davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America is not sympathetic to customer hardships caused by the pandemic. I feel they are practicing unfair and excessive fees to my account. I have not had a full accounting audit of my account from the beginning of my opening date but just focusing on the most recent charges I noticed they are charging me multiple fee 's on a payment that was returned due to NSF and they reprocessed in the same month and charged another NSF fee. Double processed NSF payment and double NSF fee to the same merchant in the same month. Not until recently did a representative offer to switch my account to a safe account which will not allow me to go negative. 
I also feel that its misleading although in terms ( which I didnt not read thoroughly ) to offer a overdraft account and they transfer money as needed to avoid my account being negative then charge me a fee for that service so if its needed multiple times a day or in the month to transfer funds the fee is added as well.
Consumer complaint received 2024-09-06
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. (CA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance : {$1.00}, XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2021-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (NY)

Had an account at TD Bank NA, XXXX They closed the account on XX/XX/21 and sent the balance without the accrued interest. 

On XX/XX/21 they debited the account for two payments to XXXX XXXX, for {$45.00} & {$40.00} Four days later the closed the account, the money was available in the account as shown on the statement. 

On or about XX/XX/21 they reversed the payment, which should not have. 

They must either send me a check for {$85.00} or make the payment back to XXXX XXXX. 

Tried to resolve by calling and emailing, but got now answer from TD Bank. 

TDBank is stealing and committing fraud.
Consumer complaint received 2024-09-06
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. (TX)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-08-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (TX)

I am disputing a collection account that has appeared inaccurately on my XXXX XXXX with both XXXX and XXXX. The original debt is tied to XXXX XXXX. 

I currently have an open and active account with XXXX, for which I am making regular monthly payments. See attached, I noticed a {$120.00} collection account listed under Radius Global Solutions on my XXXX report. Upon contacting XXXX, they confirmed that my account had never been sent to collections. 

However, as of today, this incorrect collection has now also appeared on my XXXX report, but for {$120.00}, and under a different XXXX XXXX. I do not understand why this error is continuing to occur, as my XXXX is current and has never been XXXX 

I have already reached out to XXXX, who again confirmed that my XXXX is in good standing. This collection account should not be on my XXXX XXXX as it is inaccurate and damaging to my XXXX XXXX. 

Please help resolve this issue by removing these collection entries from both my XXXX and XXXX credit reports.
Consumer complaint received 2021-02-22
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. (NY)

I DID NOT AUTHORIZE THESE COMPANIES TO RUN MY CREDIT I NEVER WENT TO THEM FOR AN ACCOUNT THIS IS FRAUD AND NEEDS TO BE REMOVED ASAP FROM MY CREDIT REPORT.
Consumer complaint received 2021-02-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I asked the credit card company if I promised to make a payment after my complaint is resolved if interest would still be charged. They asked if I filed a dispute. I said I was not aware I could dispute the promotional interest charge with them and that I filed the complaint with the government. At that point I was cut off mid sentence and transferred to make a dispute before the late fee could be removed as promised and then the call disconnected. I called 3 times from the same phone and each time I kept getting hung up on. I finally called from my home number and finally I was able to get in touch with someone. 

During the call I explained the the number I found from XXXX to find out why I did not receive a bill would not connect me to a representative. I explained that I also called the store I made the purchase from and they too could not get a representative on the line. The only reason I was able to get in touch with the credit card company was because they texted me after the due date. I never received anything in the mail, phone call or email. They apologized that the mail got lost and that I received the wrong number but they could not remove the promotiinal interest charge even though I never received any mail and my account number changed without my knowledge.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I am writing to inform you that I have been a victim of identity theft, leading to the inclusion of multiple fraudulent entries on my credit report without my knowledge or consent. 5 Unauthorized accounts and 10 inquiries have appeared on my report, none of which I approved. 

