davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am not able to access my Trans Union Credit Report. I called Trans Union several times for help, regrettably Trans Union kept transferring my call to various departments but the issued remained the same.

I did inform Trans Union several times that I have been a victim of identity theft in 2016 and is facing issues since then, unfortunately when I tried to create an account to access my information, as part of 2 step authentication, Trans Union is sending an code to some email that does not belong to me. 

I have informed about this issue several times to Trans Union, since the email does not belong to me I am really concerned. Trans Union is doing nothing about this. 

I even informed them that I will be filing a complete CFPB, yet no help.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

American express has closed my credit card and refuse to refund the credit balance on my account due to their XXXX bias against me. 
When I called them to request this credit they insulted me with XXXX slurs.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (TN)

XX/XX/XXXX I did a XXXX XXXX  transfer the money was taken out of my savings account and never put back I cancelled the transaction and called Wells Fargo they said it was never taken out took my name and hung up still waiting on my money to get put back in my account
Consumer complaint received 2023-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is a complaint I am submitting to you today to inform you that I have been a victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT # XXXX. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Please remove the following fraudulent items : 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 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. According to FCRA Section 605B ( a ), the Credit Bureaus shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. With the rampant issue of identity theft spreading across the country, I was not spared from the identity theft 's cruelty thus leading to me being an unfortunate victim. Please remove the disputed items off of my Credit File.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

Hello my name is XXXX XXXX, I used to be a customer of Wells Fargo, when I started working back in 2019, I decided to let my paycheck go to Wells Fargo bank. I use an XXXX XXXX so I have subscriptions that I was paying for and also other things that I was paying for, once the payment was being made, I would start to notice that the payment was being deducted from my account twice. I didnt understand what was going on so I called Wells Fargo and explained what was happening and they said that sometimes the payment doesnt clear right at that moment so it may take it two or 3 days after the post payment. This happened frequently, even when I was no longer working anymore I tried to keep money in my checking account but they were withdrawing from the account more than it was supposed to be and then I got hit with unwanted overdraft fees. My balance was at {$150.00} maybe {$200.00} now and it maybe more, they closed my account out and said I had to pay the money to have my account reopen, I dont know if more money was getting sent to that account or not but I can still login but I just have no account to view anymore.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am refilling the complaint to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, and my name is XXXX XXXX. My birthdate is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2023-01-20
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 (CA)

On XX/XX/22, my XXXX account was charged {$99.00}. I immediately tried to contact the company, XXXX XXXX, who made the charge. I had no idea what the company was and I knew I hadnt bought/ordered anything from them. When I called the number, it was a number that was not in service. I then contacted Wells Fargo Fraud Department to let them know that the charge was not authorized by me. Wells Fargo told me they would look into this, credit my account and let me know the outcome of their investigation. My account was credited on XX/XX/22. On XX/XX/22, the charge was put back through my account and debited from my funds. I contacted XXXX again to find out why. They told me their investigation concluded that I had made the charge and it was my responsibility to pay. Also that I could write a grievance letter and see what happens. I reiterated that I had not made the charge but they would not help me any further. Im appalled at how they have handled my case and taken my money. There are several other charges that I have disputed but have gotten nowhere with the bank.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo was laundering money by making deposits into customer accounts, I happened to be XXXX of those customers and spent the money, they froze my account and demanded the money back, they locked me out of my account, and have never been allowed back to there bank, but of course, they never reported it ... ... .....
Consumer complaint received 2023-01-20
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: Experian Information Solutions Inc. (GA)

The following inquires were not approved and I do not recognize the accounts. 
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 2023-01-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (AZ)

The complaints are never resolved by the executive office or the new individuals who are assigned, We need more months to stall in the closing of my banking account and my XXXX case settlement. 

I want to know why Wells Fargo I was asked by an unknown person on a Saturday what my SS was? I replied I don't provide my SS. Wells Fargo is closed on Saturday 's This unknown became hostile in response. I received another call on the following Wednesday morning, same attitude and nasty. 
I informed her I would go to the branch near my residence. I reported the name of the Wells Fargo hostile employee. The name of the next Wells Fargo person was XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX, AZ XXXX. Same attitude. I was the only person in the bank. Quite overwhelming for her to addrress my normal issues with Wells Fargo that never resolves issues, not caused by me. This woman was just as nasty when I told her I could bring in my docs for verification. She accused me of making her go through my legal docs. I informed her I would bring them in to end this ongoing activity. This person staged fights. Why is this person there? 
PLEASE RESPOND I left once again. 

The following day I tried again at the XXXXXXXX XXXX  XXXX XXXX down the street in XXXX. I brought my AZ XXXX XXXX XXXX issued Marriage License FOR THE 3RD time to send into the Executive Office. PLEASE EXPLAIN WHY MY MARRIAGE LICENSE IS NOT ACCEPTABLE? 

Why is there a continual problem that you can't establish my identity to settle my XXXX? Please explain! 

The governement needs to know your calculated abuse of me. 
Why? 

I WILL NOT OPEN UP ANOTHER CREDIT CARD WITH WELLS FARGO. 
EXPLAIN WHY MY IDENITY IS A CONCERN IN MY XXXX SETTLEMENT? 
YOU CONTINUE TO DENY ME MY RIGHTS OF IDENTITY. THIS IS THE 3RD TIME HARASSING ME, A CUSTOMER WHEN ALL LEGAL DOCUMENTS HAVE BEEN PROVIDED. THIS IS CONTINUAL HARRASSMENT? 

