davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (WI)

I have a checking and credit card account with Wells Fargo. When I logged into my online banking, there was an offer for a cash bonus of {$520.00} to open a new savings account with a {$25000.00} deposit. I contacted the branch at XXXX, WI to schedule a time to come in and the man told me I could just open int online. I went back into my online banking and opened the savings. On XX/XX/XXXX I deposited {$25.00} and then on XXXX I deposited {$250000.00}. I withdrew the balance on XX/XX/XXXX, after the XXXX period requirement. I contacted Wells Fargo multiple times to request the cash bonus, and they stated because the account wasn't coded properly, they would not pay the bonus. I escalated this to their executive office, and they basically stated no exceptions. I strongly feel this is a XXXX violation as unfair and misleading to a consumer. The offer was received, and the requirements were completed. I completed the requirements as evidence in the attached statements. I received the offer as evidence in the screen print, I took when opening the account. My hand notes are the cases Wells Fargo opened for my complaints. I would greatly appreciate their cooperation in honoring the offer.
Consumer complaint received 2018-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Accelerated Financial Solutions, LLC (TX)

Accelerated Financial Solutions violated fair credit reporting laws! They reported a debt that I called and disputed before they reported it. I disputed the validity of the debt before the 30 days that credit reporting law allows, and they reported it anyway! Now it is showing on my report and made my credit go down and I am disheartened by them violating my rights and degrading my credit score. On XX/XX/XXXX Accelerated Credit said they would not be reporting/stop reporting and then reported it to the credit bureaus on XX/XX/XXXX, and I want it deleted immediately, per fair credit reporting act law. Find copies attached. 

Accelerated Financial Solutions , LLC XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX : Case # XXXX, XXXX XXXX Accelerated Financial Solutions , LLC received and reviewed the complaint submitted by XXXX XXXX. We understand that XXXX XXXX is disputing the account. We have asked the original creditor to provide us with the supporting documentation regarding the above mentioned account. In the meantime, we are requesting the credit reporting agencies remove this trade line and we will cease all activity on this account while we investigate this matter. Upon completion of our investigation and receipt of any supporting documentation, we will provide you with a copy of all material we receive in whatever fashion XXXX XXXX would like ( email, fax, etc ). 

If you have any questions, please call us at XXXX. Our office hours are Monday through Friday XXXX EST. 


Sincerely, Dispute Resolution Accelerated Financial Solutions , LLC
Consumer complaint received 2018-01-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TD BANK US HOLDING COMPANY (VA)

On XX/XX/XXXX, 2018, I tried to add my TD Bank account to XXXX in order to make purchases. When I logged into my account, XXXX notified me that " TD Bank is blocking you from enabling external applications. You have the right to access your financial data. Encourage TD Bank to fix this problem by contacting them. '' I have yet to contact the company directly, because various blogs and threads online have described negative experiences, thus I decided to follow one of XXXX 's three suggestions ( XXXX and calling TD Bank as the other two ) and file a complaint with the CFPB. Hopefully this issue can be remedied swiftly.
Consumer complaint received 2018-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Regarding accts: XXXX, XXXX, XXXX, XXXX

I'm finding this absolutely impossible to deal with Experian and their investigation into my disputes. I received a response stating that they investigated my claim and that the "data furnisher verified" this. I'm going to point out the specific laws that protect me against this abuse from the CRA's and that Congressional opinion clearly states that the statutes do not allow for the CRA's to merely parrot what they're being told! 

How were my disputes handled? 
How were my accounts verified? 
How was an independent investigation done? 
Where's the documentation that verifies this is reporting accurately? 
Why do they think that it's ok to violate my rights?
Why isn't anyone holding them accountable? Are you supposed to? 

Direct text from XXXX V XXXX XX/XX/XXXX:
"A consumer alleging that no reasonable investigation has taken place has a separate claim pursuant ot 1681(a)": 
No investigation was done at all. No reinvestigation was done at all. No independent investigation was done at all. If that were so, they'd have documentation to back this up instead of just telling me to go away because they don't feel like doing their job! 

Regarding the language in 1681(i)a, "the statute places the burden of investigation squarely on the credit reporting agency". 
This means that it's THEIR responsibility to determine the accuracy of the negative item that was disputed. They must perform their OWN investigation. If I took them to court, they'd need to prove to said court that an investigation even took place, a reinvestigation took place, an independent investigation took place and that they had the paperwork physically in their hands to make this determination. 

"We also agree....that the plain language of the statute places the burden of reinvestigation on the credit reporting agencies" and that they "bear grave responsibility" to ensure the accuracy of the information... The grave responsibility emposed by 1681(i)a must consist of something more than merely parroting information received from the other sources. Therefore, the "reinvestigation" that merely shifts the burden back to the consumer and credit grantor cannot fulfill the obligations contemplated by this statute".
Consumer complaint received 2018-01-12
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. (FL)

I have contacted all three credit bureaus numerous times indicating I never asked these companies to run my credit and wanted proof that i was indeed me. 

