davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX  : XXXX Transunion : XXXX.
Consumer complaint received 2017-08-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CO)

On X/XX/17 my account overdrew however I had the funds in my savings account to cover the transaction. Wells Fargo then charged me a XXXX overdraft transfer fee since they moved the funds from my savings account to my checking account. Then I had a transaction that hit my account which caused my account to overdraw once again and was charged a {$35.00} overdraft fee. Upon calling the bank, I was transferred to a different department where I voiced my concerns. Upon threatening to report to CFPB the rep didnt even know what I was talking about. She placed me on hold to notate the account then she then proceeded to tell me about the convenient services that I was signed up for and explained the fees. I told her it was n't very convenient beings that I was being charged to move my own money from one account to another. At that point I removed overdraft protection from my account and the rep agreed to waive the {$12.00} and half of my over draft fee. I told her I wanted the whole fee waived since I would have never had it in the first place if I wasnt charged the XXXX. She would not agree so I asked for her supervisor, she stated that she was the highest level of personnel I could get, I did mention that it was sad since she didnt even know what the CFPB was and that I was still going to file the complaint.
Consumer complaint received 2021-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I had a checking and savings account with Bank of America roughly about 3-4 years ago. I had this bank for quite some time and never experienced any issue with fraud much like I have never issued any fraud issues at all in my life. I had lost my information, due to losing my wallet, called the establishment to let them know. I did was I supposed to do as a consumer. They called me back and asked me if I was aware of any fraud and I let them know that my information had been stolen. Mind you this was years ago so I can not recall every aspect however I do remember calling to let them know it had been stolen and that they should have all these called recorded. They ended up closing the account which was fine because I was unsure of where my documents were as I did not have my wallet. I attempted to open a bank account for years after and was never told a reason as to why I wasnt able to open one until earlier in the year. I was given a number to call and reached to out to Bank of America to be educated that I had a fraud on my account. Which was weird because I had never been told that fraudulent activity took place I was only told if I knew about anything. I opened a claim because obviously I didnt know about it and need to open an account since I have things I need to take care of. They opened the claim and it took 3 months for me to find out they denied my claim. Once I asked why they told me that it happened on my banking app. Which was weird because I obviously never submitted a check for the said amount. I have been hung up on transferred to extensions that do not work, and been given a run around. I asked for proof of statements as well as proof at this said check and to no avail because I have not received either. I spoke to one woman who was telling me 2 different amounts. They said it was a XXXX dollar charge then it was a XXXX dollar charge. They can not supply me proof of either. I was told I would get the proof in the mail and all they sent me was the determination letter once again for the claim. This is all a mess and this is ridiculous. If you can not supply me proof then what is it that you are doing? Also I have proof of the phone calls and will need an email to send them too as they are not able to attached to a link. You will see how horribly Bank of America has handled their consumers and how there is no determination to handle this effectively.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

on XXXX i requested a description of the procedure EQUIFAX used to determine the accuracy and the completeness, including the business name, the address of the furnisher of the information contacted, and something bearing my wet signature to validate the accuracy of these inquries that has been wrongfully placed on my consumer credit report.XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX. this credit reporting agency has violated my rights under FRCA .EQUIFAX HAS STATED THAT THESE WERE INDEED FATS I DEMAND TO KNOW WHAT STEPS THAT WERE TAKEN TO CONCLUDE THAT THESE INQUIRES are FACTUAL..the violation listed are:15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings XXXX ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( b XXXX Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2018-10-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

