davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

CFPB complaint # XXXX, filed on XX/XX/2022, about unauthorized hard inquiry from XXXX XXXX XXXX XXXX XXXX response to XXXX on XX/XX/2022 was a courtesy to " delete the credit inquiry ''. It still is still being reported on the Transunion credit report.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (IL)

I have previously disputed with yall about an account that you guys have furnished on my credit report. As a result of my dispute, yall said the account was to be removed from the credit bureaus within 60 days. It has been well over 60 days and this account has still not been removed. 
CREDIT ACCEPTANCE CORP XXXX Balance : $-
Consumer complaint received 2023-04-17
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. (FL)

The credit bureaus are violating my rights not obeying the laws in place by the fair credit reporting act. Ive sent Transunion, XXXX and XXXX certified mail 3 times XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX explaining i have not had a proper investigation performed and how they are violating the fair credit reporting act. These consumer report agencies are in violation.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus dont have written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 a person shall not furnish any information related to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to consumer to any consumer reporting agency If ( i ) the person has been notified by the consumer, at the address, specified by the person for such notices, that specific information is it accurate; and ( ii ) the information is, in fact, inaccurate.

They also didnt even record the current status of the disputed information which is another violation.

I can go on and on. 

The credit bureaus have no respect for the laws. 

Somebody needs to be held accountable for this
Consumer complaint received 2023-04-17
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. (NY)

I sent my letter to the credit bureau stating that these accounts are false and aren't mine and to please " investigate '' every piece of information on the accounts that I have listed. Also, I have attached the letter that I sent out most recently. According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or livelihood is obtained through personal interviews with neighbors, friends, associates of the consumer reported on or with others whom he is acquainted or who have knowledge concerning any such items of information. I need a proper investigation completed along with every piece of information reported 100 % accurate pursuant to FRCA 15 USC 1681.

They violated my consumer rights numerous times according to 15 USC 1681.

According to 15 USC 1681 section 602 A states I have the right to privacy.

According to 15 USC 1681 Section 604A Section 2 it states a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 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 accurate Please delete these accounts : XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

On XX/XX/XXXX our accounts were closed out for my minor daughter student joint account and saving because of some kind of electronic check deposit into her savings account. I called Bof A over 12+ time to indicated was fraud we have no knowledge of what check and wanted to get more info and see how they were going to assist us as the victims but they treated us like complete criminals. Bank of America gave me the runaround for several days including today. final i was able to file a fraud case with Bof A and the case # XXXX was closed out the same day with no resolution. i file other complaints with Bof A with no resolution as well. XXXX and XXXX. no response at all i even went in to the branch to indicate i filed a police report and did some research etc. they didn't care indicating we can open another acct until XXXX. 

I filed a police report because BofA sent a Copy of the check that went into the acct. the check did not come to us we did not physically receive it and it went into her account fraudulently, electronically and electronically signed the signature is not her she is a minor she does not have access to that kind of money $ XXXX, and the money does not belong to us. and Bank of America refuses to help me and all they do is just keep transferring me around I get different stories from everybody every time I call. this doesn't make any sense this affected her direct deposit from her job XXXX 's where she makes under {$300.00} cuz she's a student and then we had to wait several days and figure out how to pay ck cash her check. None of my calls are documented and each representative gives me a different story they are handling fraud cases like they're just there to collect a paycheck and not do any work on fraud. 

my police report # is XXXX, they took copies of the docs from Boa A, on XX/XX/XXXX. XXXX XXXX XXXX XXXX the XXXX police dept # XXXX XXXX  XXXX, fax XXXX email XXXX. 

FDIC regarding your banking concerns on XX/XX/XXXX. Your case number is : XXXX
Consumer complaint received 2023-04-17
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: T.S. Holdings (NV)

