davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-02
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$6200.00}, {$3100.00}, {$24000.00}, {$11000.00}, {$14000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 


-- STUDENT ACCOUNTS 5. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CT)

My account is set for automatic payment from my checking account. The XXXX XX/XX/2020 statement showed a XXXX balance because of a payment from my checking account of {$2.00} on XXXX XXXX. The checking account was closed because of fraud. With all the changes and challenges with COVID, I forget to update my information with you. I did not know the payment was returned until the XXXX bill. I immediately paid the bill. I had no idea the payment had been returned until the XXXX bill came. The XXXX statement closed on XXXX XXXX and had a XXXX XXXX payment due date. I made the payment on XXXX XXXX. However, I have 2 late entries on my credit report for the {$2.00} balance. If the {$32.00} was not due until XXXX XXXX ( as per statement ) and I paid on XXXX XXXX, why was I hit with another delinquency. 

I contacted XXXX  XXXX XXXX and complained about after paying {$30.00} in fees on XXXX XXXX. They said there was nothing they could do about the fees or delinquent flag. I got a copy of my credit report in XXXX. I was unhappy to see two 30 day delinquent charges. I called and wrote letters. Nothing has happened.
Consumer complaint received 2021-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (MN)

Called from this phone number XXXX and said I owed Wells Fargo {$1000.00} from 2012 provided me with my my social security number and ID number, rather than asking me for it, they already had it. They asked for my job and banking info to collect. I do not owe Wells Fargo and its not even reflected on my credit report. Theyre a scam and I dont know how they got my information
Consumer complaint received 2021-05-13
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. (LA)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2024-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I lost my Job.I talked with Bank of America about my Credit Card to see if my payments can be put on hold due to being unemployed. They never even tried to do that. Instead they added a charge off plus interest a total of {$830.00}. Then they sent the bill to a collection agency.Bank of America made extra charges to my account for no legitimate reason.Hard working money that I try to earn to pay off. After I found out about this I recalled Bank of America again to discuss my credit card to see if they can work with me on the payment. But still they could not. 
Please see if yall can help me with this please. 
Thank you for your time, and concern. 

Sincerely XXXX XXXX
Consumer complaint received 2020-09-03
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: R & B Corporation of Virginia (VA)

I have credit control corporation on my credit reports with several accounts With balances and its fraud I never opened these accounts .. I have contacted the company to send documents to prove it was me and to let them know this was not me and not anything was resolved.. I gave 2 accounts with XXXX balance and another with XXXX balance another for XXXX .. I need them accounts removed due to fruad
Consumer complaint received 2020-09-02
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. (FL)

XXXX  and Experian have fraudulents on my accounts : XXXX XXXX XXXX   is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

CapitalOne/ Walmart is reportig erroneous lates on my credit from XX/XX/2020 through XX/XX/2020 and I was never late. XXXX XXXX  sold the Walmart account to Capital one.When my Walmart account was transferred to Capital One I never used the card, and had no balance at all. So I should not have any current lates reporting and I am demanding this account to be fixed.
Consumer complaint received 2020-09-02
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. (FL)

TransUnion and XXXX  have fraudulents on my accounts : XXXX XXXX XXXX   is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2020-09-02
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)

I have filed a dispute with XXXX, Transunion, and XXXX, regarding the multitude of inquires listed on my credit report. However the only response i get from them is to contact the company who placed them onto my reports. In the FCRA it states that i am entitled to a fair and accurate credit report. These reports are not accurate. The burden of verification is on XXXX, Transunion, and XXXX  since they are the ones who are responsible for ensuring things are correct on my report. They are bound by law to make sure everything is correct. Not to tell me to call the individual creditors my self. I demand that XXXX, Transunion, and XXXX  go back into my past disputes, and Remove the unauthorized inquiries from my credit report ASAP
Consumer complaint received 2020-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I previously filed at complaint with CFPB and Bank of America and the case was closed today with only a partial amount of the money being refunded. 

The company still owes me a large some of money that was fraudulently taken from my account. The charges for a business-platform software program are large and nothing we every ordered. This product ( XXXX XXXX ) that was fraudulently charged to our account is a software program meant for a large business. Does not make any sense at all that this program would be charged to a personal account. Our money was never protected and bank of America made no effort to protect our money. Our money is not safe with Bank of America if they let fraud like this happen. 

Does not make sense that Bank of America only refunded a small portion of the fraud and not refund the full portion. The monthly charges for XXXX XXXX that my husband and I never ordered, have no evidence of owning, and would have not need to own. 

