davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-13
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)

In Accordance with the credit reporting act XXXX  Account # s Has violated my rights account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. XXXX  XXXX XXXX 2XXXX XXXX  XXXX  3XXXX XXXX  XXXX  4. XXXX  XXXX  XXXX 5.XXXX  XXXX  6XXXX XXXX 7.XXXX XXXX  XXXX  8XXXX XXXX  XXXX 9XXXX 10XXXX XXXX 11XXXX XXXX 12XXXX 13XXXX XXXX  XXXX 14XXXX XXXX 15. XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It Also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Trans Union credit reports has new personnel across the ocean that lies, doesn't do what there company objective is and doesn't do proper investigation even if it is right in front of their hardly speaking XXXX selves. 
1. XXXX XXXX on XXXX put Hard Inquirey on my credit report even though there was a credit freeze.

2. I called Transunion up and hardly could understand American credit reporting agencies personnel that valiantly lied then hung up phone. I called back and told them it would be impossible to out inquire in file because it has been frozen year 's. Then they demanded police report but police laughed when I called them and told them XXXX from XXXX hung phone up and demanded police report for hard inquiry that should have been impossible to out on. Finally I demanded fcra investigation section 609 and 611. Of course they didn't know what fcra was? Transunuion should be embarrassed to have XXXX representing them. They are XXXX XXXX. I want this hard inquiry off or the step by step investigation that is federal and state law.
Consumer complaint received 2020-09-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (OK)

In the process of looking for a mortgage, I was contacted by XXXX XXXX XXXX from quicken loans. We discussed our loan options but he was unable to provide an immediate loan estimate or good faith estimate of fees, at which time he requested we upload our signed purchase contract. He used this information to contact my Realtor XXXX XXXX, which I did not agree to, as well as sending our information to his loan officer as if we had agreed to proceed, which we did not. We feel harassed by his repeated callings and are afraid our personal identifiable information may be  leaked by this person.
Consumer complaint received 2022-02-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX XXXX  XXXX XXXX, it is plainly stated that a failure to investigate these items within XXXXdays gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX  you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-10-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (KY)

WHEN MY WIFE AND I BOUGHT OUR HOUSE, PART OF THE APPROVAL FOR OUR LOAN WAS THAT WE HAD TO PAY OFF A FEW OF OUR CREDIT CARDS. WE WROTE ONE CHECK TO XXXX XXXX  XXXX  WHO WERE THE ONES THAT DID OUR CLOSING, THEY CUT ALL THE CHECKS TO THE DIFFERENT ACCOUNTS WE WERE PAYING OFF. ALL OF THE CHECKS WE EITHER MAILED OR PAID IN PERSON, THEY ALL WENT THROUGH JUST FINE EXCEPT THE XXXX  ACCOUNT THAT IS THROUGH COMENITY BANK. I WENT INTO XXXX  AND HANDED CHECK NUMBER XXXX IN THE AMOUNT OF {$1500.00} IN PERSON AT THE CUSTOMER SERVICE DESK TO PAY OFF MY COMENITY/XXXX CREDIT CARD. I HAVE GONE IN THERE MANY TIMES AND PAID IN PERSON AND NEVER HAD A PROBLEM. THE XXXX EMPLOYEE AT THE CUSTOMER SERVICE DESK PROCESSED THE PAYMENT, HANDED ME THE RECIPT AND I LEFT. I RECEIVED AN EMAIL SHOWING A XXXX BALANCE. I RECEIVED STATEMENTS SHOWING THE PAYMENT POSTED AND I ACTUALLY HAD A SMALL CREDIT OF {$1.00}. 
ALL OF THE SUDDEN I START TO GET COLLECTION CALLS AND STATEMENTS SHOWING I HAD TO PAY AGAIN AS IF MY MONEY I PAID HAD COMPLETELY DISAPPEARED. I TRIED TO DISPUTE THIS WITH COMENITY BANK. I HAD TO INVOLVE THE ATTORNEYS OFFICE WHERE THE CHECK WAS FROM. WE ALSO INVOLVED THE BRANCH MANAGER FROM XXXX XXXX. THAT BANK IS THE BANK THAT XXXX XXXX XXXX USES. THEY SENT CERTIFIED LETTERS WITH THE BANK STATEMENTS, COPIES OF THE CASHED CHECK. IT WAS VERY OBVIOUS THAT THERE WAS A PROBLEM. AS YOU SEE ON THE BANK STATEMENT, THE CHECK WAS PAID ON XX/XX/19. THEN ON XX/XX/19 THE CHECK WAS ATTEMPTED TO BE PAID AGAIN WHICH WAS FLAGGED. ON XX/XX/19 THE RETURN CAME THROUGH TO WASH OUT THE SECOND ATTEMPT BUT THE ORIGINAL PAYMENT XX/XX/19 WAS PAID. XXXX XXXX AFTER TRACING BACK THE CHECK WITH SECURITY FOUND IT ODD THAT XXXX  WOULD HAVE TWO BANK ACCOUNTS. ONE WITH XXXX XXXX  AND THE OTHER WITH XXXX XXXX  XXXX. IT WAS STARTING TO SHOW THAT SOMEONE DOING THE BANKING EITHER MADE A MISTAKE OR DID STEAL THE CHECK. XXXX DOES NOT USE XXXX XXXX. THEY ONLY USE XXXX   XXXX XXXX. THE CHECK WAS PAID TO THE XXXX XXXX ACCOUNT. 
I WAS ABLE TO GET THE BANK ROUTING NUMBERS FROM BOTH BANKS WHERE THE CHECK WAS PAID OUT TO AND WAS ATTEMPTED TO BE PAID OUT TO. 
WE SPENT HOURS, DAYS AND MONTHS TRYING TO RESOLVE THIS. I AM ABSOLUTELY JUST FRUSTRATED. COMENITY WILL NO LONGER HELP ME. THEY HAVE NOW SENT ME TO COLLECTIONS. I NOW HAVE XXXX   INVOLVED BECAUSE APPERANTLY WHO EVER DOES THE DEPOSITS AS YOU CAN SEE IN THE EMAILS, HAS DONE SOMETHING WITH THE MONEY WHICH IS STILL UNDER INVESTIGATION. POSSIBILITY FRAUD BUT NOT SURE. ALL I KNOW IS I PAID THE BILL OFF. I WOULD LIKE THIS REMOVED FROM MY CREDIT REPORT PLEASE. 
THANK YOU. 

