davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

On XXXX I contact Wells Fargo about a return I was conducting with XXXX XXXX / XXXX XXXX XXXX in XXXX GA. I had purchased the dog kennel roof on XXXX just after retiring from the XXXX. I had moved 2-3 times after that date and misplaced the sealed from the factory box that I had never opened. Wells Fargo by 2 different reps in their dispute department told me to take it back and they would ( the bank ) fight for me. The store manager refused to take item back as it was over a year old and was quoting a 90 day return policy that was not listed in the store or on the receipt. On Wells Fargo advice I left the item in the store and walked out. 2 weeks later on XXXX I was advised by the bank they would not be doing anything if though 2 reps said it would n't be and issue. 
This case was escalated to their Customer resolution Executive Office that handles ATM / Card transactions on XXXX. It is now XXXX. I have not heard bank from the bank after the 10 day time frame. 
I do not have the product or/and have not been refunded the {$70.00} for this issue, WF claim # XXXX. 
All I want is my money back
Consumer complaint received 2019-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC. (FL)

Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2019-01-16
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. (NV)

I checked my credit report to I noticed Several inquiries yet again, that do not belong to me. Please remove this from my credit report immediately as this is poor judgement with on my character and credit worthiness. 

XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX-Inquiry : XX/XX/XXXX XXXX XXXX-Inquiry : XX/XX/XXXX XXXX XXXX-Inquiry : XX/XX/XXXX XXXX-Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry : XX/XX/XXXX
Consumer complaint received 2021-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

DISPUTE LETTERS WERE SENT TO THE AGENCY AND WERE DELIVERED ON XX/XX/21 AND XX/XX/21. THE AGENCY AS PER THE FCRA HAD TO MARK THE ACCOUNTS AS " DISPUTED BY CONSUMER ''. THE AGENCY FAILED TO MARK THE ACCOUNTS AS " DISPUTED BY CONSUMER ''
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is the several times I've complained about being a victim of identity theft. You must remove/block any ITEMS that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$5000.00} XXXX XXXX XX/XX/2023 ; XXXX XXXX  XX/XX/2023.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Please be advised that as of XXXX as listed on my most recently reviewed Equifax consumer credit report, there are several XXXX XXXX inaccurate, unverified and invalid accounts listed : These include account numbers XXXX, XXXX & XXXX. Please find attached proof that these accounts are currently in dispute with XXXX XXXX via mail and fax. XXXX XXXX is yet to respond with a confirmation of the debt. Having understood that Equifax is in violation of XXXX XXXX. XXXX ( i ) XXXX ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, Both together and seperately, my consumer and privacy rights are being violated. the aforementioned invalid, inaccurate and unverified accounts are to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm and discrimination. XXXX XXXX ( Without Prejudice )
Consumer complaint received 2023-11-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I've been consistently denied every time I attempt to open various types of accounts, including brokerage, checking, and savings accounts. I'm frustrated by the rejections and eager to understand the reasons behind them. It's becoming increasingly bothersome, and I'm actively working to resolve the underlying issues causing these denials.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Despite my previous 4 written requests, the unverified items still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did.
Consumer complaint received 2019-01-15
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: VALLEY NATIONAL BANCORP (NY)

I checked my credit report in XXXX and it shows that 5 credit inquiries were done fraudulently under my name by XXXX XXXX on XX/XX/XXXX. This isn't the 1st time my credit is impacted by fraudulent activity. I was a victim of identity theft in XXXX.
Consumer complaint received 2021-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 my debit card embarrassingly declined a transaction at a restaurant. I called Bank of America to figure out why my card, which was indeed sufficiently funded, had declined. They informed me that the card had been frozen due to unusual transactions. When I asked for details, I was again informed that {$3000.00} dollars was fraudulently withdrawn from ATMs. These transactions place on the dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, respectively. {$1000.00} dollars each day was stolen, which is an automatic limit set up by BOA and EDD. The card was in my possession the entire time. I have documented video footage of me at a XXXX of XXXX celebration during the time of the transaction, it would be impossible for me to have done it. 
The company said that I would receive an expedited form in the mail to help with their investigation. Ive checked the mail each day and have not received it. They confirmed my email and phone number as well, but I have no notifications on those platforms either. 
I am reaching out because I feel that the company isnt taking this fraudulent transaction serious, I was even told that it may take up to 90 days before I can be helped. That {$3000.00} was all of the money that I had, and I am devastated because I dont know how this happened, why the bank wont help, and what I will do for the next 90 days ; which hasnt started since they havent sent me their fraud form.
Consumer complaint received 2021-07-13
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. (TX)

