davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY (MA)

Dear WELLS FARGO CARD SERVICES : I am writing to address an issue that has recently come to my attention regarding my credit report. During a review with my loan officer over the weekend, it was pointed out that my credit report reflects late payments for XXXX and XX/XX/XXXX on this furniture credit card that i had opened back in XXXX. I believe these reported late payments are unfair, unjust, and inaccurate. 

I have always made timely payments upon receiving my statements. The only plausible explanation for this discrepancy is either a delay in the delivery of my monthly statement or an issue related to changes in my personal deposit accounts with my bank. 

Due to the financial and medical hardships I faced during this period, I request an immediate deletion of these late payments from all credit reporting agencies. Given our longstanding and positive relationship, I kindly ask for the removal of the XX/XX/XXXX day late payments from my credit report and a refund of any late fees assessed on my account. 

Additionally, under the provisions of the Fair Credit Billing Act ( FCBA ) 15 USC 1666b, 1681i, and 1692g, I believe I have been billed incorrectly. These violations and inaccurate reporting necessitate an immediate correction and deletion of these items from my credit report.

I spoke with a representative from your company today, paid the entire balance, and set up automatic payments with my new banking account. Your colleague mentioned that they would submit a request to the credit reporting agencies to remove the XXXX months of late payments as a one-time courtesy.
Consumer complaint received 2024-08-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (CA)

I had an auto loan with Chrysler Capital. On XX/XX/XXXX, there was an auto accident, and my insurance company deemed the car a total loss. XXXX has given me documentation that a check for {$24000.00} was paid to Chrysler Capital on XX/XX/XXXX, and the check cleared on XX/XX/XXXX. As of XX/XX/XXXX, Chrysler shows an account balance of {$23000.00} and a past-due payment of {$510.00}. Chrysler assessed a late fee of {$18.00} on XX/XX/XXXX. I called Chrysler Capital on XX/XX/XXXX and spoke to XXXX, ID # XXXX. I explained that Chrysler received the payoff on XX/XX/XXXX, and the check was cleared on XX/XX/XXXX. He confirmed that he sees that XXXX made the payment through the portal, but it takes time for it to post to the account. I asked him whether the late fee would be reversed, and he said no. He said it is my obligation to make payment until XXXX 's payment is posted to the account. I strongly disagree as the payment should have been posted to the account within a day or XXXX after it was received. Not only am I being charged late fees after the loan was paid in full, but I'm unable to purchase a new vehicle until I can show the loan paid off.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (NY)

LVNV keeps fraudulently reporting XXXX collection accounts on my XXXX credit report. I have no contract with this company, and I have repeatedly asked for them to produce a contract with my signature on it, stating I was responsible for this debt they claim I owe. They have failed on numerous requests to produce a signed contract. I have disputed this account with all 3 credit bureaus. XXXX wont delete these inaccurate accounts. These accounts are negatively affecting my credit score and need to be deleted immediately for falsely reporting!
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (PA)

Your agency is in violation! 
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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (GA)

I contacted Mr. Cooper in XXXX, having recieved notification that my condo insurance carrier elected to not renew. I was paying about {$250.00} annually, when I attempted to secured a different company I realized that a new policy would cost about {$650.00}. Being confronted with the type increase I contacted Mr. Cooper to inquire if the umbrella policy carried by my Condominium that offered full coverage for the exterior and building structure. Since I was already assuming full liability for house hold contents, would it be acceptable to not purchase another XXXX policy I was advised that this would be okay, this was XX/XX/year>. 
I contacted Mr Cooper again in XX/XX/year> and agin XXXX, once the XXXX policy expired to confirm that a new XXXX policy would not be required. During the contact once I confirmed that a new XXXX policy was not required I requested that my escrow be adjusted to eliminate the withholding for the XXXX policy, the person that I speak with confrims the request. Then I continue receiving demands for the XXXX policy with a threat that Mr. Cooper will purchase the policy on my behalf that will only cover the structure, which is the policy that my community umbrella policy provides. 
Please help me to get Mr. Cooper to understand that they have the necessary certificate of Liability Insurance on file. Then to have my escrow payment adjusted to eliminate the withholding for insurance and to return the amount paid year to date.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (TX)

Everyday Checking was opened on XX/XX/XXXX email confirmation from WF confirming eligibility to the {$320.00} sign on bonus. Terms of the offer states below and you can view it on the attached PDF for the current latest offer : -Wells Fargo is offering a {$320.00} bonus when you open a new Everyday Checking account and complete the following requirements : -Receive a total of {$1000.00} or more in qualifying direct deposits to the new checking account within 90 calendar days from account opening ( the qualification period ) -This offer is for new checking customers only. All Wells Fargo consumer checking accounts are eligible for this offer with the exception of checking accounts offered by Wells Fargo Private Bank. 
-You must use your bonus offer code at account opening when you apply for a new eligible Wells Fargo checking account. 
-You are not eligible for this offer if : -You are a current owner of a Wells Fargo consumer checking account -You have received a bonus for opening a Wells Fargo consumer checking account within the past 12 months -You are a Wells Fargo employee -Once the 90-day qualification period has elapsed, we will determine if you have met the offer requirements, and will deposit any earned bonus into your new checking account within 30 days. 

