davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

To whom it may concern, I, XXXX XXXX ; XXXX banked with Wells Fargo in 2019. I was notified by the PENNSYLVANIA DEPARTMENT of TRANSPORTATION that a check for vehicle Tax and Tags was fraudulently sent to them in my name. I purchased a vehicle from XXXX XXXX in XXXX of 2019. I provided XXXX XXXX with a deposit of {$5000.00} for the vehicle which the salesman XXXX explained to me covered the vehicle Tax and Tags. 

XXXX from XXXX XXXX asked me for my banking info on a piece of paper that verifies your information. I never at any time gave XXXX and or XXXX XXXX consent to add my signature and or WELLS FARGO checking and routing number to a cashiers check to submit to the PENNSYLVANIA DEPARTMENT OF TRANSPORTATION. The fraudulent check then bounced because I gave XXXX XXXX all my funds for a deposit. Now the State of Pennsylvania is stating I owe them over {$1000.00} or my license and vehicle registration will be suspended. 


This was done fraudulently without my knowledge and or consent. I would like WELLS FARGO to address the fact that I never was provided and or ordered checks from them. So how is it possible for me to write a check I was advised to take this issue up with Wells Fargo! I tried to do so to no avail.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Maintaining timely payments for this account has been a consistent practice, making it distressing to encounter issues that are not of my making. Urgent rectification of my account and removal of any erroneous information causing undue stress are strongly requested.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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. 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 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2018-03-06
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: EQUIFAX, INC. (FL)

I received a letter in the mail from this company saying I owed money and called them to confirm. My first call i spoke with a representative who told me this debt was for a house I rented and she spouted off an address where I have never lived. I then asked her for a copy of the leasing agreement so I could verify this debt. The representative became combative and asked me why did I need verification of the debt. I told her its my legal right for the debt to be paid and I wanted documentation. I have just now received documentation but out of a 20 page leasing agreement I only received 5 pages. NONE of which can verify that it was ME who this debt belongs too. There's no copy of my ID - no date of birth information or even my social on any of the incomplete paperwork that was sent. I would either like proper verification of this debt or I would like it removed from my credit report for failure to verify.
Consumer complaint received 2018-03-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX Spoke with rep XXXX at Bank of America. She refused to speak to me unless I stated I was not recording the phone call. She did not request permission to record the phone call, and she refused to shut off their recording of the conversation. The only thing she would do is to dump me into someones random voicemail. Considering her behavior on the phone I have no doubt I will NOT receive a call back. 



All of these actions on the part of BAC are illegal. Its obvious they dont want to be recorded because they are committing violations of Federal and State Law.

Weve already caught them and they have admitted on a recorded line that they have willfully destroyed documentation on this file once. What is BAC trying to hide? Are they going the way of XXXX XXXX in this illegal behavior? 


BANK OF AMERICA DEMANDS CONSENT TO RECORD BUT REFUSES TO ALLOW THE OTHER PARTY TO RECORD??? 


Bank of America has already been fine XXXX XXXX dollars over the past 10 years for XXXX   SERVICING. Bank of America is the MOST FINED SERVICER since the mortgage crisis  began. 


WHAT IS BANK OF AMERICA TRYING TO HIDE???
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (TX)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.
Consumer complaint received 2017-11-04
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Ridge & Valley Realty, Inc. (CO)

We actually have 2 accounts with this company since the largest is medical I am filing this under medical. I will file the other one on its own. The doctor office changed the insurance on 3 of our 4 family members. It overlooked doing so on my daughter. When we discovered the issue. We provided the current medical information multiple times, but it was never fixed. This in part was caused by me having a XXXX and struggling to communicate, but I did give them the new card. 

The bill was refereed to XXXX XXXX XXXX in Colorado XXXX CO. Here is their contact information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX. The insurance company offered to pay us if we paid the contracted amount due to the medical provider. XXXX XXXX XXXX rejected this idea wanting the higher amount due uninsured people rather than those covered by public assistance as our children are since they receive Social Security survivor benefits as well as private insurance. They also where demanding interest on the higher amount. In effect, they where seeking extra profit they where not legally entitled to receive. 