- Accounts : - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - ( Original Creditor : XXXX XXXX ) XXXX - XXXX XXXX XXXX - Inquiries : - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX I have already submitted a report to the Federal Trade Commission ( FTC ) regarding this identity theft and now request the immediate removal of these fraudulent items to ensure the accuracy of my credit report.
Consumer complaint received 2021-02-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I went to get financing for a car loan.I was excited to go to the dealership until the car salesman came back into the room and informed me that he wasn't going to be able to get me financing for any vehicles. This caught me by surprise because I have always understood the importance of having and maintaining good credit history. So I always did my best to make sure I kept all of my affairs in order. So of course I was full of many different emotions when the salesman informed me that I wouldn't qualify for any financing. These negative items being reported on my credit report are not my accounts. I demand them be removed. This is defamation of character. I am an old woman, there is no reason why someone my age that has never had any run and with the law go through these type of situations. During my entire XXXX umph something years I have done nothing more or less then work hard and take care of my family! This is also a FDCPA violation 15 USC 1692d. Reporting inaccurate items on someone credit report negatively affects a consumer 's reputation. FCRA 15 USC 1681 states that a consumers credit report is the consumer 's reputation. If these items are not removed immediately I will seek litigation. I also provided evidence to support that I was a victim of the XXXX  data breach.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

Please remove any hard inquiries and fraudulent accounts off my credit profile from XXXX, Equifax, XXXX XXXX immediately. 

XXXXXXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX {$460.00} XX/XX/year> XXXX XXXX XXXX {$630.00} XX/XX/year> 2023
Consumer complaint received 2021-02-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

We are writing to request the information described below in regard to the mortgage on my property at, XXXX XXXX XXXX XXXX XXXX, Il XXXX. 

PLEASE PRODUCE ANY and ALL DOCUMENTS that evidence YOU acquired ownership of the SUBJECT LOAN when Washington Mutual Bank, XXXX, IL failed. 
PLEASE PRODUCE ANY and ALL DOCUMENTS that evidence ownership of SPECIFIC SUBJECT LOAN was sold as part of certain assets acquired by JPMorgan Chase Bank, N.A. on XX/XX/XXXX. 

PLEASE PRODUCE ANY and ALL DOCUMENTS that evidence servicing rights for the SPECIFIC SUBJECT LOAN was sold as part of certain assets acquired by JPMorgan Chase Bank, N.A. on XX/XX/XXXX. 

PLEASE PRODUCE ANY and ALL DOCUMENTS that evidence the SUBJECT LOAN appeared on the financial statement ( s ) WASHINGTON MUTUAL BANK, XXXX, IL, between XX/XX/XXXX to XX/XX/XXXX. 

PLEASE PRODUCE ANY and ALL DOCUMENTS that evidence the PURCHASE & ASSUMPTION AGREEMENT between the FDIC-R and JPMorgan Chase Bank, N.A. included assets of WaMu XXXX XXXX XXXX. 

PLEASE PRODUCE the guidelines as established by YOU as to when and how JPMorgan Chase Bank, N.A. could, by power of attorney, transfer any ownership interest in the SUBJECT LOAN, SUBJECT NOTE, or SUBJECT DEED OF TRUST. 

PLEASE PRODUCE the power of attorney issued by YOU to JPMorgan Chase Bank, N.A. specific to the SUBJECT LOAN, SUBJECT NOTE or SUBJECT DEED OF TRUST.
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (SC)

Employer suspended, or separated me from the company due to a Flag on third party background check. I have personally called the background check company First Advantage and properly filed a dispute. I have provided them the court summary letter and expungement record signed by a Judge and stamped stating so. They have claimed that they are reporting this information from the court house. I have personally called the court house along with XXXX, and XXXX, which they claim to have no record in there database.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (OH)

During the COVID pandemic I applied for Wells Fargo Mortgage Deferment Program due to the financial uncertainty that may have followed. My first question to the Wells Fargo Loan Advisor handling COVID related clams was : " XXXX this program affect my credit scores in the present or future? Wells Fargo 's response was " No it will not affect the account holders credit scores. 
This is a VA federally backed loan that has been current since XXXX with no missed payments for the record. Fast forward to XX/XX/XXXX when my forbearance was terminated and my account is in good standing with Wells Fargo. Wells Fargo has added the comment to all three Credit Bureaus " that the account holders are Paying under a partial or modified payment agreement '' On XXXX XX/XX/XXXX my XXXX credit score dropped 82pts due to this comment. I have verified that with the XXXX they are counting this comment as a major negative delinquency. 
I have reached out to the Wells Fargo executive resolution team regarding this problem and they have responded explaining that they have reported everything accurately along the lines of the Fair Credit Reporting Act. Please Advise
Consumer complaint received 2021-02-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC (NY)

