davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
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. (FL)

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complain, and I'm including it again. XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (TX)

I was shocked when reviewing my credit report and found a 60 day late payment reported for XX/XX/2021. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (UT)

My business partner ( XXXX XXXX ) died XXXX XXXX, 2018. We had a business ( XXXX XXXX ) and a bank account at Wells Fargo account number XXXX. When XXXX died there was approximately {$8000.00} left in the bank account. We have been trying to get the funds released so we can close out XXXX XXXX with the IRS. This is our second complaint because the last complaint yielded the same results. Wells Fargo claims the account has been closed and the funds sent to the State of Texas. According to the State of Texas unclaimed property, the money from Wells Fargo is not there. We have been trying to get these funds released for almost 4 years and we keep getting the same run-around from Wells Fargo XXXX
Consumer complaint received 2023-11-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (KY)

XX/XX/2023 i was notified that my ex husband ( who was never on my account ) was trying to change my email so he could rob me ( again ). I immeditately called Chime and told them what was going on. They assured me everything was gon na be ok. it wasnt 10 mins after when i was notified that my email was indeed changed. I once agin called and they told me that they was handleing it. next thing you know {$5000.00} was taken out of my account by him. I disputed it and the IMMEDIATELY declined it. literally like 4 mins after. and right after that i called and they refused to put my email back to the original. How he verified himself to be is beyond me especially since i have to send it ids, pictures of me holding codes and my information atleast 6 times. I sent in screenshots of him telling me what he was doing to them, i sent in poice reports and everything then the proceeded to close my account and the reason was because i didnt follow direct deposit terms and agreements when in all actuality the only direct deposits that ever came to my account was from the Social Security Administration Office and from the IRS so that doesnt even make any sense. They had to close my account because THEY messed up. XX/XX/2023 they closed my account. I had {$1900.00} in my credit builder, {$100.00} in my checkings and {$1500.00} in my savings along with $ XXXX that was being disputed at the time ( which i was approved for ). They sent me 2 checks that apparently was fake and i was arrested because once again they messed up. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because THEY SENT ME 2 FAKE CHECKS!!!!!! I have called XXXX and emailed XXXX times already they keep saying someone will email me and they put it in the notes that the email on the closed account was fake and to send it to my original email buti havent gotten anything from them at all. they owe over {$10000.00} and its not fair that I am being robbed by both parties and i worked hard for my money. I want my money. But to make it even crazier after i told them they were sending it to the wrong email and that i was a XXXX  XXXX victim on the run they continued to send my conversations to the fake email and one of those emails incuded my address, which he saw and started threatening XXXX XXXX XXXX XXXX XXXX. I cant even find a new place because they have my money!!!
Consumer complaint received 2022-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TRANSUNION HAS FAILED TO PROPERLY INVESTIGATE MY DISPUTE IN REGARDS TO THE PUBLIC RECORD ON MY TRANSUNION CONSUMER FILE THEY CONTINUE TO MISLEAD AND VIOLATE MY FCRA RIGHTS .. CASE NUMBER # XXXX WAS WITHDRAWN BY THE UNITED STATES BANKRUPTCY XXXX XXXX IVE FILED NUMEROUS DISPUTES, AND THEY ARE OVERLOOKED IVE EVEN CONTACTED TRANSUNION 'S 3RD PARTY VENDORS, XXXX AND XXXX... AND YET TRANSUNION VIOLATES MY RIGHTS AND GIVES ATTORNEY GENERAL MISLEADING INFORMATION.
Consumer complaint received 2022-09-08
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CONST LLC (MD)

I opened an account with XXXX, invested over {$1000.00}. A few months later, they said they did not have the funds and that instead of filing for XXXX they were going to give back 30 % of my investment. Advertising said that my investment was backed with a 110 % guarantee.
Consumer complaint received 2022-12-04
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

I has not had a modification since XXXX. I made XXXX of the XXXX required payments to complete the modification. I lost my job and could not make the XXXX payment. I found a job and then continued to ask for a modification because I can now afford to make the monthly payments and I have been denied since XXXX. My mortgage is really behind because I have not been granted another modification. My mortgage company always say that they will foreclose on me. I have filed XXXX XXXX bankruptcy to save my home 3 times. I couldnt afford the bankruptcy payment because their payments were extremely too high. I am requesting a modification to put all behind payments on the rear of the mortgage but I keep getting denied.
Consumer complaint received 2022-09-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

Procollect hhas been placing, removing, and returning debts to credit report, doing damage to my credit. Company has been complained about by myself in the past ( Complaint XXXX ) but has done nothing but even use the CFPB complaint to try to collect the debt and did nothing to address my initial complaint. Company has failed to comply with FDCPA regulations relating to debt collection, including failing to provide proper validation as required under the FDCPA and XXXX XXXX of the Texas Finance Code, merely sending a copy of a statement instead of full information that authorizes them to collect the debt. 