Instead of negotiating in good faith they choose to serve my Dad with legal papers informing him of the debt, that they where suing us, and revealing confidential medical information about our daughter. They would appear to have violated the Fair Credit Act and HIPPA in providing these written documents to my father. They had previously threatened to sue me personally but serving my father with documents related to a suite against my wife is outrageous. They informed the court they served me, but my time cards show I was at work at the time. They clearly served my dad.
Consumer complaint received 2017-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BMO Bank, N.A. (TX)

I signed up for a BMO Harris Smart Advantage Account on XX/XX/XXXX using a publicly available link on the BMO Harris website that promised to pay {$200.00} for new checking accounts. I have screenshots of the website page on the date signed up showing the promotional terms and conditions. I 've met all of those conditions, and BMO Harris refused to pay me the {$200.00} bonus as promised.
I spoke with two BMO Harris agents in XX/XX/XXXX and XX/XX/XXXX about this issues, and they claimed the bonus would be paid on XX/XX/XXXX which was approximately 120 days after account opening as specified in the terms and conditions. It 's now XX/XX/XXXX and still nothing. 

I chatted with another BMO representative on XX/XX/XXXX named XXXX. He was terribly unhelpful and unwilling to assist. He simply lied and claimed the bonus would be paid later in the month at some point. He could n't even provide a specific date, even though the terms and conditions clearly show the bonus should be paid by 120 days after opening, and other BMO agents confirmed so.
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MT)

I have called the company 3 times. XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, and XX/XX/XXXX at XXXX XXXX.

The company is Vanilla Visa Gift Card Customer Care XXXX XXXX XXXX XXXX, GA XXXX  Phone # XXXX I purchased a Vanilla Visa Gift card this last year. I put {$200.00} on this card. When I tried using it online it would not work on XXXX  and XXXX. With {$55.00} left on the card, it quit working even locally. I contacted the company and they said that they would send me a new card for the amount left on the card. That has been over a month ago. They still have not sent a new card. The last time I called the lady hung up on me.
Consumer complaint received 2023-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (VA)

I can not transfer funds out of my Coinbase account in spite of spending 1-2 hours on chat lines and dealing with multiple representatives. They are now employing the " Plaid '' system. I've had problems with Plaid so I'm not suprised that this very flawed money transfer system is not performing as advertised. XXXX Coinbase says it can transfer the money into my XXXX brokerage account it does not link -- and my XXXX account says that it is set up to receive a money transfer from Coinbase. I transferred money into Coinbase using my checking account but their system won't allow money from my Coinbase account back into the very same checking account from which the Coinbase account was funded. I get nothing but boilerplate responses from Coinbase 's representatives but my money appears to be locked in Coinbase and I can not get it out and they are doing nothing to assist me in a useful way.
Consumer complaint received 2017-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (AZ)

This is a complaint to Citibank regarding my payment on XX/XX/XXXX, paying off my balance in full and receiving confirmation in that regard.
On XX/XX/XXXX, I called Citibank regarding payments I had made previous to XX/XX/XXXX that Citibank had reversed. I have still yet to see the ACH reversal codes in this regard as I have requested via fax. On that particular phone call, I spoke with a representative in the payments investigatory department or equivalent named " XXXX '' about this issue as the previous representative was unable to assist me.
XXXX agreed to submit my payment over the phone from my financial institution in the form of a check draft or direct ACH payment. This was performed at approximately XXXX XXXX You can pull the recorded call to review that conversation.
On XX/XX/XXXX, four days later, I spoke online via secure chat with a representative " XXXX '' inquiring about why my balance was at XXXX, as well as the payment due section ( {$0.00} due ), but my available credit was not yet showing up at {$1000.00} where it should. I have copied this conversation to a Word document and will attach it to the appropriate section of this submission.
In this chat, I was clearly informed my payment to Citibank in the amount of {$990.00} has been cleared and received by Citibank, paying off the account balance in full. I specifically asked if Citibank has been paid this said amount and was told ( see the chat transcript ) " Yes, XXXX '', that they have been paid this amount.
This behavior is unacceptable. If I am told my payment has been received, Citibank has been paid, and effectively my account is paid in full, that is what I expect just as any other Citibank account holder would expect. I am demanding an explanation as to why I was lied to in this regard, and when my account balance will show as paid as I was previously informed.
Consumer complaint received 2017-11-05
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: Bread Financial Holdings, Inc. (IL)

Credit card with XXXX XXXX  was opened in my name fraudulently contacted card issuer advised decision would be made in 90 days have not heard back until they reported account is delinquent on credit report
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