I received a bill from BMW Financial Services, dated XXXX XXXX. On XX/XX/2021 I sent out a letter for Validation of debt along with a Cease and Desist and. A few days later representatives started to contact relatives in my family along with myself. They also threatened to place this item on my credit report if i did not agree to pay this alleged debt. 
A few days after this occurred, I received a bill from a debt collector, XXXX XXXX XXXX. 
This is a clear violation of the law. I proceeded to send a Debt Validation letter to them as well and I'm currently waiting for their response. 
I received an email from BMW Financial Services AFTER I was threatened and disrespected by their representatives, and AFTER receiving a bill from a debt collector when they clearly received my notices.
Consumer complaint received 2021-02-23
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. (CA)

XXXX XXXX Balance Owed : {$920.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX Balance Owed : {$2300.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2021-02-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2021 I called Experian to get the results of an address dispute and to file a new dispute for items related to the address, I was informed it was nothing they could do, the furnished of the information I was disputing, was XXXX XXXX, I have documents to present, Im ask that Experian remove address and all related items to that address on my credit report, XXXX XXXX has removed the address and since they furnished the information, Im asking Experian to remove address and any related information to that address
Consumer complaint received 2021-02-22
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XX/XX/XXXX I started the process of buying a home for my family that includes myself, my wife & our XXXX XXXX XXXX XXXX. Both my wife & myself are actively in the XXXX, stationed in XXXX XXXX TX. Right after we started this process I was XXXX, my wife was given a Power of Attorney to complete the process. On XX/XX/XXXX my loan officer asked me to prove I was not 30 days late XX/XX/XXXX on my Capital One # XXXX account because that's what's being reported on my credit through XXXX, XXXX & XXXXXXXX. Capital One sent my payment history from XX/XX/XXXX through present that proved I was never late. I opened a dispute because after speaking to their customer service, this is their process of correcting their error. I attached Capital One 's proof they sent me to my dispute. I called back a couple days later to find the dispute was closed because I had provided no proof of my claim. I duplicated this same process 3 times. Every time either myself or my wife calls Capital One, we are given different excuses why we are wrong & they are reporting correctly. Even though Capital One sent us proof of my payment history. This has been going on since XX/XX/XXXX until now. This company is clearly in violation my consumer rights for Fair Credit Reporting Act & blatantly discriminating against the color of our skin. This is preventing us from being approved for our purchase financing.
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ALLIANT CREDIT UNION (IL)

Alliant Visa advertises a warranty extension feature. On XX/XX/XXXX, I submitted a claim for a broken vacuum, and was assigned a claim number, XXXX. Alliant apparently outsources this coverage to " XXXX XXXX XXXX, '' who sat on my claim for almost a month, despite their status page showing all documents had been received. 

When I called today, XX/XX/XXXX, I spoke with " XXXX '' employee # XXXX at XXXX XXXX XXXX they informed me they were waiting for and require a repair estimate. This vacuum, like many modern products, are not designed to be repaired and no companies exist to offer. 

XXXX told me that the only way they would even consider honoring the warranty benefit was if I either provided statement from a repair technician, or if I paid to ship the unit to XXXX XXXX XXXX, in the hopes that maybe they would decide that the unit was covered under the plan. They refused to even accept a phone video of the item. 

Only after today 's call, did I receive a demand to mail the item to them, at my expense. Mailing them the broken device is not a stated requirement of the benefit in Visa 's marketing materials. 

I believe this is a fraudulent series of tactics designed to make it exceedingly difficult or impossible for consumers to benefit from the advertised card features, and the federal government should do what's in its power to stop credit card companies like Alliant from this misconduct.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (PA)

XXXX XXXX ( Original Creditor : 01 XXXX XXXX  ) XXXX Balance : {$1600.00} WELLS FARGO XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$4300.00} XXXX XXXX Balance : {$0.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Consumer complaint received 2021-02-23
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. (PA)

XXXX XXXX ( Original Creditor : 01 XXXX XXXX )  XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$4300.00} XXXX  XXXX Balance : {$0.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.