davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/2019, Wells Fargo ( WF ) did not execute a scheduled draft of {$3500.00} from my XXXX XXXX XXXX account into my WF checking account. This is a monthly draft scheduled for the XXXX of every month. Because WF did not execute the draft, my WF checking account was insufficient to pay my WF mortgage, which is set to draft from my WF checking account approximately 10 days after the transfer of funds from XXXX XXXX XXXX. 

I have spoken to your client representatives about this matter, and was informed that WF does not know why the transfer was not executed. Per Wells Fargo, the issue must be that XXXX XXXX XXXX rejected the transfer. However, I have spoken with XXXX XXXX XXXX several times, and they have no record of WF ever initiating a transfer on the date in question ( XX/XX/XXXX. ) WF also can not provide the supposed error code for the failed transaction. 

Please note : This is the second time I have had issues with WF executing a scheduled monthly draft, and in both instances, the missed draft occurred in XX/XX/XXXX. Last year, WF failed to initiate a draft because a certain number of days had not passed since the last scheduled transfer. WF ultimately determined this was caused by an error in THEIR  coding logic that did not take into account the shortened month for XX/XX/XXXX. They assured me that this would be corrected going forward, but clearly it has not been. 

I am requesting a full investigation of this REPEAT issue as well as a refund of the fees that were improperly assessed ( {$130.00} late fee and {$35.00} NSF fee. )
Consumer complaint received 2019-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TN)

After having a Citi Bank credit card account for over a year, the company has repeatedly switched my billing to paperless billing without my consent. They then charge a late fee because I have not paid my bill on time, which I did not receive in the form that I require. After contacting the company and requesting paper billing now the second time, they will not waive my late fee for a missed payment, and my credit score has suffered because of it. The most recent case of this happened with my account in XXXX, when they changed my account to paperless billing, and recently marked my account overdue by over 30 days. I called to resolve it on XX/XX/XXXX by paying the balance. The balance was {$43.00}, and they refuse to waive my late fee because they had previously waived a late fee within the last 12 months. The prior late fee that was previously waived was for the exact same thing, when they enrolled me without my consent in paperless billing. This is the second time this is happened, and when I inquired how this keeps happening in the creditor explained, that if I see any information on their website regarding paperless billing and do not scroll to the bottom far right corner of the box and click no thank you, but I am automatically enrolled in paperless billing from that date forward. I explained to her that that seemed a rather subversive way to enroll people in something they do not agree to because I have it on my file showing that I explicitly do not want paperless billing. The creditor explained that if I see any information on their website regarding paperless billing and do not scroll to the bottom far right corner of the box and click no thank you, that I am automatically enrolled in paperless billing from that date forward. I explained to her that that seemed a rather subversive way to enroll people in something they do not agree to, because I have it on my file showing that I explicitly do not want to enroll in paperless billing.
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LINCOLN MORTGAGE COMPANY (TX)

XXXX has attempted to infiltrate my life since I began leasing for them in XX/XX/2018 through XXXX XXXX. From XX/XX/XXXX - XX/XX/XXXX, I did not live in that Unit, none of my close friends or associates did, however, during my stay in XXXX XXXX XXXX where I was held illegally through the entire process, I was not able to access my house, my money, my phone, or any other possessions. The individuals responsible include DPD Office XXXX XXXX XXXX and any and all other persons at the hospital and in the " executive '' or " quasi-executive '' branch that picked me up for no real reason.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I checked my credit and noticed an XXXX XXXX XXXX I did not apply for and called the company and told them about it and come to find out the card was mailed to XXXX  which I have never been to and come to find out the charged items at a XXXX XXXX up there and now the credit card is over the limit and is on my credit report which has messed me up from buying a house for right now
Consumer complaint received 2018-10-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Advance America, Cash Advance Centers, Inc. (AL)

I got a few calls from this company and they listed their name on my voicemail ; now my wife knows ... .. We're getting a divorce ... .. They should never say their name on a voicemail .. Please help and stop them ..
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting this complaint against Transunion regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly.

3. Contact Information : My main contact number is : XXXX. I would like this number to be updated. 

XXXX. Date of XXXX : XX/XX/year> ( XX/XX/year> ) XXXX. Employer : XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX  XXXX. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license A copy of my Social Security A recent utility bill
Consumer complaint received 2024-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Consumer complaint received 2024-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Consumer complaint received 2024-11-14
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. (FL)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XX/XX/XXXX To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 



XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$3700.00}
Consumer complaint received 2024-11-11
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. (FL)

Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately. 