I am asking that CFPB ask Bank of America to reopen this case and investigate further. They are telling me there is a " not enough evidence '' to reimburse the money. However, I have plenty of evidence. We never authorized the buying of this product, we don't own this product and we don't have any need for such a product.
Consumer complaint received 2020-09-02
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 — Problem with personal statement of dispute
Company: DISCOVER BANK (NJ)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX Dear Discover Card Im losing patience here because I have to keep writing you guys about this inaccurate charge-off and you guys keep coming back saying the is accurate. I need you to stop lying to me and to the CFPB stating that its accurate on the previous complaint and hes the compliant number # XXXX. Please look what Discover responded they confirm that this account is accurate. 

Creditor : Discover Card, Account number : XXXX Inaccurate information such as - Account Type on all three credit bureaus. 
- Terms on all three credit bureaus. 
- Comments on all three credit bureaus. 
- Payment History on all three credit bureaus. 
- Last Payment is in XXXX and why on my Payment history is show that XX/XX/XXXX has a on time Payment. 

I did everything you told me to do. So why is it still reporting on my credit report? Why did I get another letter stating that it was verified? How is that possible, when the other two credit bureaus did the same investigation and the item Can you tell me what data you are using to verify this charge-off account? Because the other two credit bureaus are reaching out to the same creditor to investigate this charge-off account? Im not a complainer but I feel that your company is not looking out for my best interest so Im getting ready to filed complaints with the FTC, XXXX, and Attorney General 's offices in my state and your state and Consumer Financial Protection bureaus, because you have failed to fix the problem. Please re-investigate the account below as I have provided you with new information. 


Sincerely XXXX XXXX
Consumer complaint received 2019-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (VA)

i took out a loan against my house with citifinancial and it was closed on XX/XX/2320 and then it was sent to XXXX XXXX XXXX and that account was closed on XX/XX/2015 and then it was sold to XXXX  and i sent you a complaint on them to get it taken off my credit report cause it was paid in full and its still on my credit report as closed and its been 4 yrs now and i would like these companies taken off my credit report and also need to send it to XXXX
Consumer complaint received 2021-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

In XXXX of this year there was 8 charges of XXXX e card from XXXX on line, they did stop the charges after the 2nd one, Bank Of AMERICA then sent me a email about false charges, I told them this was not mine, thet sent me a new Credit Card, and went to dispute the charges. in XXXX, 2021 they send me a letter saying XXXX said I ordered all of these cards, which was not true, I disputed it again and the sent me another letter two days ago saying these were my charges. I am a very honest person and never, ever did this charges, XXXX
Consumer complaint received 2021-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MUFG AMERICAS HOLDINGS CORPORATION (WA)

On XX/XX/XXXX, I opened a Checking Account in branch with Union Bank. At the time of account opening, I took advantage of a {$300.00} " refer a friend '' promotion incentive. This promotion required three $ XXXX direct deposits or 10 debit card transactions totaling at least {$1000.00}. During the month of XXXX, I received three direct deposits of at least {$500.00}. Unfortunately, I received a letter in early XXXX ( dated XX/XX/XXXX ) that Union Bank would be closing my account XX/XX/XXXX. I've reached out repeatedly to Union Bank ( customer service, local branch manager, and the customer advocacy department ) in hopes of getting this issue resolved ; however, none of these individuals have been able to resolve this issue. As of today, Union Bank has still yet to pay my " refer a friend '' incentive and has not adjusted their decision to close my account on XX/XX/XXXX. This entire experience feels like such a bait and switch. I completed the bonus terms and then Union Bank decides to close my account vs. paying out to account incentive as promised at the time of opening.
Consumer complaint received 2023-05-16
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. (TX)

This is my fifth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, AL XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$5800.00} XXXX XXXX Bankruptcy Discharged Reference # : XXXX XXXX XXXX Bankruptcy Discharged Reference # : XXXX
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (DE)