EXPLAIN WHY TO ME AND THE GOVERMENT. 
EXPLAIN WHY YOU SEND RESPONSES TO ME THAT YOU CAN'T ESTABLISH MY IDENTITY? 

EXPLAIN WHY THE PERSON CALLED XXXX AT THIS BRANCH DOESN'T HAVE WELLS FARGO BANKER CALLING CARDS? 

WHO IS THIS MAN? WHY DID THIS MAN TELL ME NOT TO RESPOND TO WELLS FARGO LETTERS? WHY DID THIS MAN TELL ME TO NOT ANSWER MY PHONE TO CALLS? 
ANSWER WHY HE IS HARRASSING ME? WHY IS HE FORCING ME TO OPEN UP A NEW VISA? HOW MANY ACCOUNTS HAVE BEEN OPENED UP UNDER MY NAME? 

THIS IS ABUSE!!!! 

PLEASE ANSWER TO THE CFPB AND TO ME WHY WELLS FARGO HASN'T BEEN SHUT DOWN? 
I WANT MY SETTLMENT CHECK! YOUR INTENT IS TO NEVER RESOLVE THE BANKING ISSUES YOU HAVE CREATED IN MY LIFE! 













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Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (CA)

I made charges on my American Express XXXX card with closing date of XX/XX/XXXX totaling {$2300.00}. The payment due date for this bill was XX/XX/XXXX. I missed the payment due date, I made a payment of {$2300.00} on XX/XX/XXXX, three days after the due date which was the full statement balance. On my XX/XX/XXXX statement, I was charged a late fee of {$29.00} and interest of {$85.00}. The XX/XX/XXXX statement had a balance of {$6400.00} due XX/XX/XXXX. I made a payment of {$6400.00} on XX/XX/XXXX before the due date ; I paid less than the full balance because the late fee of {$29.00} was reversed and credited back to me. When I received my XX/XX/XXXX statement, I was surprised to see another interest charge of {$110.00}. This didn't seem right so I went back and calculated the interest that I would have expected to owe. I 'barrowed " {$2300.00} from XX/XX/XXXX until my payment on XX/XX/XXXX at an annual interest rate of 25.24 %, so, $ XXXX ( 28 days/365 days ) * ( XXXX interest ) = {$45.00} is the interest I would expect to owe. I was charged a total of {$190.00} in interest!!!! More than 4x the actual interest owed. I called Amex customer support twice. I was able to get the fee reversed and they offered to return an additional {$40.00} in interest but that never happened, they also offered to have someone call and explain the interest but that never happened either. I am owed {$150.00} from American Express as well as an apology.
Consumer complaint received 2023-01-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (NC)

After viewing my credit profile I seen an discrepancy with National Credit Systems Validation was requested XX/XX/2022 and XX/XX/2022 and the account continue to reflect on my credit report. They have failed to validate after multiple attempts have been made to them via myself, XXXX, and XXXX. I do not believe this account belongs to me nor do I believe the creditor has authorization to attempt to collect on the account. The account continues to negatively affect me. Please strike and remove this from all 3 credit bureaus until adequate validation has been received, proving that the account belongs to me and all the information is correct.
Consumer complaint received 2023-01-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (IL)

I provided a {$0.00} tax bill and XXXX VA XXXX saying I'm 100 % XXXX and also 100 % retired from XXXX. They continued to miscalculate my mortgage and charge me for property taxes I am not responsible for. They are holding {$22000.00} of my money for taxes I have a {$0.00} bill for and have initiated XXXX XXXX on me for my complaints. 

The mortgage company doesnt answer my calls. They actually owe me money but are accelerating because i failed to make only XXXX payment for less than they owe me.
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I made a purchase from XXXX with this Citizen 's XXXX credit card in XXXX XXXX  I made a payment of {$96.00} on the account and then decided I wanted to return the purchase with the intent of making another purchase immediately after the account was credited. XXXX promptly accepted the return and credited the account, {$1500.00}, leaving me with a positive balance of - {$96.00}. While making the next purchase I was mistakenly informed that the account was over my credit limit and received a fraud prevention email from the bank saying to contact them. I immediately contacted the bank and the case was escalated on XXXX XXXX XXXX I was told that they would contact me within 4 business days. It is now XXXX business days from then and I've received no contact from the bank, by either email or phone. When I call, they tell me that the case has been escalated.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MI)

I saw in XXXX online that Wells Fargo may own customers money for fees being charged fraudulently. My accounts were closed out in XX/XX/2016. I always felt something didn't add up with my balances but I had no way of providing it. So I'm submitting this claim to investigate to see if any fraud was committed against my accounts.
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Trans actions and expiration IRS deems charge off as income Income is not to be reported Im a consumer a natural living man all debts are an obligation in the United States I do not consent to the sharing of my non public information it is no ones business Portfolio Recovery Associates is using my credit report to extort me this is income not debt there using my credit report to extort me this is income not debt I did not get the full disclosure to opt out. I do not consent to the share in of my non public information. This is a transaction and experience that took place between Portfolio Recovery Associates and I and its no ones business. Why is it on my report there using the credit report to extort me, defame my character and tarnish my credit worthiness. Youre furnishing deceptive forms. You are committing a crime. Its discrimination.
Consumer complaint received 2024-10-31
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. (CT)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
" XXXXXXXX XXXX  '' using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C. $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer report.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2022-10-03
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: EQUIFAX, INC. (GA)

All of the inquiries listed below are fraudulent and are being reported to my equifax credit report which is against consumer law. 

Equifax XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-10-03
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: Experian Information Solutions Inc. (TX)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious accounts. I think you have not validated these accounts 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 COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$4000.00}