Recent issue involves the reporting of debts. Procollect removed their debt from my XXXX report on or before XX/XX/XXXX, when such change was detected. Procollect returned the debt to my report on XX/XX/XXXX.
Consumer complaint received 2022-09-08
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. (IL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/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 2022-06-07
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. (CT)

On XX/XX/XXXX I spoke with a representative from both Transunion and XXXXXXXX XXXX XXXX in regards to a collection item on my credit report. First call was to Transunion and the representative said that I needed a letter from the XXXXXXXX XXXX XXXXXXXX stating the account was paid off in full. She also said I can mail it in or submit a dispute online. Second call was to XXXXXXXX XXXX XXXXXXXX. I spoke with a representative and she stated she will mail out a letter and would arrive in XXXX weeks and I said that is fine. On XX/XX/XXXX I submitted a dispute online on Transunion website and attached the letter received from XXXX XXXX XXXXXXXX. I received a email confirmation that if a dispute was submitted online something would arrive in the mail, but nothing came. On XX/XX/XXXX I submitted another dispute on XXXX XXXX website for the same issue because nothing changed. On XX/XX/XXXX I received a email that it was updated, but the only thing that was updated was the balance and not taken off my report. I called Transunion on XX/XX/XXXX and spoke with the representative and informed her what was going on and she said you need a letter from the collection agency stating to take it off your report and I told her that they do not provide such letter. I had asked why is this the first I'm hearing of this and why was the letter provided to them was not acceptable to take it off my report as initially stated on XX/XX/XXXX. She couldn't answer and I demanded a supervisor. Once connected to the supervisor I told him what was going on and he proceeded to say another letter was needed and I once again stated the collection agency does not provide such letter. He basically said there is nothing I can do about getting this of my report besides getting another letter that do not exist for XXXX XXXX XXXXXXXX. I'm just overly exhausted and frustrated about this issue. Hopefully this complaint help with this exhausting issue with Transunion.
Consumer complaint received 2022-09-13
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: Experian Information Solutions Inc. (AL)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX BANK can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX BANK reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers 46160811**** Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract.

I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Consumer complaint received 2022-08-19
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. (AL)

This is my10th endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/2022 XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$77.00}
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (NE)

I selected that I do not want overdraft coverage through the US Bank app. This led me to believe that if I had insufficient funds then the charge would be declined and I would avoid an overdraft fee. However, unbeknownst to me, that does not include recurring charges. The app did not mention that some recurring charges could still process. Hence the reason I had 2 charges come through which I received fees for. I have called US Bank multiple times to rectify this issue and they refuse to waive the fees. I believe this to be a UDAAP violation since they were deceptive in never telling me about recurring charges potentially coming through.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

Account : XXXX, AMOUNT {$510.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$530.00}, ACCT # XXXX ACCOUNT : XXXX XXXXXXXX, AMOUNT {$650.00}, ACCT # XXXX ACCOUNT : XXXX XXXX, XXXX {$770.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$970.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$1300.00} XXXX ACCT XXXX XXXX ACCOUNT : XXXX XXXX, AMOUNT {$550.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$520.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$390.00}, ACCT # XXXX ACCOUNT : XXXX XXXX, AMOUNT {$970.00}, ACCT # XXXX ACCOUNT : XXXX XXXX, AMOUNT {$950.00}, ACCT # XXXX ACCOUNT : XXXX XXXX, AMOUNT {$180.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$270.00}, ACCT # XXXX ACCOUNT : XXXX XXXXXXXX, AMOUNT {$680.00}, ACCT # XXXX ACCOUNT : XXXX XXXXXXXX, AMOUNT {$430.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$730.00}, ACCT # XXXX ACCOUNT : XXXXXXXX XXXX, AMOUNT {$6900.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$1200.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$1300.00}, ACCT # XXXX ACCOUNT : XXXXXXXX XXXX AMOUNT {$1400.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$3900.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$940.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX {$780.00}, ACCT # XXXX ACCOUNT : XXXXXXXX XXXX, XXXX {$1400.00}, ACCT # XXXX ACCOUNT : XXXX XXXX, AMOUNT {$930.00} XXXX ACCT # XXXX Inquiries : Here is the list with the credit bureau names removed : - XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Consumer complaint received 2022-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have had my XXXX XXXXXXXX credit card through Bank of America since XX/XX/XXXX. Prior to XX/XX/XXXX I have had no issues with the auto pay function on this credit card. I pay the full balance every month using auto pay since I opened this credit card. In XX/XX/XXXX I was informed that I had not payed my minimum balance and my overdue balance would be sent to a collection agency per the call I received from Bank of America, of which I received many during a work day in which I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. When I asked the caller if this could wait until I was off work she informed me that the debt would be sent to collections if I was unable to pay at that time. So, despite the critical nature of my job and the public setting in which I was in, I had to confirm the caller was legitimately from Bank of America and upon checking saw that my auto pay settings were no longer in effect, an issue which the Bank of America representative could give me no reason for. In the middle of my workday and in a public space I had to then provide my banking information to ensure that my full balance was cleared. I was told this would take several business days to process. 

Several days later I received an email from Bank of America that I still had an outstanding balance. I then went online and saw none of my information was updated and had to again put in all my banking information and set up a payment for the current full balance. The next day I called Bank of America to confirm they had received my payment, they informed me, yet again, that they had not and I had to speak to a representative giving my banking information yet again. I informed them of the strange circumstances of my auto pay settings no longer being in place and they said they would waive the interest and late fee. The next day I find that Bank of America had charged me twice, totaling nearly XXXX dollars. I promptly called Bank of America and was informed that I could not get my money back for at least five business days and at that time a check would have to be mailed to me for nearly XXXX dollars. I stressed the importance of this double charge being an error on their end after an initial error concerning auto pay that was putting me in stressful financial situation. The Bank of America representative recognized my concerns but was unable to help me get my money back at that time. I proceeded to continue to use that credit card to use up the negative balance at which time I was planning to cancel the card due to the multitude of errors. Then in XX/XX/XXXX I was again charged twice the amount of my total balance. I bringing this recurrent double charging performed by Bank of America and the ongoing auto pay malfunction issue to consumer finance 's attention.