davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-26
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. (IN)

I am submitting my complain for you to know that the three credit bureaus never update me to give me a feedbacks of my report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity. Be sure to present facts that these items being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to three Credit Bureaus but they failed to give me any results or feedbacks about this concern. These mentioned items should be remove immediately : XXXX XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

This is a continuation of complaint number XXXX and XXXX. In XXXX of 2021 I received a check from my insurance copmany and deposited it into my bank account with Capital One. A few days later they contacted me and told me they were going to hold the funds for 30 days. I waited until after the 30 days and contacted them again and they said now they had new requirements to release the funds they would need a hold harmless in order to release the funds. I have been back and forth with XXXX and Capital one several times trying to get this resolved. After the last complaint I was given a number to call to speak with someone directly but have left multiple messages at that number and recieved only one call back ( I did miss that call ). After pleading with insurance company they finally provided me with a Hold Harmless letter which I am including in the complaint. Obviously I'm very frustrated at this point, I have tried calling the bank to ask where to send this letter but get put on hold for very long times and end up having to end the call because I can not wait on hold for 45 mins +. This seems to be the only venue where I get responses to my issues. I did get someone on the phone today who provided an e-mail to send the letter to and while they were very professional they could not provide me with a timeframe or a number to call to check on the progress of this.
Consumer complaint received 2024-11-07
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. (MI)

I have identified several items on my credit report that I do not recognize, suggesting that my identity may have been compromised. I did not authorize these accounts, and I have previously reported this issue. I am now requesting the immediate removal of these unauthorized accounts from my report. Their presence is causing me considerable distress and does not accurately reflect my credit history or financial responsibility. Resolving this matter has been difficult, and if it remains unresolved, I am prepared to take legal action to protect my rights. These inaccuracies are significantly impacting my ability to reach important financial goals, such as purchasing a home and supporting my family. I trust we can resolve this promptly.
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MN)

Starting in XXXX of 2020, I was charged a late fee by Comenity Bank for a XXXX credit card. As this was a one time issue, I tried contacting the company multiple times to discuss waiving the fee. I meanwhile, paid the balance on my credit card. After being put on hold numerous times and never reaching a person as well as sending emails, I was unable to reach someone. They started to tack on fees to the original fee. Again, I tried contacting them. Finally reaching a very rude individual who told me I needed to pay the full balance that had now accumulated. Meanwhile, I was receiving 3-4 calls a week from Comenity Bank telling me they were here to help me with any covid issues. I talked to one of them and realized they had no connection with the issue I was having. I am apparently on their call list as they see there is an overdue balance. They are so willing to help me in times of covid issues and yet they are charging me fees upon fees. They told me to send a complaint in writing. I did this through their website. In addition, I also called again and this time spoke to another person who told me I just had to pay all of the fees or this would never stop. I tried a 3rd call and reached a polite individual who reiterated what the comentiy callers had told me-to send it in writing. Since then, they have continued to tack on charges month after month. I now have a {$210.00} balance that is all fees, no purchases. I received a letter in XXXX thanking me for contacting them ( in response to the written complaint I filed ). Now they are asking for me to provide them with as much information as possible. I already did this the first time. There was no direct contact info or name for anyone I could contact. And again, they tacked on two more months worth of fees since then. I have invested enough time trying to solve this and watch as this balance grows from a {$24.00} fee to {$210.00}. I do not want to get stuck paying for something that is not owed and as far as I'm concerned is unethical. I was told by their representative originally that I had to pay even if I did not owe the fees. It appears they are involved in dishonest practices of charging fees on credit cards with no balances and harass the customers until they finally give up and pay.
Consumer complaint received 2021-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent countless letters to XXXX  and TransUnion about deleting two accounts from my Consumer report. I served both XXXX XXXX  and XXXX XXXX a Cease and Desist Notices asking the companies to stop furnishing my information to the Consumer Reporting Agencies. I need each account DELETED from my Consumer report ASAP.
Consumer complaint received 2021-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HW Holding, Inc (FL)