XX/XX/2018 I noted in a recent comment of mine to the CFPB that queries about double and false billings are rarely answered by the Union Bank. I received a call from XXXX XXXX, an assistant in the president 's office, was very angry that I had sent a negative comment to the CFPB regarding accounting errors by the Union Bank. She said that in retaliation she was not crediting a {$330.00} payment to the Bank made in XXXX ; and it has been billed as owed interest, since then, instead of credit, for months. I am curious, of course, what happened to the money. I never received a check from the Bank for that amount, so we have to assume that she tucked it away in one of two unauthorized accounts manufactured by the Bank in my name, or treated XXXX, her office-mate, a recently expelled ( 10 year ) employee of infamous XXXX XXXX, for lunch, She apparently has impunity, and employees may be encouraged by management to supplement their salaries with a bit of buccaneering. 
Similarly, a query about a {$600.00} charge for appraisal that didn't occur, and was not authorized was ignored. Not the least, along with charges of false interest the imposition of a contract type that I rejected and emphasized didn't want, was misrepresented as a kind that I wanted, actually due to employee negligence : over XXXX forgetting to file the transfer. To cover up the error he induced us to sign the objectionable contract by misrepresenting an illegible copy. This Is now an added burden, with the Bank refusing to remediate the error. These aren't good people to deal with, especially if you are a senior. 
It was only after a large expenditure of time and numerous complaints that the Bank rolled back the accounting to last year and returned a substantial amount of money that was incorrectly accounted for. But the problems never stop. We continue to be harassed every month by telephone calls for payments that were already resolved. We believe that it is Bank policy to harass seniors until they tire and cease objecting.
Consumer complaint received 2018-10-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MO)

I was enrolled in an auto payment plan with Navient and they just stopped taking my payments out with out my knowledge and turned me into the credit bureau for non payments and I just found out. Now my credit score is too low to get assistance in refinancing. They also harass me by calling me at least 10 times a day.
Consumer complaint received 2018-08-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (TX)

My XXXX XXXX XXXX was financed through XXXX. It was totaled on XX/XX/XXXX. My insurance paid the claim on XX/XX/XXXX. Due to a denial in GAP insurance, there was a balance remaining after pay off. I was in contact with XXXX on several occasions to get the matter resolved. XXXX agreed to update my credit file if I paid 1/2 the remaining balance which I did on XX/XX/XXXX with a stipulation to remove the charge-off and remove the late payments ( see attached ). I wrote the terms on the back of the check which they accepted and cashed. The account is still showing late payments and as a charge-off on my credit reports.
Consumer complaint received 2024-10-07
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. (MA)

Please remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I would appreciate a notification once this has been done. Thank you for your prompt attention to this importantmatter.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-10-08
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. (LA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

Discover is recording a late payment from XX/XX/2019 on my account ending in XXXX. Ive called multiple times regarding this late payment appearing on my credit report to have it removed because its inaccurate & erroneous. They first told me it would be removed, then they told me it wouldnt be. I asked for an investigation regarding a phone call I had with one of their representatives who assured me that it wouldnt be recorded because of a discover error locking my username. However it has been recorded on my report for several years. Ive been reassured that it would be removed several times. It has not. Recently I spoke with them and they said its verified and theres nothing thats reporting inaccurately. They refuse an investigation into the phone call because they dont keep recordings over 12 months. So they refuse to prove that it was their error & refuse to rectify my credit report due to their mistake. Ive asked multiple times for an investigation, they have not provided any paperwork regarding an investigation. Ive pushed them on the phone to get something more definitive but they constantly hang up. It has been more than 45 days since Ive received anything written.
Consumer complaint received 2024-08-21
Product: Credit reporting 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. (IL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Consumer complaint received 2021-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (AR)

On XX/XX/XXXX, I received a letter in the mail from Online Information Services- a debt collection agency. There were two notices stating I owed {$620.00} for a utility bill from XX/XX/XXXX at XXXX XXXX XXXX XXXX in XXXX, TX and another for {$820.00} for a utility bill from XX/XX/XXXX at XXXX XXXX XXXX XXXX in XXXX, TX. Both utilities were from XXXX XXXX. 

I called Online Information Services to inquire because I had no clue what this was for. They said these accounts were both in my name and that the debt was owed. I have no idea what on earth this is about. I have never rented or owned property in XXXX, TX nor have I ever established any services with XXXX XXXX. The representative at Online Information Services said I would need to log onto the ftc.gov site to dispute the claims in order to have them resolved.
Consumer complaint received 2021-04-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

I was scammed by a fake investment company and then a fake law firm who said they would help me. Payment went through XXXX  and cashapp. My issue now is I feel like there are scams of people who say they can recover my funds as well. So I am very weary of the process here until a friend of mine who is very concern about my health that is deteriorating informed me of your service that you can help me put things right. 

