Consumer complaint received 2023-01-23
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)

I sent three letters on XX/XX/2022 to the following credit bureaus to remove inaccurate personal information from my credit report : XXXX, XXXX, and TransUnion. Here are my tracking numbers for the letters dated on XX/XX/2022 : XXXX, XXXX, XXXX. According to the Fair Credit Reporting Act 12 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is not supposed to share my information to third party people/affiliates.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-01-23
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. (MD)

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting : The Congress makes the following findings : ( 1 ) 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

These accounts must be removed from all three credit reporting companies ( Equifax, XXXX and XXXX ) for violations under the federal laws listed above. 

XXXX XXXX XXXX ( Charge-off ) {$530.00} XXXX XXXX XXXX ( Charge-off ) {$480.00} XXXX XXXX  XXXX ( XXXX XXXX {$1000.00} XXXX ( Charge-off ) {$0.00} XXXX XXXX ( Charge-off ) {$48.00} These 5 accounts are charge-off - Which are being reported as debt, which is a clear violations under the federal laws listed above.
Consumer complaint received 2020-05-20
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. (NC)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$4000.00} XXXX XXXX   XXXX {$500.00} XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX {$1100.00}
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (GA)

This card company said they have sent out a card for my benefits and I have not received a card yet.still waiting on a card and it's been a month since my employer filed claims on my behalf. Still waiting on the card so I can use it. XX/XX/XXXX will be two months. Can someone help me.
Consumer complaint received 2023-01-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (CA)

I called Wells Fargo to complain about the very high fees, and rates for the loan on the car I received. I was given a {$780.00} a month for a XXXX  XXXX XXXX. I really like the car but I think the {$780.00} a month is too expensive. Thanks, XXXX XXXX.
Consumer complaint received 2023-01-23
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)

I am writing to delete the following information in my file. The items I need deleted are in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commissions Identity Theft Affidavit. Please delete the item as soon as possible. These items are stopping me from getting a house.
Consumer complaint received 2020-05-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I logged into my SunTrust account and noticed a charge to XXXX for {$1300.00}. I immediately got in touch with XXXX and found out that someone hacked into my account, ordered an XXXX  computer and was having it shipped to Texas. I was able to get with XXXX and they were able to stop the order before it was sent to Texas. They emailed me saying that an unauthorized charge had occurred and that they have locked my account, deleted everything with the order and to disregard any order emails that may come through. They said my bankcard with Suntrust was charged {$1300.00}, and that I will need to dispute this with Suntrust. Once this is done they would then charge back the merchant. They said the refund would not come from XXXX. I'm attaching the email from XXXX that references this information, as well as another screen shot on XXXX. On the screen shot, if you type in the order number, it says " this was an unauthorized order and has been deleted from your account. We have sent you an email with the details ''. I disputed this charge on XX/XX/XXXX and I received an temporary credit while they investigated. A few weeks later I received a letter saying my dispute was denied and I will be charged the {$1300.00} in two days. No proof was give, but they said I can request documentation. I immediately contracted Suntrust bank and let them know. They said I would have to fill out a rebuttal form, which took them two days to email to me. I immediately filled it out and faxed with the emails from XXXX and the screen shot I'm attaching. I spoke with Supervisior at Suntrust and she noted everything on my file and said it should be cleared up quickly and that I also wanted proof of the denial. I have never received anything from them except headaches and wasted time on the phone. I told the Supervisor that I would give them until Monday XXXX of XXXX to either apply another temporary credit while they investigate or provide proof of the denial. Otherwise I would be filing a compliant. I gave them two extra days and with no response from them, so I wish to file a compliant against them. Please let me know if you need anything else from me. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-05-20
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. (NC)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXXXXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX  XXXX {$4000.00} XXXX XXXX   XXXX {$500.00} XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX {$1100.00}
Consumer complaint received 2023-01-23
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)

XXXX XXXX has sent negative information to the XXXX without my written consent : as well as my authorized users. I have never given written consent to send any info to a third party. This has caused problems for me to obtain anything for my future, has caused XXXX and XXXX in my life.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

In XXXX of XXXX, I received my monthly mortgage bill. The payment due was showing {$1100.00}. That exact amount was paid on XX/XX/XXXX. 
I received a letter dated XX/XX/XXXX claiming that my account was 15 days past due. and that a late charge of {$57.00} had been applied. I immediately called customer service. They seemed confused themselves and I was told I would get a call back the next day. 
When I finally received a call back, i was explained that the amount on the last bill was not a payoff amount. I insisted that I paid the amount stated on the bill and that I could not understand why my account was considered late. 
After a few calls, I was finally given a payoff amount of {$220.00}, which I was first told could not be paid over the phone and that I needed to wait for a letter stating the payoff amount. 
By then, more time had gone by and the amount I was to pay was {$320.00}. I called on XX/XX/XXXX and, surprise! This time the payment over the phone was possible! 
Then I received another bill for {$77.00} Then a " Request For Mortgage Assistance Application '', followed by a credit on my bill for {$120.00}, but a refund check for {$72.00}. 
I would have expected from my mortgage company to send payoff amount before the term, just like another mortgage company did for my wife. I could have avoided all that confusion and a credit report showing a late payment of under {$100.00} and a loss of over 100 points off my then exceptional Fico score. 
I feel that the reporting has been unjustified and unfair and wish you review this to help me resolve this.
Consumer complaint received 2020-05-27
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. (VA)

I applied for a business loan with a company called XXXX. They asked me for business banking statements, and then offered me a loan at 80 % interest APR. They said the reason was due to " my personal credit score being below 500. '' Our business is a separate XXXX XXXX ( XXXX  ). 

I never gave this organization the authorization to access my personal credit report. I was never asked, and never told that my personal credit would be accessed. 

They violated my trust and accessed my credit file without permission, and now have caused my credit score to go down further, having done a " hard pull '' of my credit report from XXXX  and TransUnion
Consumer complaint received 2023-01-23
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX has violated my rights. 

15 USC. 1681 section 602A. States I have the right to privacy.

15 USC .1681 section 604A section 2 : It also states a consumer reporting agency can not furnisha account without my written instruction.
Consumer complaint received 2023-01-23
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)

XXXX XXXX is reporting an account on my behalf that was fradulently opened! I did not give any written consent to publish this information on my credit report nor did I authorize this account to be opened in my name! By law section 1666! For each violation there is a {$1000.00} legal fee that should be paid to consumer!
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

1. XXXX  2. XXXX XXXX 3. XXXX XXXXXXXX XXXX 4. XXXX XXXX XXXXXXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-22
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. (CA)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 


I understand that under 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I also understand that a reinvestation of this report must be made within 30 days of recipet of this letter- 15 U.S.C. Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this Matter.