On XXXX XXXX I.Q. Data International attempted to fraudulently collect a debt of XXXX. Not only did they attempt to collect, but they also caused damage of my GOOD NAME by reporting false signatures and fraudulent information to XXXX, XXXX, and XXXX XXXX. I did not give them permission to discuss or disclose anything about myself or my personal credit. They are violating Consumer laws 15 U.S. CODE 1692 ( d ) & amp ; ( e ), 15 U.S. CODE 1681 ( b ) & amp ; ( c ). I will also bring a cause of action for tortious interference against the acting parties involved and seeking penalties under, 15 U.S.C. 1640- Civil liability section ( A-L ) monetary damages to be proved at trial. I demand that they stop this predatorial misconduct ; revoke my signature for all unauthorized usage. I have my own dividends to shield and will strongly do so.
Consumer complaint received 2023-04-18
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/2023 at XXXX I received an email, a text, and a phone call from Wells Fargo Bank stating fraud detection on my account. I checked my account and sure enough there had been multiple fraudulent charges totaling {$3100.00}. There were multiple ATM transactions and two purchases with cash back at a XXXX grocery store. I immediately got on the phone with Wells Fargo told them I still had my card in my property, but that I did not make or authorize ANY of these transactions. Someone also got into my online account and changed my daily withdrawal limit to {$2000.00} and moved money from one account to another. We immediately closed all associated accounts and cards and I was told in 7-10 business days I would have my money back. That was XXXX  night. Two short days later I was alerted that my case had been denied as fraud due to the fact that I still had my card in my possession and the transactions were made not too far from where I live and was now closed. I made multiple attempts to contact the bank. I called XXXX  times and each time was on with them for over an hour as I was transferred from one person to the next each one stating they couldn't help me. Finally on Thursday, XX/XX/XXXX an escalation specialist told me she had assigned a manager to my account and I would hear back within 48 hours. On Friday XX/XX/2023 I went into a branch and spoke with a branch manager who told me he could have my claim re-opened. He called and spoke to someone and then told me the claim was already re-opened and that a supervisor was assigned to my case and he/she had 48 hours to contact me. 48 hours has come and gone and I've heard nothing. When I called back again this evening I was told there was nothing else they can do since the case was closed and that it was not in fact re-opened. I had previously requested the camera and video footage from the ATM 's in question and from XXXX, but they have told me that it will take 30 business days for me to receive this. They said they did a careful investigation into the matter, however they most certainly did not as they did not look at camera footage. They simply denied the claim. This is a lot of money and my livelihood that we are talking about.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX XXXX XXXX changed my car loan agreement without my consent. Someone in their office XXXX  my signature and changed the contract amount to get the car loan from XXXX XXXX who is now reporting on my credit report. I reached out to XXXX XXXX and they sent me documents with the a new payment amount and my XXXX signature for the new contract. I never agreed to the new contract or signed it. The original contract was signed by me on XX/XX/2019 for {$360.00}. They changed it on XX/XX/2019 and XXXX my signature on the new contract with the payment amount changed to {$390.00}
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ; XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$9700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-07
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (MD)

I applied for a Chase XXXX XXXX credit card and was turned down because of having XXXX new credit accounts open within the last 24 months. However, I have a credit score of over XXXX, make $ XXXX and many of the cards counting against me have {$0.00} balances and are from small retail stores ( like XXXX XXXX , XXXX XXXX , etc. ). There was no reason to be denied and applying for the card resulted in a credit pull which had a negative effect on my credit. Chase did not clearly advertise that having XXXX credit lines would result in a denial which I find is misleading and fraudulent. Two of the cards they are counting against me have been closed ( XXXX XXXX XXXX XXXX XXXX ) one of the other " cards '' is my ATM card!
Consumer complaint received 2016-08-11
Product: Credit card — 
Issue: Privacy — 
Company: AMERICAN EXPRESS COMPANY (FL)

Insufficient Response to American Express : # XXXX American Express and XXXX : # XXXX American Express is in possession of our power of attorney. We faxed it in per their consumer representative. Another customer representative said to mail hard copies to XXXX ( representing itself as American Express ). Now we have a letter claiming American Express and XXXX are partners and we have to now notarize the letter. We have received no notice of assignment to a third party debt collector like XXXX and there is no company called American Express/XXXX. Please have American Express forward their contract where it permits them to interact with other companies on our account. Thank you, XXXX
Consumer complaint received 2017-12-30
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)

While checking my personal credit report, which I acquired I notice an inquiry made by the below organizations on the listed dates. 

Since I have not, to the best of my knowledge, authorized anyone employed by those organizations to make an inquiry, they are not legally entitled to make the inquiry. Therefore, I request that you contact the concerned credit bureau and remove the unauthorized hard inquiry immediately, under the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. 

If you believe that you possess sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity. 