I was contacted by what I thought Was a legitimate investment company named XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX they promised me fantastic returns on investment and we signed multiple contract agreements. Payments were in BTC through XXXX totaling {$55.00} USD. After they kept asking for more money I found the real XXXX XXXX and they ensured me that who I was dealing with is a scam ( I have the emails that show this ). 
An accomplice of theirs made as if he had fell to the scam with me and had me contacted by XXXX XXXX, a law firm that was going to help get my money back. I paid them $ XXXX in BTC through cashapp and after I got nowhere with them ( they made a big story and forged legal documents out of the XXXX XXXX I found the real XXXX XXXX and they assured me the email addresses that I was talking with were a scam.
Consumer complaint received 2021-04-27
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. (WA)

I sent certified letters to XXXX, Equifax and XXXX  post marked XX/XX/2021 and received return receipt on XX/XX/2021 regarding the validity of 4 accounts on my credit report XXXX XXXX XXXX  XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I have not received a response from any of the credit reporting agencies, these items should be removed immediately Best regards,
Consumer complaint received 2021-04-27
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. (MI)

I have sent several dispute letters ( l ast two disputes sent were XX/XX/XXXX & XXXX XXXX ) requesting that XXXX provide documentation that the alleged inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX CARD Dated : XXXX XXXX ; XXXX XXXX Dated : XX/XX/XXXX ; XXXX XXXX. Date : XX/XX/XXXX. I asked that they provide documentation associated with these accounts bearing my signature. In the absence of any such documentation bearng my signature, i request that all accusations of inquiries be immediately deleted from their credit file under my social security number. XXXX response to my dispute is " inquiries are reporting on credit report up to 2years ''. They have not provided documentation nor removed these alleged inquiries from my report. Please investigate and request the removal of these inquiries.
Consumer complaint received 2024-11-20
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. (GA)

As I perused my report from the year XX/XX/XXXX, a disquieting realization dawned upon me : certain aspects remained woefully incomplete and alarmingly inaccurate. In accordance with the stipulations set forth by the Fair Credit Reporting Act, it is incumbent upon consumer reporting agencies to adhere to reasonable procedures, ensuring the utmost accuracy in the information pertaining to the individual in question. 


I sent a letter requesting that they re-investigate the accounts listed below because... 

Accounts XXXX XXXX Not reporting accurately and being incorrect. 
XXXX Not reporting accurately and being incorrect. 
XXXX XXXX Not reporting accurately and being incorrect. 
XXXX XXXX reporting accurately and being incorrect. 

XXXX XXXX XXXX -Not reporting accurately and being incorrect. 
XXXX XXXX XXXX XXXXNot reporting accurately and being incorrect. 
XXXX XXXX -Not reporting accurately and being incorrect. 
XXXX XXXX ( bank ) - Not reporting accurately and being incorrect. 


I have yet to receive a response from them ; enclosed is my tracking number. Might you be so kind as to investigate this matter on my behalf?
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Onity Group Inc. (CA)

We purchase our home in 2006 and the lender was OCWEN, who told us that they report payments, lates, payoffs etc to the credit bureau. We sold our home paying it off in full and we never thought to check our credit until now but notice that the payoff was not recorded and OCWEN is now PHH Mortgage. For almost 4 years this has not been reported on any of our credit bureaus when we were told by an OCWEN customer service rep that it would indeed be reported, OCWEN had no problems recording other derogatory information etc. but failed to report on time payments and sales of the property.
Consumer complaint received 2021-04-05
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 — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I could not afford my car because of a hardship I gave my car back they sold it at the auction they are willing to settle with an amount of XXXX I made a payment so my new balance is XXXX I have untill XXXX I plan on paying it Im making payments I called because of the hardship I asked if they could remove it when its paid in full they said they cant I would have to reach out to someone else it can be removed I also asked them for pay for removal I was not allowed to speak to the team that removes them I am trying to go through a program to buy a house but its stoping me so I asked them kindly if they would remove it
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Account XXXXXXXX XXXX XXXXXXXXXXXX XXXX Date of first delinquency is missing? delete this account violation of fcra and fcdpa.