davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-04
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. (NC)

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. XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX , XXXX : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. 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 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 vears. 15 U.S.C. 1681s-2 ( A1 ) 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
Consumer complaint received 2023-07-19
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX, XXXX XXXX {$3100.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX  XXXX {$120.00} XX/XX/XXXX XXXX  XXXX {$7500.00} XX/XX/XXXX XXXX  XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$3400.00} XX/XX/XXXX XXXX  XXXX {$190.00} XX/XX/XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX  XXXX {$2100.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A . 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 an 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 ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK (TX)

When I first opened my account with Discover it was strictly to save. And I put my {$6000.00} savings here thinking I could trust this bank. Then a few months later I check my balance and see my entire savings is depleted. Without me receiving any warnings or notifications about the purchases being made. So then I go through my banking app to whats going on and figure out why. My card information was someone confiscated or stolen online and a merchant by the name of XXXX was charging my account for {$99.00} multiple times a day never over that amount I guess not to raise suspicion. And over a few days my entire account was wiped without me knowing a thing. So I contacted discover immediately and they claim they are so sorry about this and opened a dispute for me supposedly that totaled around {$6200.00} or so for all of the charges. Then literally a few days later I call them because Im worried obviously and they tell me my claim had already been closed and posted as authorized not in my favor, I kid you not this was in 3-4 business days max. I felt no effort was put into an obvious scam of unauthorized charges on my account so I reached out to a supervisor. He said he was able to get the claim re opened someone and looked at again successfully and said they would even provide provisional credit within 10 business days if they needed more time which was very good to hear because I told him I have bills and this was my entire savings. So 10 business days pass, and I see no provisional credit nor any claim updates and every time I give them a call they give me the run arounds trying to extend the provisional credit date back further and further and even saying its no guarantee I will even get the provisional credit anymore and that their team is working on it. I even asked for my claim number and the guy told me he wasnt allowed to provide it to me because thats for their internal team to use only. So I feel like Im being bullied and not helped or even cared about at this point. This is my first and only claim I have ever filed with them so hopefully you guys can get them to re open it and get my funds back for all of this even though they wont give me my own freaking claim number. My name is XXXX XXXX XXXX XXXX & my date of birth is XX/XX/2001 & my social security number is XXXX & my address is XXXX XXXX XXXX XXXX TX XXXX. I will also include the screenshots of all of the clear fraudulent purchases below. Oh and somehow they were able to permanently credit {$40.00} from the same fliff merchant to my balance the same day I opened the claim as seen below as well but wouldnt work to get the rest back I think they just dont care about me as a customer and are to lazy to do my claim properly because of the amount of charges. I hope I am helped here and that they dont get away.
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MA)

I bank with Wells Fargo. On XX/XX/XXXX, I had two posted transactions, a XXXX deposit from XXXX, and a XXXX charge from XXXX. My ending balance on XX/XX/XXXX was XXXX, meaning that my ending balance on XX/XX/XXXX was XXXX. On XX/XX/XXXX, a transaction for XXXX and a transaction for XXXX were both posted by XXXX, however they were pending transactions that were not authorized until XX/XX/XXXX, putting my account at a deficit of XXXX on XX/XX/XXXX. However, I received a deposit of XXXX, putting my account at a positive of XXXX, which was then used at XXXX, putting my account at exactly XXXX, with no overdraft end items. I am positive that there were no overdraft end items, as the posted overdraft at the end of XX/XX/XXXX was XXXX, and my account balance was XXXX. On XX/XX/XXXX, I had called Wells Fargo, who told me that the charges by XXXX were authorized and posted on the XXXX, which my own bank statement shows is wrong. 

Furthermore, Wells Fargo has an Extra Grace Day policy, that they will first notice the account owner about an overdraft end account, in which they get an extra business day until midnight to restore the account to a positive balance. I had received a notice on XX/XX/XXXX that I had overdrafted on Friday, however when checking my account I was in the net positive.
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (WV)

I deposited a XXXX check and was told it would be available next day and theyve put a 7 day hold on it. I have no XXXX my XXXX will be shut off tomorrrow and I have people calling about job interviews. They cant keep putting holds on certified bank draft checks. Its my money and they told me itd be available next day and its not.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The letter you sent state you conducted a thorough investigation into this matter and concluded that someone did obtain a loan with your company using XXXX XXXX XXXX personal information first that fraud m name is XXXX XXXX Second you state i open a loan at your branch XXXX in XXXX Mo on XX/XX/XXXX but my report states the acct was open XX/XX/XXXX so you wrote a letter that falsely saying i had number 3 then it says the acct-was transferred to Branch XXXX XX/XX/XXXX the letter makes no sense and its all over the place i will fight you in court and i will not stop this is fraud and miss use of my rights XXXX XXXX XXXX has stated in a documented letter of their inaccuracies also included my personal info and id to show im not XXXX XXXX this is on m acct inaccurate I also added Sectary of State XXXX XXXX i also included my info for awareness
Consumer complaint received 2023-07-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TN)

Between XX/XX/2022 and XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX XXXX  ( XXXX USD at the time ) from my Coinbase account to fraudulent investment firm ( s ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Coinbase did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii )
Consumer complaint received 2023-06-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (IL)

I applied for assistance for the XXXX XXXX XXXX XXXX. 