I reviewed my credit reports and I show that there are inconsistencies with the way that a discharged chapter XXXX bankruptcy is showing on my 3 reports. I know that they did not get this information from the courts, so I am not sure why it is showing on my reports. I would like to have this information removed from my credit reports as soon as possible. One of my reports-XXXX indicates that I filed a chapter XXXX bankruptcy XX/XX/1830? The other two ( XXXX & Experian ) have dates that I would like investigated or removed. I'm just very confused, as I know that my state courthouse wouldn't even provide this information to credit reporting agencies anyway. I really appreciate all of your help on this! Thanks, XXXX XXXX
Consumer complaint received 2017-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (GA)

Debt not validated I contacted ERC to have them validate an unknown credit collection account ( XXXX # XXXX ) that I saw on my credit report. Upon asking them to validate the debt and send a signed copy of the contract with my signature on it they instead sent me a bill and documents related to the collection account but no signed contract from the original creditor
Consumer complaint received 2018-03-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Caliber Home Loans, Inc. (MD)

I entered into a HELOC with the XXXX XXXX in XX/XX/XXXX. XXXX put a lien on the property at the concurrent with the execution of the HELOC documentation. Later that year, I was forced to file a Chapter XXXX Bankruptcy due to the failure of my business, and I received no further communications from XXXX. In XX/XX/XXXX, My wife and I each received an IRS Form XXXX ( Cancellation of Debt ) from Caliber Home Loans indicating that the debt had been cancelled. I did an on-line search for Caliber and called the Caliber Customer Support number to clarify what the XXXX was and to request that the original XXXX lien be lifted. I assume that Caliber bought the debt from XXXX. The customer service rep could not find any listing for this loan in their data base and gave me a number for the lien/debt collection department. I called this number, got put on automatic hold, and eventually was disconnected. I tried calling 4 more times with identical results. I included the XXXX in my personal income tax filing for XX/XX/XXXX. I now have my house up for sale and have gone through a local Title Company to assist in getting the lien lifted. The Title Company was told by Caliber representatives that company might reinstate the debt collection effort.
Consumer complaint received 2018-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

All credit reports need be updated. XXXX  transunion and XXXX. On XX/XX/2018 A lender told me that XXXX XXXX on my transunion report.
Consumer complaint received 2018-03-06
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: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I opened a dispute with Citibank over a {$1000.00} charge by a merchant. The merchant did not provide the services paid for. I sent Citibank all the necessary evidence showing what was agreed on and paid for, and proof that such services were not received. Citibank marked the dispute resolved in merchant 's favor on XX/XX/XXXX, one day after they received the merchant 's response without proof of rebuttal, stating that the reason was a lack of credit slip showing that merchant agreed to credit me back. However I opened the dispute in the first place exactly because the merchant refused to communicate regarding a refund, which is a prerequisite for XXXX customer disputes. I called Citibank dispute department multiple times and multiple representatives there have told me various different things. For example, on XX/XX/XXXX, I was told that a referral had been submitted to the investigation team to consider re-opening the case and that'd I'd get a response within 5 - 7 days. On XX/XX/XXXX, with no response, I spoke to another representative who re-submitted the request and guaranteed a response within 24 - 48 hours. On XX/XX/XXXX, still with no response, I called again and they told me I'd get a response within 7 - 10 business days. On XX/XX/XXXX, still with no response, I called once again and representatives XXXX and XXXX both told me that they put in a request for manager callback for me and a dispute department manager would call me back within 24 hours. 24 hours later on XX/XX/XXXX, XXXX no response, I called Citi dispute back again and finally got a manager, XXXX, on the phone. Surprisingly she told me that the dispute case is still open ( contrary to what everyone else has said previously and what shows up on my Citi online account ), and that I have until XX/XX/XXXX to provide the credit slip or any additional evidence. She acknowledged that services paid for were not rendered, but reiterated that a credit slip was necessary for Citibank to continue the investigation. 

Citibank 's frequent delays and inability to actually investigate the case and issue a chargeback on the merchant while they all necessary evidence are unacceptable. Closing / stopping the dispute because of lack of credit slip is in itself contradictory to the purpose of credit card disputes. This is against Mastercard International Rule for " Goods or Services Not Provided '' under code XXXX.
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CO)

I have always paid my bill online every month with a bank and they always show that they receive my payment. however, one time this bank sent me notice in 30 days that they never received the payment even when the website said they did. This caused a late pay to show up on my report. Their website clearly stated when i made the payment that it was made on time. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.