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 — Account information incorrect
Company: EQUIFAX, INC. (TX)

This account was settled XX/XX/2020, however my credit report is showing that I still owe a balance of {$800.00}. I have received a letter from XXXX XXXX Cardmember service verifying this and I am attaching it. 

My balance is XXXX. I have disputed this before but XXXX XXXX fraudulently claimed I still had a balance. They also agreed to correct this two months ago, but have not done so.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/year>
Consumer complaint received 2020-07-08
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: Experian Information Solutions Inc. (FL)

Re : Removal of Fraudulent addresses To Whom It May Concern : On XX/XX/2020, I received a copy of my credit history report from Experian. That report contained incorrect information reported by you. 

I have addresses listed on my credit report ( s ) that resulted from crimes of identity-theft. Having the following addresses listed on my credit report ( s ) has made it difficult to verify my true identity with creditors. It is a violation of the FCRA to have inaccurate information or reporting information deemed as fraudulent. I also provided a copy of an FTC Report to help substantiate the legitimacy of this dispute. I request that all addresses listed below be remove within 15 days. Failure to comply shall lead to complaint 's being filed with XXXX XXXX XXXX, Consumer Financial Protection Bureau, Federal Reserve, and other advocacy groups. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Fl XXXX
Consumer complaint received 2022-08-06
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. (MS)

I have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Regardless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal and deletion of the unauthorized inquiries listed below : 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
Consumer complaint received 2021-05-19
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: EQUIFAX, INC. (TN)

I have contacted all three Credit Bureaus/Agencies XXXX XXXX Equifax, XXXX XXXX and the Creditors ( Bankruptcy Chapter XXXX, XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2022-03-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TRUIST FINANCIAL CORPORATION (VA)

My XXXX XXXX credit card send me a check so I can use without interest for 18 months So I deposited that check on to my truist bank checking account on XX/XX/2022 They ended locking my checking account cinse that day. I have been calling every day so they can fix that. They keep saying that the check will be return. And know my credit card needs to get a minimum monthly payment. Can you please help me out or tell me what to do thanks Sincerely XXXX XXXX XXXX XXXX or XXXX XXXX
Consumer complaint received 2020-09-03
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: CBC Companies, Inc. (NJ)

Hello I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that should not be listed. 
The inquiry was made by Factual Data/XXXX on XX/XX/2018 and I have no recollection of doing any business with Factual DataXXXX. I did not consent or give any authorization for my credit report to be viewed by your company. 
Please investigate these inquiries, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,
Consumer complaint received 2021-05-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: KEYCORP (NY)

On XX/XX/XXXX I deposited a check for {$190.00} into my keybank savings account. Prior to this deposit I had {$15000.00} in my savings account. The following day I logged into my account online and saw that my balance was now $ XXXX. I opened my account and saw XXXX Atm deposit debit adjustment {$19000.00}. XXXX I went to my local keybank branch in XXXX NY and was told that there was a glitch in the ATM, and the system they needed to use to look at this glitch would not be accessible until Monday, XXXX this was Friday morning around XXXX XXXX. I was leaving Friday night through Monday for a vacation to XXXX Beach, and fortunately I had access to my checking account. However, I had several bills that were auto deducted from my checking account that weekend and therefore my account became a bit lower than I am comfortable with and I ended up having to borrow money from a family member in order to avoid using my debit card. Normally when my checking becomes low I transfer money over from my savings, but I was unable to do that this weekend. On Monday XX/XX/XXXX a representative from keybank called me around XXXX stating that they looked into my account using the system and the money would be deposited on Tuesday. The money is now back in my account, however this caused me a great deal of distress over the weekend and I wanted to report this so it doesn't happen again to someone else. Thank you for your time! 

XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2021-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received a personal email solicitation from Bank of America inviting me to open a checking account with {$50000.00} to receive a {$500.00} bonus after 60 days. We visited a local branch, presented the email and told the rep that we wanted to take advantage of the offer, We deposited {$5000.00} on XX/XX/XXXX. As of today XX/XX/XXXX we have NOT received the bonus money. We visited the local branch and spent over an hour with XXXX XXXX who agreed the money was due. XXXX called the bank 's main office and after an hour we were told that the issue would be investigated and to check back in 60 days. The branch manager XXXX XXXX agreed with us since we brought the original email, the notice of the original bank appointment and all receipts. She said they can not do anything. 
This is false advertisement targeting seniors since I am XXXX and my wife XXXX. 
You have to stop these crooks before other senoirs fall prey to their scam! 
Please help!
Consumer complaint received 2022-06-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC (TX)

I went to a XXXX XXXX XXXX XXXX XXXX XXXX in XXXX Texas on XX/XX/XXXX. The representative XXXX from XXXX XXXX through pressure selling convinced us to apply for credit in the event we decided to purchase from them. Because of the high pressure selling we left the show. She messaged us late advising us that she could take our financial information over the phone. She messaged us back on XX/XX/XXXX ( Sunday ), to see if we were still interested. She later called us back on XXXX XXXX and stated that since we had gone to XXXXXXXX XXXX which she was a representative, she could take our financial information over the phone. We were approved for XXXX not knowing anything about Greensky. She had told us that the hot tub we were initially looking at would be {$160.00} a month through this lender. She sent documents to be XXXX, but because I had not received financial details I did not complete or sign the documents. She contacted us on XX/XX/XXXX inquiring if we had signed the documents. I explained that I had questions regarding the loan and contract. On XX/XX/XXXX she texted me the number to Greensky. The representative was rude and unprofessional and told me that I would receive documents in the mail. I received the documents today XX/XX/XXXX. I have never signed anything with Greensky, and i now have a loan for {$15000.00} paying {$200.00} for 113 months costing me {$9000.00} over the life of the loan which will total {$24000.00}. The cost APR for credit is 9.99 %.
Consumer complaint received 2020-09-21
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)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2019-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (NV)

I complaint is the following against Wells Fargo 's response to this federal agency and to me. 

One : In the response, Wells Fargo mentions that it waived the interest charge. This was only done because it told the supervisor on the XXXX that I believed the account to be closed. He then waived the charge and proceeded to close the account. Wells Fargo makes it look like it was a charity and good will on their part. The whole story needs to be explained. 

Two : The author of the report did not listen to the entire call. This is a very important disclosure that should have been mentioned and reported in the report. This above fact in all honesty negates the report and incomplete and in accurate. 

Three : The report states that they representative told me that their was a request on th XXXX for the closure. Again not the whole story. The fact is that I called Wells Fargo mad as XXXX that the account was still not closed several days later. I was assured by the supervisor that the account was to be closed later that day. I was mad because the two requests did not happen. This is not in the report. I brought up the fact that I made the request for this account to be closed not once but twice not the Wells Fargo employees. 

Four : The lady in the executive office told me several times that they account was not closed in fact it was still open. She then went on to ask me if I still wanted the account open. This statement would not be made if she was aware of any closure requests because that would be a red flag to do more research to make sure that account was in progress to be closed. She further went on to ask if I wanted a replacement card and a new pin number. I told her that I wanted to account to remain open, but I thought that since I made the account to be closed request that it could not be reopened per Wells Fargo 's own policy. She assured me that it was open and their was nothing there to stop me from getting a replacement card and that I should receive that replacement card later. These facts are not in the report any where. 

Five ; Why are these people making misleading statements to a federal agency still employed by Wells Fargo? 

Six : Why are their 10 different letters from Wells Fargo employees on this complaint that states 10 different opinions? 

Seven : Why is not one employee and one department working on this complaint? 

Eight : The confusion about this complaint is not mine but on the shoulders of Wells Fargo. 



Thanks XXXX XXXX
Consumer complaint received 2022-02-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

We deposited checks into our savings account ( USAA ) but when the issuing bank ( XXXX ) erroneously decided to reject the checks, USAA gave us a {$20.00} fee as well as a deposit limit for XXXX  months. What happened was the check signer had a slightly different signature from the one on file, but it was all cleared up and XXXX said we could redeposit the checks with no problem. After speaking to numerous customer service agents and even the CEOs office at USAA about the issue, they decided that they didnt do anything wrong and their judgement stands. But because of the arbitrary deposit limit, we could not deposit the checks, forcing us to open a new account with another bank. This has caused us much anxiety.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.