Dear CFPB, The purpose of this letter is to inform CFPB that I have asked XXXX, XXXX and Transunion to remove all inaccurate and unverified information off on my consumer credit report. I have not been notified by any of the 3 credit reporting agencies of their intent to remedy this damaging description. It has been more than 30 days, I am requesting CFPB to investigate this gross error and demand correction for violating my rights under the FCRA. 

Each bureau was notified via letters on 3 separate attempts to correct this error, to no avail. The original letter is dated XX/XX/2021 ( please see attached documentation ). Thank you in advance for your assistance and I am looking forward to hearing from you.
Consumer complaint received 2019-01-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Eagle Home Mortgage, LLC (UT)

I was forced to start an application with Eagle Home Mortgage by my builder. I did not want to use them, told them I wsnt going to use them but they said i had to or they wouldnt sell me the home. Builder is : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX  Their lender pulled my FHA Case number and now refuse to release the case number to the lender I was always going to use, XXXX XXXX XXXX XXXX XXXX.

the lender refusing to send or release my FHA case number is : Eagle Home Mortgage , LLC Phone # : XXXX Broker Participation? X Yes No XXXX  agent : Agent/Company : XXXX XXXX / XXXX XXXX XXXX - Utah Street Address : XXXX XXXX XXXX XXXX XXXX XXXX City, State Zip : XXXX XXXX, UT XXXX   Phone : XXXX They are holding my loan and home purchase hostage by refusing to transfer my FHA CASE number that I never wanted them to pull in the first place
Consumer complaint received 2021-01-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc. (NC)

Received notification from XXXX  that a collection was added for a company by the name of TEK-COLLECT, INC. Never received any documentation about this debt or type of communication period. The notification came through on XX/XX/XXXX, stating a collection in the amount of XXXX and the first date of delinquency was XX/XX/XXXX. No original company information was provided when this alert came through.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (NY)

An account using my personal information was created with a consumer company called XXXX XXXX through the Comenity Bank. The charges have shown up as delinquent on my credit report since XX/XX/XXXX. My credit score shows an account made with XXXX XXXX under my name on XX/XX/XXXX. There are several charges shown on my credit report including : balances of {$59.00} on XX/XX/XXXX ; {$120.00} on XX/XX/XXXX, {$170.00} on XX/XX/XXXX, and {$210.00} on XX/XX/XXXX. These are listed as delinquent charges on my credit score. 

I believe this to be identity theft because I contacted Comenity Bank and they found an account made with my personal information including my name and home address, which I did not make. A phone number which does not match my personal number was listed in the account. Comenity Bank did open an investigation on the account. 

My personal banking company, XXXX XXXX, also filed a dispute but recommended I submit a fraud claim with the FTC as well. I would like these charges to be absolved as these charges have negatively effected my credit score.
Consumer complaint received 2021-07-13
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: VW Credit, Inc (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland credit management has been harassing me for the past months such as reaging my account by adding a dollar or subtracting a dollar, also adding late payments to my credit report. These are both illegal tactics, per fcra guidelines they are definitely being violated. I wrote to midland credit about a mov because I want to see a contract with my signature from them or whoever theyre representing in order to add late payments to my account I need proof that that this debt theyre saying is mines is actually mines. I havent received anything from midland regarding my mov but Im still getting letters to possibly settle. I also included in the letter that if this info cant be provided to simply delete the account.
Consumer complaint received 2019-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have had these two credit cards for many years, but between XX/XX/XXXX and XX/XX/XXXX,  besides my own medical and dental bills, I was taking care of my elderly mom and got my two Mastercard credit cards with Capital One maxed out. Approximately a year ago I requested that Capital One please freeze my accounts, stop all interest, and let me continue to pay on the principal balance. They would not agree to that. I also offered a {$12000.00} payoff v. the balance of approximately {$16000.00}, and they would not agree to that either. 