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened XXXX under the account number ( XXXX ), and XXXX XXXX  under the account number ( XXXX ) and XXXX XXXX  under the account number ( XXXX ) and XXXX under the account number ( XXXX ) and XXXX XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent ACCOUNTS appearing on my consumer XXXX credit report. I've attached a list of the FRAUDULENT ACCOUNTS in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent item. REMOVE IMMEDIATELY PLEASE THESE ACCOUNTS. 
I do not recognize the aforementioned accounts AND collections as reported. The aforementioned accounts AND collections, on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts AND collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts AND collections are the result of identity theft and fraud.I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that ARE not associated with me. 

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report.
Consumer complaint received 2020-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

This complaint includes TWO disputes. My name is XXXX XXXX XXXX XXXX and I currently bank with Bank of America. On XX/XX/XXXX I filed a claim because there was two transactions at an atm for {$500.00} a piece that bofA let leave my account. I got an alert on my phone that the same person was trying to take out another {$1000.00} the next day and then thats when I reported the transactions as fraud. I called the bank and was assured I would have all my money back, thats clearly not what happened, they came back and said that I was the one on camera taking the money out and thats not true what so ever, I honestly felt so disrespected that they would even say that with having surveillance. Then on XX/XX/XXXX while on vaca in XXXX  I had reported a fraudulent charge of {$1100.00} from a store. I remember going out to eat and losing my card and then I checked my account to see a huge charge that I never authorized. Same situation I was assured I would have my money back and then I checked today and my claim was denied. At this point Im losing money banking with bofa and its almost brought me to tears knowing Im out on almost XXXX in less than two months. Its like they are blaming me for someone getting ahold of my card and taking advantage of it. Im an honest man and in no way have anything to do with any of these transactions and would love to have all of my money credited back to my account!
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

Hello : I have applied for a Citi XXXX XXXX card online, after being lured in with an offer to receive 50,000-miles bonus, in XX/XX/2019. I was approved, however the miles bonus couldn't take place since I already had a rewards card with Citi in the past and 24 months have not passed since that card was closed. As a result, I have declined the card. 

I have never received a card in the mail nor did I activate it or use it. 

Today, XX/XX/XXXX, I have received a statement listing a fee of {$99.00}. I have attempted to contact Citi by phone or online right away, to no avail. I proceeded with closing the card using their automated service since I couldn't speak with a live body. The online chat service was unavailable. I couldn't even login to the account since I don't know the card number. Again, I never got the card, activated or used it. 

I have XXXX credit score and will be devastated if this company will ruin it with unethical practices. 
Please take action. 

Thank you. 
XXXX XXXX
Consumer complaint received 2020-10-30
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: FIRST CITIZENS BANCSHARES, INC. (TX)

To whom it may concern : My name is XXXX XXXX XXXX and the reason for me writing to you today is to complain about XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2020-06-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (PA)

I am looking/hoping to get a grant for disaster relief. It is for XXXX XXXX. My XXXX name at PNC bank is XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX. It is with XXXX XXXX Grant program of Pennsylvania. The company it is going through is XXXX XXXX XXXX. I need to link up PNC in order to get the funding but am unable to. Is there anything I can do asap to help with this? I have a XXXX XXXX  and was out of business for three months. 
Thank you. 
XXXX XXXX
Consumer complaint received 2020-09-25
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)

I have sent them four certified letters, asking the agencies and companies to investigate that these accounts are not mine and asking them for the original contract with my signature, which I have never received any document and the accounts do not belong to me.
Consumer complaint received 2020-09-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmerAssist A/R Solutions, Inc. (TX)

I contacted Amerassist on XX/XX/2020 by certified mail requesting they give verification of the debt and that I had given authority for them to have my information from the medical provider. They received my notice of request on that date at XXXX XXXX  via certified number XXXX. To this very day I have not received anything from them yet they are continuing to make collection attempts, even reporting this information to the credit reporting agencies which is damaging my credit. Not only that despite having received my request, they continue to update this information monthly and did not notate the account as being disputed.
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX Original creditor : XXXX  {$240.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$240.00} {$240.00} Payment Info Original loan amount {$240.00} Balance {$240.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX Original creditor : XXXX XXXX  {$490.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$490.00} {$490.00} Payment Info Original loan amount {$490.00} Balance {$490.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MIXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} Balance updated XX/XX/XXXX all ftc violations
Consumer complaint received 2023-07-03
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.