davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I went to lease a new car at XXXX XXXX in XXXX, GA. I informed the salesman of the terms I was looking for and that I want to do the transaction under my company. 
I selected the car and negotiated the price. A personal credit application was handed to me to fill out ( I found out later it was supposed to be the credit application as a guarantor of a lease ). They ran my credit, submitted the inquiry. I was asked to unlock both Transunion and XXXX  credit bureaus accounts. They obtained a report and credit gets approved. While signing paperwork, I realize the paperwork being signed was for a personal lease, not for my company. The financial officer corrects the paperwork and I drive home with my new vehicle. Some days later I am asked to unlock my credit again as they made a mistake and it is required for them to make a second inquiry. I tell them they already had one from both Transunion and XXXX  and it should be enough. The financial manager calls me and insists. He elaborates and states it will not be an inquiry made, I asked him to put that on an email. After receiving the correspondence I trusted him and went ahead and unlocked my accounts for a second time, sure enough a second inquiry appears on my credit report. Obviously they lied to me to fix their mistake of submitting a loan as personal where it was supposed to be for a company. My credit report should not have been checked twice and I should not have another inquiry on my credit reports.
Consumer complaint received 2020-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. The initial dispute was sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

A bankruptcy continues to report on my credit file. Please remove. In my last dispute you said that you my bankruptcy was verified. what was your method of verification? The court said they do not release information the credit reporting agencies. please remove this bankruptcy because it was verified and the time is past due.
Consumer complaint received 2020-08-21
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: Experian Information Solutions Inc. (FL)

THE ACCOUNTS LISTED ARE ACCOUNTS THAT SOMEONE ELSE OPEN IN MY NAME THEY USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OBTAIN FRAUDULENT ACCOUNTS THESE ARE NOT MY DEBT OR MY ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS.  On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONRAD CREDIT CORPORATION (CA)

On XX/XX/20 I ran my credit report since I am in the process of purchasing a home and realized that there was a debt by Conrad Credit Corp XXXX XXXX XXXX XXXX, XXXX, CA XXXX on my report for {$2400.00} from an original debt of {$1700.00} from the City of XXXX. I called their offices to clarify, spoke to XXXX XXXX and confirmed that the debt did not belong to me but to my brother who shared the same address with me which I moved out of 8yrs ago. XXXX XXXX then referred me to XXXX XXXX who has been purposely ignoring my calls and emails and is unlawfully attempting to collect a debt I do not owe. It is ruining my credit and messing with my personal life. I need this to be fixed ASAP. I will be filing a police report against Conrad for identity theft and commuting fraud.
Consumer complaint received 2020-08-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC (NC)

In XX/XX/2019 I was contacted by GC Services about a debt with XXXX XXXX. They lied and said if I paid them {$500.00} a month for 12 months that the debt would be satisfied. This Month I heard from XXXX XXXX and they still want over {$8000.00}. I called GC services and was told they no longer handle XXXX XXXX and need to call XXXX XXXX.
Consumer complaint received 2020-08-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE CENTER, LC (OH)

Purchased home via conventional mortgage. The lender charged a {$200.00} survey fee, yet they never performed the survey. The lender refused to refund the fee for the survey that was never completed. 

See communication for the title company below : On XX/XX/XXXX, at XXXX, XXXX XXXX XXXX wrote XXXX XXXX The {$200.00} was returned by XXXX XXXX to your lender with the signed loan package on XX/XX/XXXX. As we did not require a location survey, we did not order one. The lender included this fee in the closing costs on your closing disclosure but when we disbursed the file, there was no survey invoice to be paid. The options are that a survey can still be done if the lender sends back the {$200.00}. Otherwise, your lender should refund the {$200.00} to you directly as we no longer have those funds. I apologize for the confusion on this but I will have our accounting folks let me know if the check has cleared our account. I will send a copy if so. Thanks WARNING FRAUDULENT FUNDING INSTRUCTIONS Email hacking and fraud are on the rise to fraudulently misdirect funds. Please call your escrow officer immediately using contact information found from an independent source, your realtor or the internet, to verify any funding instructions received. We are not responsible for any wires sent by you to an incorrect bank account. 

WE DO NOT ACCEPT OR REQUEST CHANGES TO WIRE INSTRUCTIONS VIA EMAIL OR FAX. Always call to verify. 