I was on a plan for lesser payments, but ultimately they kept requiring me to catch payments up, including late fees assessed for not making full payments, and of course interest. The amount of interest being charged monthly is more than the payments I was making. I tried to settle with them, but nothing has worked. I can not afford an attorney for bankruptcy at this time, and their payment requirements are now beyond reach. 

I was going to utilize another credit card for a no interest period, but my credit has been destroyed and my other card now has only {$1000.00} available, not the {$12000.00} I had available when this started with my trying to settle with them over the last year or more. 

I have now paid so much interest that I have more than likely paid at least half of what would have been the original balance. I would like to see if you can help in any way. I think Capital One should have let me pay on the principal balance and stopped any interest from accruing. 

According to our Constitution, interest is not legal, and maybe some day that can be enforced again, but I would ask at minimum that they reduce the balance due by removing all interest they have charged me, at least for the last year or so that I have been trying to work with them, and also late payment fees while I was making the lesser payments they agreed to.. 

They told me it would save my credit report if I made the lesser payments under their plan but obviously that has not been the case. 

I finally stopped making payments because, as I said, the interest continued to be more than any payment I would make. Since discovering MasterCard is also providing funds for the invasion of illegal immigrants into our country by providing them with prepaid debit cards, it is my feeling that they should release all debt and clear my credit report. 

Thanks, XXXX XXXX
Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/21 a made a single purchase at a Victoria Secret Store ( Location XXXX ) with my Victoria Secret Card that purchase was for a {$130.00} I also wanted a gift card for a {$100.00} which would have bring the total to $ XXXXThe cashier tried to enter the amount the gift card portion but the purchase did the card did not work. Inadvertenly my card was charged twice for {$230.00}. I called the bank ( Commenity Bank ) that issued the credit card they will not issue a credit until they have investigated claim which can take up 90days which I was told by the customer representative. It is plain on the statement that I was charged for the same items over and over again. As a XXXX citizen I am being taken advantage of by the bank and also the store. Your help is greatly appreciated. Thanks
Consumer complaint received 2019-01-15
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I started the process of buying a house by making an offer on XX/XX/2018. I told USAA over the phone my work history on the XX/XX/XXXX. I was told on the XX/XX/XXXX that I had to meet a deadline of the XX/XX/XXXX, which was to give them all the information that they needed. The date was bolded and highlighted. I emailed them my employment history again ( I had already given USAA this information twice before, once over the phone and once over email. I had asked to e-sign the initial disclosure on the XX/XX/XXXX to which I had never gotten an email reply. I had called multiple times on the XX/XX/XXXX and XX/XX/XXXX to ask if they had received everything. I left voice mails and never got a phone call back. I then learned that on the XX/XX/XXXX USAA sent an email ro my real estate agent, saying that I had started the loan process on the XX/XX/XXXX. I was furious at the effort of USAA. I am most upset that they would lie to my real estate agent about dates on which I started this process. I decided that USAA was not putting for their fair share of the agreement and decided to switch lenders. I then called USAA to ask for a refund on my appraisal fee, since the appraisal was non transferable. On XX/XX/XXXX I was told that is was USAA policy that it is non refundable. The next day I called to ask for clarification and was yelled at, they refused to answer any of my questions and ultimately was hung up on.
Consumer complaint received 2019-01-15
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. (SC)

So XXXX XXXX and Experian is still reporting items wrong on my credit report? As you can see my reports has errors by law I'm required to get this fixed but it's not. I would like my credit report fixed as soon as possible so I want have to keep disputing items. Thanks
Consumer complaint received 2021-07-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am not getting any responses from the credit bureaus despite of several dispute I sent them for the past few months. These are the accounts I sent them for dispute : XXXX  XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX | XXXX  Account # : XXXX
Consumer complaint received 2021-07-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (IN)

My mother passed away 8 months ago today I called the bank XXXX/PHH to get the payoff I faxed the documents the bank gave me a extension on the forbearance it's due next month they changed the locks I have called many times I have emailed all the documents they are not even trying to get the paperwork in order I am the executor I am so sick from all of this please tell me what I need to do