I have a first and second mortgage on my property. The 2nd mortgage is a HELOC from PNC BANK. 
This mortgage is in my deceased husbands name. I am trying to get help from the state of Illinois and I need a 2nd mortgage statement. 
I went to PNC BANK many times, and they say they can not give me ANY MORTGAGE statement on this account. 
By law, if there is a debt, I am to receive a mortgage statement. All they are giving me is a payoff. This does not work the the program. I was denied the program because PNC WILL NOT give me a normal mortgage statement. 
Even if they state they charged this loan off their books, they still have a lien on my property, therefore its a debt, which I am required to receive a mortgage statement.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo sent me 6 letters in XX/XX/XXXX stating that they have used my personal information to enroll me in XXXX XXXX XXXX program from XX/XX/XXXX, through XX/XX/XXXX, XX/XX/XXXX, through XX/XX/XXXX, XX/XX/XXXX, through XX/XX/XXXX, and XX/XX/XXXX, through XX/XX/XXXX. They can't provide me the dates for the other XXXX letters. They sent me several checks to reimbursed me for the fees and we went through XXXX arbitration meeting on XX/XX/XXXX, but they did not provide me with the settlement amount that I requested.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I am writing to bring to your attention a serious issue concerning the inaccurate and incomplete information being reported by Experian, one of the major credit reporting agencies. Despite disputing the XXXX BANK account, Experian continues to report inaccurate details on my credit report, including incorrect addresses, payment history, and other payment-related information. This discrepancy between Experian 's report and the reports from XXXX and XXXX is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under FCRA Section 807-8, FCRA Section 623-B, sections 15 USC 1681e ( b ), 15 USC 1681s 2a1a, 15 USC 1681a 2ai, and defamation. Moreover, I want to emphasize that this account has been charged off/written off, resulting in its reporting to the Internal Revenue Service ( IRS ) as profit and loss. According to IRS regulations, this reporting categorizes the amount as personal income, and it is no longer considered a debt. Consequently, this account should not be reported on my credit report as it does not meet the criteria of a debt requiring reporting. It is crucial to note that all three credit bureaus, namely XXXX, Experian, and XXXX, are reporting different inaccurate and incomplete information about this account. Therefore, I kindly request your intervention in this matter and ask that the account be completely removed from my credit report. As a consumer, I am protected by the FCRA, which ensures that credit reporting agencies provide accurate and fair information about individuals ' credit histories. The inconsistencies and inaccuracies in Experian 's reporting not only undermine my creditworthiness but also hinder my access to fair credit and financial opportunities. Lenders and financial institutions rely heavily on credit reports when making lending decisions, and the inaccurate and incomplete information on my credit report has negatively impacted my creditworthiness and caused me to be denied credit opportunities that I otherwise would have qualified for. I am deeply concerned about the negative impact these inaccuracies may have on my financial future. Enclosed with this letter, please find copies of the relevant supporting documents, including the credit reports from all three credit bureaus, highlighting the discrepancies in Experian 's reporting. I kindly request that you remove this account from my credit report immediately.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (MD)

XX/XX/2023 I contacted XXXXXXXX XXXX XXXX about unauthorized charges on my XXXX card on my XXXX statement. I have attached a copy of the correspondence. 

My XXXX statement arrived with a credit for one of the charges and fees associated with that charge. The remaining charges disputed have not been acknowledged and remain as a balance due. Attached is their correspondence addressing one charge. 

XX/XX/2023 I sent another letter to address the unauthorized charges. No response. See attached. 

XX/XX/2023 I sent another letter to address the unauthorized charges. No response. See attached. 

I have just received my latest statement that has a balance due with the unauthorized charges as well as late fees. 

I have been notified that this has now shown up on my credit report. I want these charges addressed and removed immediately. We are at the 4 month mark, which is well over the required time to address and resolve. 

I would like to know what my legal rights here are for charges against Comenity Bank as well as inquire on their PCI compliance since this card is still in my possession
Consumer complaint received 2022-10-28
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: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report.

Here are the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX ; XXXX XXXX; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$7500.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-04-20
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. (NE)

I do not, not have ever had contact with XXXX XXXX XXXX. I have never recieved email or letter about a collection due. I reached out to XXXX as that is the closest name when I XXXX  the company ( as no other info was provided from the credit report ). They had not heard of such an agency, but listed similar company names/branches of collection agencies. When experion disputed it, they said the company confirmed I was past due, but there was no info on where to go or any contact info to find more information.
Consumer complaint received 2023-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial XXXX  by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2023-06-09
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: Experian Information Solutions Inc. (TX)

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, EXPERIAN used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. EXPERIAN reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Consumer complaint received 2023-07-04
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. (NJ)

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A 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 an account without my written instructions.
Consumer complaint received 2024-11-01
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Franklin Financial  Corporation (TN)

I have a loan with Franklin Financial in XXXX XXXXIve used auto deduct for the loan.I will be making the last payment this month. The payoff is lower than the payment but they want to charge me the payment price.Its about XXXX dollars difference .I called the branch and was told they had installed a new system which doesn't accept the payoff amount so their beating me out of XXXX dollars. I'm not the only one they said. It's down right crooked and needs to be addressed. Thanks
Consumer complaint received 2024-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (FL)

I tried to make my first payment with a new credit card and they replied with a notice saying they couldnt accept my payment because of the info provided to them by XXXX. This has happened for the last three months and now I am late. They did finally take my payment for XXXX in XXXX after charging me a {$40.00} late fee. Now they wont take XXXX nor XXXX payment. Im trying to make my payment with my XXXX Account via direct debit. The credit card company is Destiny. XXXX
Consumer complaint received 2023-06-09
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: Experian Information Solutions Inc. (PA)

To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 

XXXXDEPT OF ED The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( l ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Best regards,