XXXX XXXX XXXX VP , Residential Operations XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX., XXXX XXXX XXXX , Ohio XXXX PH : XXXX Cell : XXXX Fax : XXXX Email Address XXXX XXXX
Consumer complaint received 2020-08-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (CA)

TD has reported a change off account on my credit report that I was not aware of. I disputed this account that I never opened with Target for 6 months now ... I finally got a representative who stated if I paid off the balance due ( not my card ) they would remove this erroneous account from my credit report. I paid {$420.00} for the card I never requested and never used now Target is refusing to remove it .... I have written to them on numeous occasion asking to provide a copy of the original contract and payments made on this card so I could prove to them that it was NOT my card and I did NOT apply for this ... Target ignored all my requests, written, verbal and electronic and only sends this letter ( attached ) statiting they confirm this account being mine but on WHAT BASIS THEY DO NOT DISCLOSE AND DID NOT PROVE THEIR STATEMENTS WITH COPY OF THE CONTRACT OR PAYMENTS THEY RECEIVED. I filed a police report due to identity theft as instructed by the bureaus but still ... this account is damaging my credit report this is illegal and is there any justice to consumer? ...
Consumer complaint received 2020-08-20
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: EQUIFAX, INC. (IL)

THIS IS NOT A DUPLICATE. 

I HAVE BEEN IN CONTACT RELIGIOUSLY FOR THE PAST 3-6 WEEKS WITH ALL THREE CREDIT BUREAUS AND I HAVE NOT HAD ANY RESULTS IN REGARDS TO REMOVING UNAUTHORIZED AND UNRECOGNIZED HARD INQUIRIES ON MY CREDIT REPORTS. ALL 3 CREDIT BUREAUS ADVISED ME TO CONTACT THE CREDITORS TO REQUEST REMOVAL OF THESE INQUIRIES AND THOSE ATTEMPTS WERE NOT SUCCESSFUL. UPON REACHING OUT TO THE CREDIT BUREAUS AGAIN, I WAS TOLD TO DEAL WITH THE INQUIRIES BECAUSE THEY WILL EVENTUALLY FALL OFF AFTER 2 YEARS. THIS IS COMPLETELY UNFAIR AND UNETHICAL ON THE PART OF EVERYONE INVOLVED. INVESTIGATIONS HAVE BEEN REQUESTED AS WELL AS I HAVE BEEN VERY PATIENT, BUT I HAVE HAD NO POSITIVE RESULTS AND THIS IS HINDERING MY CREDIT SCORE AS WELL AS PREVENTING ME FROM BEING ABLE TO DO IMPORTANT THNGS IN MY LIFE. THEREFORE, I AM CHOOSING TO GO ABOVE THE CREDIT BUREAUS AND THOSE CREDITORS AT THIS TIME. PLEASE ASSIST WITH THE FOLLOWING UNAUTHORIZED AND UNRECOGNIZED HARD INQUIRIES : XXXX : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX EQUIFAX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  THE ABOVE MENTIONED HARD INQUIRIES FOR ALL 3 CREDIT BUREAUS ARE UNAUTHORIZED AND UNRECOGNIZED AND THEY NEED TO BE REMOVED. METHODS HAVE BEEN TAKEN TO BLOCK FURTHER INQUIRIES WITHOUT MY PERMISSION. THANK YOU.
Consumer complaint received 2020-08-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (DE)

Hi- I filed a wire transfer with Wells Fargo 10 days ago and it did not go through. Upon reviewing the documentation, I discovered that the bank rep had made TWO mistakes typing the IBAN number on the transfer. I had found the first one at the time, but she sent the wire after that and signed off on it. My brother-in-law in the XXXX was in dire need of these funds ( {$22000.00} ) as he was laid off from his airline position, his employer revoked his visa and the gov't is threatening him with prison if he does not leave IMMEDIATELY! This, plus he just found out that his son in The XXXX was diagnosed with XXXX and is XXXX XXXX XXXX, requiring immediate assistance. I have gotten the runaround from Wells Fargo, constantly being told " we will get back to you ''. The money was automatically deducted from my account on XX/XX/10. I received an email from their 'Executive Office '' Complaints Specialist, signed by a XXXX XXXX ( no last name ) instructing me not to reply by email. I believe they are trying to avoid any written proof of the bank error which may cost my relative a prison sentence in the XXXX. They keep saying they 'will get back ' to me, but time is running out. My brother-in-law 's bank told him that all they have to do is send the CORRECT IBAN and the money will be released. I informed numerous management at Wells Fargo to no avail. Please help!
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America closed my account due to fraudulent activity, but before my account officially closed, my Social Security Disability check was direct deposited into it, I was told I had to report fraud on that account for which I did, now they are refusing to refund my Social Security income, first I was told I had to go into one of the banking center for my refund for which I did on XX/XX/XXXX, of this year, the representative in the banking center told me the bank usually send a check there was no reason for me to come in the center, while in her office she called the office they told her I should have my refund before XX/XX/XXXX and she gave me a phone number to call to check on it which is ( XXXX ) XXXX, I call on XX/XX/XXXX for a status and got the runaround, was told I had to go back into a banking center, BTW XXXX XXXX is XXXX a national holiday
Consumer complaint received 2020-08-20
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. (NY)