XXXX XXXX Inq 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX They have never provided me with my signature or proof of any kind with any of these companies.
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA (OH)

For over the past several years my personal information has been dumped on the dark web and the internet. Over 1000 cases of fraud on my account. Accounts emptied. Mail stolen. All due to credit card companies and credit bureaus and banks failing to secure their databases allowing information theft. 
I have spend the last several years working to clear my financial records. In the past year starting in XX/XX/XXXX and in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have sent debt validation letters, some not asked for by creditors in a effort to research issues with fraud. This creditor has not seemed to respond to my letters within 30 days. 
The creditor needs to respond within 30 days to requests.
Consumer complaint received 2023-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (VA)

I just purchased a home. My mortgage was bought from the lender by M & T Bank. My first payment is due XX/XX/XXXX. I followed the instructions to set up my account and get an account can not be verified error. I called numerous times and got no answers from the bank. Sick of the run around.
Consumer complaint received 2019-03-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDEN 1 CREDIT UNION, THE (CA)

Closed Savings account with Golden1 Credit Union on approximately XX/XX/19 in the amount of {$480.00} .Customer service number XXXX. As of today, XX/XX/19 no cashiers check in the mail. Contacted Golden1 and was advised that I have to wait 90 days before new check could be issued.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have already dispted inquiries on my credit report with transunion that I did not authorise and I keep getting the same response from them telling me I dont have to give consent. I have contacted the companies who are listed with each of these companies and they tell me it is up to the credit bureau to remove the inquiries.

XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I want those inquiries listed above removed immediately. The responses I keep getting from Transunion is as follows : We have reviewed your complaint along with the information you previously provided regarding this issue. The inquiries listed on your credit report are a record of the companies that obtained your credit information. All inquiries remain on your credit report for two years. Credit information may be requested only for the following permissible purposes : credit transactions, employment consideration, review or collection of an existing account or other legitimate business need, insurance underwriting, government licensing, rental dwelling, or pursuant to a court order. Your written authorization may not be required to constitute permissible purpose. If you believe that an inquiry on your credit report was made without permissible purpose, then you may wish to contact the creditor directly, in writing, regarding its purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist. Should you need any additional assistance, please call us at XXXX, Monday-Friday, XXXX XXXX XXXX XXXX ET. Please visit http : //transunion.comXXXX  for frequently asked questions about your credit report.
Consumer complaint received 2023-08-10
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts. It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance Owed : {$230.00} XXXX XXXX Balance Owed : {$8500.00}
Consumer complaint received 2023-08-10
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. (CA)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX & XXXX - XXXX XXXX XXXX
Consumer complaint received 2018-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am trying to freeze my credit file with TransUnion in order to protect my identity because TransUnion and other credit reporting agencies can not be trusted to keep my information secure. While attempting to freeze my account with TransUnion I am repeatedly, both over the phone and on their website, told I am required to pay {$5.00} to freeze my credit file. This is in direct violation of Colorado State Law and TransUnion knows this is the case, as they display the information on the following website. 

https : //www.transunion.com/XXXX For the record, I have never wanted TransUnion or any other credit reporting agency to control and exploit my personal and financial information for their own personal gain. I think it is absolutely ridiculous that these companies are able to leverage my information for their personal gain and are not even required to protect the data I do n't want them to have in the first place.
Consumer complaint received 2018-01-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I had two collections with XXXX XXXX XXXX. They called collecting a debt in early XXXX and they offered a settlement for each of the accounts if I could pay the settlement offer in full. It was also agreed that once the payments were made in full they would remove the negative collection from my credit report. I made the payment and have made several attempt to have it removed from my credit report. They now are stating that they never agreed to remove the negative information.
Consumer complaint received 2024-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc. (NJ)

I had an account from XXXX, which is no longer on my credit report. I received XXXX calls. Every time I sought to answer, they would hang up on me. I know this was to get me to contact them to trap me into having it put on my credit report again. I am not working! I dont have any extra money.
Consumer complaint received 2019-03-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this  state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2023-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXXXXXX XXXX XXXX to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Bread Financial Holdings, Inc. (MI)

During the month of XXXX, a transaction of {$390.00} took place on my account that was not authorized by me. I became aware of this transaction and submitted a claim in late XXXX. I received a response that my claim was denied in XXXX. I contacted the claim department again stating that this transaction was not authorized, and did n't receive a response. I decided to escalate the issue, and eventually sent an email to the CEO directly. The same day, I finally got a response. I was told they feel I am responsible because they believe the transaction was secure. Regardless of whether it was secure or not, it was unauthorized, and therefore this is not an acceptable answer for me. They are now in violation of the contract I agreed to when opening the account, that states I am not liable for unauthorized transactions. I refuse to pay for this, as I did not approve it.
Consumer complaint received 2018-11-27
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

On XX/XX/18, I purchased a washer and dryer on the Home Depot website. I was shown an offer to apply for a credit card to get XXXX off of my order. I proceeded with getting the credit card. But, on my statement the XXXX discount was not applied. I called in and was told that the credit was not valid for my order because the washer and dryer were on sale. If the items in my cart were ineligible for the discount, it should not have been offered. 

On XX/XX/18, I spent over 30 minutes on the phone with a variety of Home Depot departments. Eventually I was transferred to XXXX, XXXX, in Resolutions. She offered a gift card for the XXXX, but would not apply it to the purchase.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Equifax has a misspelled version of my name on my credit report. I disputed this information on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I have uploaded my ID but I kept getting a reply to supply an ID that I keep sending. I have also asked for the source of the incorrect information in a dispute letter I attached, but they never supply the source, just refuse to delete the incorrect information. I have also attached a letter requesting copies of all disputes letters received on my file for the year XXXX along with their response to it but again, Equifax just ignores the request.
Consumer complaint received 2019-03-20
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: JPMORGAN CHASE & CO. (VA)

I got approved for a loan for a new car in XXXX. After a few mishaps, o sent my last payment in around XXXX. Then they say I still owe XXXX in penalties and late fees. I disputed that and told them I paid XXXX for a XXXX car and I fulfilled my part and needed my title. They refused. Now after 2 years with no correspondent I am buying a new car and would like to use this for trade yet they still have a lien on it. I called and they still refuse to release lien. My credit report says they wrote it off last year.