The account is more than 7 years old from a lease that expired/terminated in XXXX of 2014 from ex-wife and my name was to be removed from lease contract upon expiration of same. Per Fair Debt Collection Act the account should no longer be valid and/or in collection. Account lease terminated XX/XX/2014 however I keep getting collection statements from Hunter Warfield
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Received letter from XXXX dated XXXX XX/XX/2021 saying they denied an application for a XXXX XXXX credit card that I never applied for. I have called them 5 times to speak to their security/fraud team, have waited on hold for over 30 minutes every time and in one case over an hour, and have yet to get to anyone in their security team to dispute the application. I've told their customer service people about how that extension ( to their security service ) is a dead link, but there is no other contact phone number for them, and their online form you can fill out in case of fraud ( https : XXXX XXXX ) requires an active XXXX account ( which I don't have ). 

I need help getting this hard credit pull off of my credit report.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-02-18
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. (MI)

In accordance with the Fair Credit Repprting act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 166b A Credior May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2021-08-10
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)

This bureau reported misleading information and they trespassed my rights of privacy. They have failed to do their GRAVE RESPONSIBILITY which is to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. This is a direct violation of federal law. Their negligence has caused me distress and I'm seeking litigation.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : misleading false reporting you can not report late payments on a charge off XXXX XXXX  Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Experian is currently reporting information that is incorrect and publishing it on my consumer credit report. I have contacted them several times in reference to this matter and they have not provided the requested information with my signature on it. Also, the balances on the accounts and the payment history are incorrect. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 6048 A, Section 2, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

The following accounts should not show late payments and the status of the account should be positive. 

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
Consumer complaint received 2024-11-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

XXXX XXXX XXXX XXXX was scam by a person who claim to be from XXXX as XXXX agent who scam the company out of XXXX thru XXXX payments
Consumer complaint received 2022-05-18
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXransunion has me at a score around XXXX That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-06-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: FORD MOTOR CREDIT CO. (TX)

In XXXX of XXXX  I went for pickup of the Ford XXXX i ordered through Ford a year prior. Upon pickup there was an additional mandatory fee added on to the transaction for {$3500.00} of mandatory aftermarket fees that could not be removed to complete the transaction. 

On XX/XX/XXXX, it was confirmed via email communication with XXXX XXXX that XXXX Ford XXXX XXXX management had approved the refund of the contested mandatory aftermarket fees and that Ford Credit would be paid directly for the refund. 

As of XX/XX/XXXX, the fees had not been refunded and I attempted to reach out on several occasions via writing to escalate for resolution ( attached ). No response was received and i filed a Consumer Financial Protection Bureau claim with FORD CREDIT initially to assist in driving resolution. 

Upon their response received in XX/XX/XXXXXXXX  ( attached ), they shared I would have to re-engage and file a complaint with Ford XXXX XXXX directly as they drove the man tardy fee and completion of the original transaction.
Consumer complaint received 2024-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I had an account with Bank of America which i closed in XXXX. XX/XX/XXXX an online merchant refunded an order i placed for {$720.00} and incorrectly refunded it to my Bank of America debit card ( debit card ending XXXX ) which was still in their system. I contacted the lender who showed that the payment did go through and was accepted by the bank despite the card and checking account being closed. they provided me with the XXXX number XXXX. If the bank had rejected the payment due to a closed account they would have been notified and could route to a current account but as BOA accepted the payment BOA needs to either reject the transfer or refund me. I've called BOA multiple times with this information and been told there is no way they could receive a payment to that account despite the merchant providing proof that they did.
Consumer complaint received 2021-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

I wanted a POD ( proof of death ) form and I contacted PNC 's retail support customer assistance department. I was told that I should go to a local ; branch. There isn't a local branch convenient so they told me to contact Ms. XXXX XXXX at XXXX and she needed info for the form. The info of the beneficiary needed was : Name, D.O.B., SS #, nationality, address & relationship. I've called her three times, get an answering machine which lists her hours and can not get a call back. Today I contacted PNC again and was again given Ms. XXXX 's hours ( XXXX XXXX XXXX  ) and to contact her. I've been a borrowing and checking account customer for over 20 years and can't get the common courtesy of a return phone call.
Consumer complaint received 2022-09-27
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.