XXXX XXXX  violated numerous laws in the conversion of consumers property as indicated in the attached complaint filed in the XXXX XXXX  XXXX.
Consumer complaint received 2018-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hello, the bank is bank of America ( Boa ). 
In 2016, there was more than 50 transaction appear on my credit card result of identity theft, and I contact boa immediately, boa told me that everything was settle down and I am not responsible for this fraud transaction in the total amount of XXXX ( I believed is this amount because I dont have the access to my account since 2016 ), but recently boa told me that the Fraud department has denied this fraud so I have to pay the amount in full. But this account was result of identity theft and all the transaction was from the same company same time similar amount and Boa did not send me any alert or to confimred its made by me. How can this be normal transaction? All transaction was around $ 100-120. End up with the amount {$13000.00}, there should be 100 transcation and boa denied this fraud transcation and saying it s Noramal transcation after 2 years from now. Please really help me with this issue, Thanks
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DC)

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 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

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 2020-08-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MA)

My Synchrony Bank Amazon card, they offer promotional no interest on purchases, if you make other non promotional purchases in the month you are to pay that total balance off each month to avoid interest charges. I call each month and have went on their account page to allocate my payment each month to charges that would accrue interest first. For example my min payment is {$33.00} if I made a non promotional purchase of XXXX I would pay {$150.00} towards my account to avoid interest and to put money to my promotional balances to get ahead each month. Instead of that happening they charge me interest on a ghost balance that may have been from 3 months ago that was already paid off since I allocated the monies towards, then I have also not made a non-promotional purchase in two months. The statement does not say when the purchases are from it just states " regular purchases '' and the number charges each month even if there is no activity. Last month there were no purchases and a I made a {$250.00} payment there was a regular balance of {$140.00} then this month after the {$250.00} payment last month there is still showing a {$74.00} balance but according to the representative last month who again did refund the interest charge of {$3.00} and admitted that it was not correct, the problem has not been resolved. I called again today and they refunded the interest charge again. This is leading me to believe that they are doing this to see who will fall for this scam and I am not going to accept this. unfortunately people need things and when you have an opportunity to have no interest for 6 months on something big it makes a big deal when living paycheck to paycheck.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MS)

A bankruptcy continues to report on my credit file. Please remove. In my last dispute you said that you my bankruptcy was verified. what was your method of verification? The court said they do not release information the credit reporting agencies. please remove this bankruptcy because it was verified and the time is past due.
Consumer complaint received 2020-09-22
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2020-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (FL)

There were fraudulent charges posted to my credit card account. These were reported and disputed with the credit card company. Also a complaint was submitted with the Consumer Financial Protection Bureau. ( See complaint CFPB # XXXX XXXX. The dispute was found in the cardholders favor and the credit card company provided a credit for the fraudulent charges. We also were charged interest each month between the posting date ( s ) to current for these fraudulent charges as indicated below : Statement Date Interest Charge Amount Total Interest Charged To Date XX/XX/2020 {$18.00} {$18.00} XX/XX/2020 {$74.00} {$92.00} XX/XX/2020 {$93.00} {$180.00} XX/XX/2020 {$34.00} {$220.00} XX/XX/2020 {$32.00} {$250.00} XX/XX/2020 {$35.00} {$280.00} XX/XX/2020 {$35.00} {$320.00} XX/XX/2020 {$44.00} {$360.00} XX/XX/2020 {$42.00} {$410.00} To date the total amount of interest accrued because of these fraudulent charges = {$410.00}. 

We have on a number of occasions requested that all interest/fees associated with the fraudulent charges be credited to our account as outlined in the " Credit Card Agreement '' and our rights under the " Visa Zero Liability '' policy. ( See supporting documentation attached ) TD Card Services has failed to fulfill it's obligations under these rules. We demand and seek a complete refund/credit to our credit card account in the amount of all interest charges to date totaling {$410.00}
Consumer complaint received 2020-09-22
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: ERC (NV)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.