davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-26
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. (LA)

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 any following items on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here are the following items which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-26
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: EQUIFAX, INC. (TX)

I am formally requesting for your further assistance and to dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. This XXXX XXXX XXXX XXXX Balance : {$4700.00}, should be corrected right away.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/, Bank of America 's autopay system withdrew a payment of {$260.00} despite the fact my account had a {$0.00} balance as of XXXX After the autopaymentI had an account credit $ XXXX. I called Bank of America on XXXX XXXX XXXX and requested the amount be electronically refunded as soon as possible. The representative I spoke with said it would be refunded in 7-10 business days. After 10 business days I still did not receive the promised refund. I called again on XX/XX/XXXX to request the status. The customer service person told me that the previous representative made a mistake in submitting the request on my behalf. As a result it will now be refunded within 1-2 billing cycles. This could be up to 60 days. I expressed that this was unacceptable to me. The representative could not offer any solution to refund me sooner. I requested Bank of America close my account on the same XX/XX/XXXX call. The customer service representative confirmed this request with me over the phone. As of XX/XX/XXXX, my account is showing as active on their website and mobile app. It appears they did not honor my request to close my account.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2023-08-26
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)

I am formally requesting for your further assistance and to dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. This XXXX XXXX XXXX XXXX Balance : {$4700.00}, should be corrected right away.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

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 any following items on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, LA XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX XXXX XXXX XXXX, LA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2020-08-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC (GA)

The company Sunrise Credit Services called me in an attempt to collect a debt in XXXX. At that time, I told them to send me everything they had to validate the debt was owed and that I owed it. I also told them not to contact me via telephone anymore that I would handle this all through certified mail once I received their validation materials. 

I have received numerous calls from them at various numbers throughout the remainder of XXXX and the beginning of XXXX even though I ask them daily to remove me from their list of calls. I once again state I need anything they have validating the debt before I engage in any further discussions. 

Several times I was told I wouldn't receive any other phone calls from them, but they still continue. 

I asked today for the name of a compliance officer within their organization I could notify that they were out of compliance and was told " we don't have one '' and " I can help you with that. '' Finally, after being hung up on several times, I got in touch with someone who gave me the name XXXX XXXX, but when I asked if that was the compliance officer, they refused to answer yes or no.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MO)

For the past two years now, Equifax has refused to provide legally accurate updates regarding my true credit score as determined by my documented financial history with my student loan ( originally XXXX, now XXXX ) and credit card service provider ( XXXXXXXX XXXX ). 
I have previously had the same issue with XXXX, however, they recently have started providing me with timely and accurate credit score updates based on my documented financial trends. I have not missed a credit payment for over 4 years now, have an extremely low and recoverable debt ( especially since 1 of 2 debts is a suspended student loan, pending possible cancellation ), have made on-time payments, and kept my credit utilization to a low and safe percentile for the past several years, and my one and only credit card provider has raised my credit limit routinely, every three months, for the past two years. 
Attached is evidence from XXXX XXXX that my Equifax report does not match my XXXX report by an unacceptably large difference; please note which pdf file pertains to which Credit Reporting agency as determined by filename. My XXXX score has fluctuated, primarily positively, but also negatively, over the past year ; however, just like my last complaint to CFPB about Equifax, my Equifax score has unacceptably " not changed '', neither positively nor negatively over the past year. I am now absolutely determined to get this resolved and will be completely paying off the little debt I possess until my credit score is properly and completely corrected with Equifax. 
I have researched via XXXX that most people on average experience the same credit score between XXXX and Equifax, however, my XXXX and Equifax score have grossly differed for the past three years. It must be immediately determined what is preventing legitimate credit score updates, to me, from Equifax, as at this time I am by all means regarding them as being in a state of incrimination. Please investigate! Thank you.
Consumer complaint received 2023-08-26
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: Experian Information Solutions Inc. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-07-26
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. (PA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
( Account name : XXXX XXXX XXXX XXXX ) ( Account name : 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 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 2023-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NV)

Hi Wells Fargo Support Team- I noticed several fees on my Wells Fargo account that I would like to ask for a refund on. I have been a loyal customer of Wells Fargo and hope to continue, but these fees are becoming really frustrating .... Especially when there are now so many fee-free banks and its been such a tough year! 