Impacted by the XXXX XXXX. Please have OneMain Financial remove late payments from 3 credit bureaus ( My credit report. I have explained to OneMain from day one that my job closed down due to an employee at my job tested positive for XXXX XXXX. I tried to apply for Pandemic unemployment it was a night mare trying to submit my claim online due to thousands of other people applying and high trafficking.Day and night I tried to submit my claim. I had no control as to my job closing and pandemic unemployment website being down or not being able to connect due to issues at there end. My account was in good standing before XXXX  XXXX. Once my claim was approved I immediately paid my account up to date and paid more than my minimum towards my balance {$2000.00} So so wrong what OneMain has done to people at our worse time. Help me out was it really so hard to defer payments til I got back on my feet? Just disgusting and left a bad taste in my mouth to know that OneMain was they only business that did not defer not even one payment my other credit accounts I have in good standing as well had no problem deferring any payments. I will never recommend/refer anybody to this company! DO NOT BORROW FROM THIS COMPANY ONE MAIN FIN. WILL RUIN YOUR CREDIT FOR SURE I HIGHLY RECOMMEND IF YOU WANT A LOAN TO GO TO XXXX XXXX! The least OneMain can do is remove these late payments off my credit report.
Consumer complaint received 2019-03-25
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. (PA)

XX/XX/XXXX i mailed off an letter stating that they were reporting incorrect information. it had the wrong name spelling and alot of addresses that ive never lived in or been associated with.
Consumer complaint received 2020-09-02
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)

I have filed a dispute with XXXX, Transunion, and XXXX, regarding the multitude of inquires listed on my credit report. However the only response i get from them is to contact the company who placed them onto my reports. In the FCRA it states that i am entitled to a fair and accurate credit report. These reports are not accurate. The burden of verification is on XXXX, Transunion, and XXXX  since they are the ones who are responsible for ensuring things are correct on my report. They are bound by law to make sure everything is correct. Not to tell me to call the individual creditors my self. I demand that XXXX, Transunion, and XXXX  go back into my past disputes, and Remove the unauthorized inquiries from my credit report ASAP.
Consumer complaint received 2020-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America made two insurance withdrawals from my loan escrow account in error to XXXX XXXX XXXX XXXX totaling {$16000.00}, XX/XX/XXXX {$4200.00}, and XX/XX/XXXX {$12000.00}. XXXX XXXX XXXX XXXX is not my insurance company. I switched my insurance company for the XX/XX/XXXX-XX/XX/XXXX policy year to XXXX XXXX XXXX  on XX/XX/XXXX. I notified Bank of America three times that my new insurance company for the XX/XX/XXXX-XX/XX/XXXX policy year was XXXX XXXX. I used Bank of America 's preferred method of communication on XX/XX/XXXX,  XXXX. I received an email from Bank of America acknowledging the receipt of the insurance information. I called and notified Bank of America on XX/XX/XXXX after  seeing that a payment of {$4200.00} was made in error from my escrow account to XXXX XXXX on XX/XX/XXXX and requested assistance with getting the money returned to my escrow account. I called XXXX XXXX on XX/XX/XXXX and was told that NO payment had been made to my account. I also called XXXX XXXX  to see if the payment was made to them and was told that NO payment was made. I faxed the insurance information to Bank of America again on XX/XX/XXXX and requested assistance. On XX/XX/XXXX a  XX/XX/XXXX withdrawal of {$12000.00} was made from my loan escrow account to XXXX XXXX XXXX. I called Bank of America again on XX/XX/XXXX and spent 4 hours on hold and was told that they did not know what to do. 
I have confirmed with both XXXX XXXX or XXXX XXXX insurance that NO payments have been made. 

I am refinancing my loan and am being required to pay an additional $ XXXX in Escrow Overage due to Bank of Americas {$16000.00} error. No payments have been made to any insurance company. NO ONE has received the {$16000.00} that Bank of America shows as being withdrawn from my escrow account. I need help in correcting these errors and refunding my money. 

Please assist me in correcting these errors. 
XX/XX/XXXX {$4200.00} XX/XX/XXXX {$12000.00}
Consumer complaint received 2020-09-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources (NC)

I want to start off by saying I was considering looking for a mortgage. When my lender looked up my information, he thought it was odd that I opened an account in XX/XX/2019 but the " creditor '' reported it delinquent in XXXX of 2019. I thought it was weird as well because how can someone open an account in XXXX but is deemed delinquent in XXXX. So I reached out to the company and the staff was so rude. So I ended up paying the {$220.00} and {$52.00} debt that they said I owed with the intent that they would delete the item on my report which they never did. Once I noticed almost 2 months later I called back and they said they will not remove it but will update the status to " paid in full ''. The representative I spoke with in XXXX said it was my first offense with the company and they would delete it but the second representative was extremely rude about it. Even when I informed her that I moved and never received any notifications or calls. I even emailed the manager that sent me a receipt and still to this day, I haven't received an answer from him. At this point I feel taken advantage of because of the rudeness and lack of compassion from " Firstpoint Resources '' or " Firstpoint Collection Resources ''.