Credit Inquiries XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On :XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX Requested On :XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXXXXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Indirect We Inquiry from XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2017-12-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY (AZ)

I was faithfully paying my Wells Fargo bill since XXXX, when I unexpectedly had a major XXXX XXXX I was off work for 3 months for XXXX XXXX in XXXX. When I returned to work my hours were reduced. Wells Fargo made a agreement through phone conversation to pay certain amount and interest was lowered. The amount that was agreed was XX/XX/XXXX/mo. I was paying Faithfully that amount until out of nowhere they were calling me and saying I owed more money. I was confused because I never received notice of bill went up. Thereafter I was getting phone calls saying I owed more money. I contacted them by phone and they said the year was up with me paying that amount. I was never told a time limited on the agreed amount. I said what 's the point of all this time I was paying you and now your going to raise the interest and the amount I paid before is now going to go up again. What was the point of me paying all that time then. I told them they never gave me official notice of this change at all. I was upset and in tears because I asked them to work with me and they refused. Six months went by of them harassing me then I received a letter from their attorney stating to contact them to settle with them.. I did contact them and offered an amount {$2000.00} but they wanted the whole amount which I did not have and then they said I owed {$900.00} in legal fees. Which I was upset and in tears again an hung up. One month later I was served with this law suit in the amount of XXXX plus XXXX in their legal fees. Lastly, I just want to add my other debts have been and still are working with me. I feel I am being bullied and treated unfairly since I have been faithful to this company since XXXX.
Consumer complaint received 2016-12-13
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (TX)

A hold of {$110.00} was put on my american express server One VIP card Saturday XX/XX/2016 while checking into the XXXX XXXX in XXXX. I called the the hotel today Monday XX/XX/2016 to ask why the hold was still on my card when I checked out Sunday morning XX/XX/2016. XXXX advised they released the hold upon my checkout that it was my card merchant American Express Serve that still had the hold on my card. I contacted American Express Serve and they advised the could n't release the {$110.00} until XX/XX/2017, because the do n't have the authority to in their system. Even though I had the XXXX XXXX on the line and told them I had no other pending hotel charges. It 's a blatant attempt to keep my money on their books for at least 30 additional days, and I consider this flat out FRAUD ...
Consumer complaint received 2017-03-25
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

On XX/XX/XXXX of last year, I initiated a balance transfer of {$350.00} from my overdraft account with HSBC to a new XXXX credit card that I had opened. I received a notification from XXXX that it had been executed successfully and they added {$350.00} to my balance with them, but I never saw these funds appear in my HSBC account. I called HSBC to research it and they said they had no record of having received the funds. I called XXXX and asked them to look into it and a couple of months later I received a letter telling me that by their records, the money had been transferred to HSBC and so they were unable to credit me for that {$350.00} and that I should go back to HSBC. I 've been remiss in doing so, mainly because I tried once and I have no idea how to proceed, so I am now in a place where I have to still pay HSBC the balance of my overdraft, while also paying XXXX the {$350.00} I asked them to transfer. So I 've doubled that debt through no fault of my own. Please help me look into this and see how this can be resolved. Thank you.
Consumer complaint received 2017-12-30
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Called XXXX, XXXX on XXXX/XXXX/XXXX, on or about XXXX XXXX, to report XXXX payment will be late do to circumstances beyond our control and that payment will be made on or before XXXX XXXX, XXXX. I asked that the missed payment not be reported to the credit bureau. I asked for discretion in this matter. The agent stated that by law, the missed payment must be reported. I disagreed and asked to speak to a supervisor. A person came on the line that was extremely belligerent, argumentative and unkind. He spoke over me and scoffed at the idea of good customer service. I questioned whether he was a supervisor because of his demeanor and asked for his name. He said his name was XXXX and then he spelled his last name as " XXXX-XXXX-XXXX-XXXX-XXXX-XXXX '' Essentially, he told me to XXXX XXXX. He threatened to liquidate my home for the missed payment because he said the missed payment indicated I could not afford to repay the loan, so they would have to take the house. I indicated that since we have been in the Loan modification progam, this was the first missed payment. He said he did not care. I asked that the missed payment not be reported because we will be making the payment soon. He said it was a federal law that it had to be reported. I asked what law was that. He said I had to do my own research. Mean while he was yelling and very hostile and talking over me. He also was very offensive. I would like the recording reviewed and he be dealt with appropriately. I would also like an apology for the offensive behavior. Further, I would like the reporting to the credit bureau of the missed XXXX payment waived. The payment will be made on or about XXXX XXXX, XXXX. There is a discrepancy with the wages the payment will be made from and we will not have access to it until on or about XXXX XXXX, XXXX.
Consumer complaint received 2017-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (NY)

XXXX XXXX, 2017 my credit scores dropped 2 and 3 points with XXXX and XXXX.My credit scores should be at the excellent pinnacle by now, but are always being knocked down just beforte the excellent range. Is this intentional? to keep me from paying the lowest insurance rates. There is never an explanation behind these actions which make them suspect. My account balance on my mortgage payments are always reflected leter than they should. The previous complaints I made never offered me an explanation. Please put my credot scores to excellent where they belong and offer an intelligent explanation of any future changes that occurr.