Can I get a refund on the {$470.00} from my transactions below? 


MONTHLY SERVICE FEE - XX/XX/XXXX - XXXX XXXX MONTHLY SERVICE FEE - XX/XX/XXXX - XXXX XXXX MONTHLY SERVICE FEE - XX/XX/XXXX - XXXX XXXX MONTHLY SERVICE FEE - XX/XX/XXXX - {$10.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$96.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$300.00} ATM CASH APPROVED IN OVERDRAFT AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX - XX/XX/XXXX - XXXX XXXX  MONTHLY SERVICE FEE - XX/XX/XXXX - XXXX XXXX MONTHLY SERVICE FEE - XX/XX/XXXX - {$5.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$300.00} ATM CASH APPROVED IN OVERDRAFT AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX - XX/XX/XXXX - XXXX XXXX MONTHLY SERVICE FEE - XX/XX/XXXX - XXXX XXXX MONTHLY SERVICE FEE - XX/XX/XXXX - {$5.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX NV ATM ID XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2.00} MONTHLY SERVICE FEE - XX/XX/XXXX - XXXX XXXX  MONTHLY SERVICE FEE - XX/XX/XXXX - {$10.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$200.00} ATM CASH APPROVED IN OVERDRAFT AUTHORIZED ON XX/XX/XXXX XXXX Centennial Center Bl - XX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$10.00} AM XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX MONTHLY SERVICE FEE - XX/XX/XXXX - {$5.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$96.00} RECURRING PAYMENT AUTHORI ZED ON XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$9.00} RECURRING PAYMENT AUTHORI ZED ON XX/XX/XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$46.00} RECURRING PAYMENT AUTHORI ZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$21.00} RECURRING PAYMENT AUTHORI ZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$200.00} ATM CASH APPROVED IN OVERDRAFT AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX  MONTHLY SERVICE FEE - XX/XX/XXXX - {$5.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$100.00} ATM CASH APPROVED IN OVERDRAFT AUTHORIZED ON XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$35.00} Thanks a ton, XXXX
Consumer complaint received 2023-07-26
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: Experian Information Solutions Inc. (FL)

I JUST SEE THOSE INQUIRIES ON MY CREDIT REPORT AND ALL OF THEM WAS FRAUD AND SHALL DELETE FROM MY CREDIT REPORT. 

XXXX XXXX INQUIRY DATE : XXXX  WAS FRAUD AND SALL DELETE. 

XXXX XXXX XXXX DATE : XX/XX/ SHALL DELETE DUE TO FRAUD. 

DELETE ALL TYHOSE FRAUD INQUIRIES FROM MY CREDIT REPORT.
Consumer complaint received 2023-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (NV)

I contacted the company directly regarding the UNAUTHORIZED credit inquiry appearing on my XXXX credit report. I informed them I had not made any application for credit products from their company. I was advised that the issue would be reviewed and resolved. It has been several weeks and still no resolve. I contacted XXXX directly to resolve the issue as well. To date NOTHING has changed.
Consumer complaint received 2020-08-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PLANET HOME LENDING, LLC (GA)

Issue is Origination Fee changed after lock-in. 

XX/XX/2020 Closing Disclosure : Interest Rate 3.375 %, Origination Fee : {$290.00} XX/XX/2020 Closing Disclosure : Interest Rate : 3.375 %, Origination Fee : {$1500.00} When I asked the mortgage broker why our rate changed, even though we are in the lock in period. This is the response I received. 

" Your rate didnt change after it was locked. When we added the loan subordination, it cost XXXX in discount points which translates to {$1200.00}. This is not a Planet Home Lending fee. This is an unavoidable fee from XXXX XXXX  when there is a subordinated loan. " - Planet Home Lending Mortgage Broker I tried contacting XXXX to confirm their stance on this fee, but their customer service desk was unable to confirm this. 

The subordination was not a new item, it was known ever since the credit report at the beginning of the lock-in phase. 

I'm simply looking for the validation of the following two questions : -  That this is truly a mandatory fee for Mortgages with subordination as mandated by XXXX XXXX  - Shouldn't the Disclosure document have this information from the beginning ( first disclosure ). e.g. Why have a disclosure of fees document, if the fees keep changing.