I did not have any other WF checking account as of XX/XX/XXXX, though I did open a XXXX XXXX  account on XX/XX/XXXX which still meets the condition of the offer. I have not received a consumer checking bonus within the past 12 months as of XX/XX/XXXX. I'm not a WF employee. Acct was funded with {$50.00} on XX/XX/XXXX. Acct had direct deposit of {$3900.00} on XX/XX/XXXX which meets the requirement of more than {$1000.00} within 90 days of account opening. Based on all this, I have satisfied all requirements for the {$320.00} bonus. It's now XXXX and I have yet to receive the {$320.00} bonus. that is 133 days since XX/XX/XXXX. As per terms above and on the offer, payout for the bonus would be within 120 days or earlier. 

Please review and provide payment of the {$320.00} bonus offer.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I made a previous complaint here # XXXX the company responded but I didnt accept it. 
I do not accept the response to complaint # XXXX provided by Wellfargo because the documents/evidence submitted do not support or prove that Wellfargo did not close my retirement savings account without my consent. The evidence is unclear and does not match, much less prove that I closed my retirement account and converted it to a CD account. One document was signed in XXXX and the other in XXXX. The other reasons why my complaint would be open are stated in my feedback to the company response
Consumer complaint received 2024-08-06
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (OH)

XX/XX/2024 I noticed a bill show up in my online access for my banking card. When I looked closer it was for Macys. The bill was over {$300.00}. I never made a purchase that large so I called toll free number and was told the purchase was mailed to an address in XXXX XXXX XXXX XXXX XXXX XXXX and would never have a purchase sent anywhere other than my home. At that point they opened a fraud investigation. In XXXX I returned a call per Macys credit card to explain why I was filing/disputing this charge. In XX/XX/2024 I received a letter stating that I didnt prove the purchase wasnt made by me and that I was now responsible for full payment. I did not make or authorize any purchases that were sent anywhere than my home address. Ive never had a history of going such things with this Macys store card. I should not have to pay for something that I didnt purchase or authorize.
Consumer complaint received 2024-07-11
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. (NY)

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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I am reporting a fraudulent inquiries found in my credit report
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX, # XXXX.
Consumer complaint received 2024-07-11
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. (GA)

I appreciate your efforts to help me to correct the previously reported misleading information on my credit file. However, I am not satisfied that you have fully complied with the guidelines of the Fair Credit Reporting Act ( FCRA ) in conducting this examination. I believe that further action is required to ensure maximum possible accuracy on my credit file. Please help me check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. If your investigation can not confirm the validity of the account 's information, I believe this indicates it is inaccurate. Additionally, I request a description of the procedure used to determine the accuracy and completeness of the information. Therefore, I am requesting another investigation with you of the account detailed below. 
XXXX XXXX XXXX XXXX : {$3300.00} - Please correct this immediately
Consumer complaint received 2024-07-11
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)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-09
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. (FL)

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.

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 inructions 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These are the inquiries which should be off from report.
Consumer complaint received 2024-07-09
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. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Credit fraud- Someone tried to open a credit card with XXXXXXXX XXXX XXXX on XX/XX/2024. I did not authorize this attempt and it was not me. It is placed as a hard inquiry on my credit report.
Consumer complaint received 2024-07-09
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. (TX)

CEASE & DESIST FROM REPORTING IMMEDIATEDLY TO MY CONSUMER REPORTS XXXX XXXX TRANSUNION, I HAVE NO KNOWLEDGE OF THIS
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-09
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. (MA)

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.

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2024-07-09
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. (TN)

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX  Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX  Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX Account Number XXXX has violated my rights. Or a list of inquiries : 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-07-09
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. (IL)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

The inaccuracies on my report has been weighing on me heavily that I no longer find the purpose to XXXX XXXX XXXX. My family suggests that I rely on XXXX to ease my overthinking, but I can not afford anything due to my downgrading credit scores- and its because of these accounts. It would mean a lot for you to remove these.