davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (MD)

XXXX Primary email address received notification that a new line of credit had been opened on XXXX XXXX  account without my knowledge or authorization. 

XXXX Primary email address received notification that a new line of credit ending in XXXX had been made on Wells Fargo account without my knowledge or authorization. 

XXXX Secondary email address received notification that a new line of credit with XXXX ending in XXXX had been made opened without my knowledge or authorization. 

XXXX Primary email address received notification that a new line of credit ending in XXXX with XXXX XXXX  had been made on my XXXX  account without my knowledge or authorization. 

XXXX-present Additional account created and transactions trying to finalize without my authorization or knowledge.
Consumer complaint received 2023-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (NC)

I have tried emailing through the portal and calling the company about the status of my SAVE plan and application. I haven't received a response through email and I wasn't able to get ahold of anyone through my phone call. I requested information related to my loans being placed in " XXXX XXXX XXXX '' and my payments continuing to be delayed after applying for the SAVE plan. I have not been able to get in contact with anyone and my payment date continues to be delayed with no actual communication. My application was completed on XX/XX/23. 

My interest continues to accrue daily and I would like my payments on the SAVE plan to start, so that I can benefit from the plan. I never requested a forbearance to be placed on my account.
Consumer complaint received 2023-12-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

Since 2018 when my CD account was automatically renew with a supposedly highest interest for 48 months, I received the maturity noticed with an interest of XXXX APY not the highest as they offered with the long term ( longer terms May earn higher interest rates as Wellsfargo offered me in the letter attached ). Also they paid me the lower interest seen in my life for a money market saving account in comparison with others financial institutions, so I need assistance in this matter to recover all my lost, not even today a credit card interest are from XXXX XXXX to XXXX XXXX for a loan of {$1000.00} So they used and hold my money to make their profits.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I opened a business checking account with Bank of America that had a promotional bonus of {$1000.00} for maintaining a {$30000.00} bonus for 60 days. I completed the requirements for the bonus and Bank of America will not pay it, claiming I should have used an offer code. No offer code was required when I opened the account, nor is one required in the terms and conditions found in the attached screen shots of the application page.
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MO)

Early XX/XX/XXXX ( around midnight or after ) I was scheduling payments to be made on Friday ( XX/XX/XXXX ). I was trying to schedule a payment on my Venmo account and I had confirmed the payment on the initial screen I had selected everything ( source of payment, date, amount ) and I had hit accept. It wasnt until the next screen popped up with the confirmation confirmation number that I realized I scheduled it for XX/XX/XXXX instead of XX/XX/XXXX, and there was nothing I could do about this. I tried calling right after it happened, I tried emailing, and I called again after work I was told that there was nothing they could do. 

I feel like Im being penalized as a consumer for an oops when I have tried doing my due diligence to correct this, but apparently there is nothing than can be done.
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (CA)

This Name is incorrect please delete : XXXX XXXX XXXX I'll never live in the following addresses it is incorrect please XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Delete all the unauthorized hard inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This collection is not mine I'm a victim of Identity theft please delete : XXXX XXXX XXXX {$100.00} XX/XX/XXXX
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I applied for refinance with XXXX XXXX XX/XX/XXXX a mortgage company. They took the information from Transunion. As of XX/XX/XXXX I have had over XXXX mortgages calling my phone and counting. I did not authorize Transunion to give or sell my information. As I purple heart veterans and a single parent this is a direct violation for my personal right. I am uncomfortable with different people calling my phone and harassing me.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I asked XXXXXXXX XXXX to remove my late payments since the loan was paid off XXXX XXXX2023 XXXXXXXX XXXX has 15 late fees I paid off when I paid the balance in full XXXX XXXX 2023. XXXX XXXX said they can not remove the 15 lates fees which were not my fault. I asking for XXXX, XXXX and equifax to remove the late fess. I am trying to buy a house and the late fee changes are hurting me. Please help me.
Consumer complaint received 2023-05-08
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. (TX)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear. Thank you.
Consumer complaint received 2023-05-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: N.A.R., Inc. (UT)

I paid this debt in full on XX/XX/XXXX to the constables in XXXX, Utah. Both NAR and the constable agree that the debt has been resolved. However, NAR is claiming that a {$100.00} payment has been lost and is refusing to update the account on my credit report or submit to the court that the judgment has been paid in full.
Consumer complaint received 2018-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In XX/XX/2018 I disputed an inaccurate item with TRANUNION Credit reporting company. TRANSUNION did the investigation and replied back as the account was verified. In XXXX I disputed the inaccurate account WITH TRANSUNION AGAIN THE ACCOUNT which is Country Door # XXXX and they replied back as verified again in XXXX On XX/XX/XXXX I sent in another certified letter to TRANSUNION I have copies of the mail receipt that I sent the letter certified to TRANSUNION,, The letter was METHOD OF VERFICATION. I ASKED TRANSUNION TO SEND ME THERE METHOD OF VERFICATION SO THAT I CAN SEE WHO AND HOW THEY VERFIED THE ALLEGED ACCOUNT, ,BY LAW AND PER FCRA I AM ENTITLED TO SEE THE METHOD OF VERFICATION AND HOW THE VERFICATION PROCESS WAS PROCESSED. ON XX/XX/2018 TRANSUNION COMPLETED THERE INVESTIGATION AND FAILED TO SEND ME THERE METHOD OF VERFICATION,,, HOW ARE THEY verifying THESE ACCOUNTs with the creditors and me as the consumer cant get the copies and or information on there method of verification,,, TRANSUNION has violated the law, has violated my rights as a consumer ... On XXXX all TRANSUNION sent me by mail was the account was modified,,, I asked for the METHOD OF VERFICATION WHICH I AM ENTITLED TO. I HAVE COPIES OF THE LETTER THAT I SENT CERTIFIED TO TRANSUNION ON XX/XX/2018 THEY RECEVIED MY LETTER ON XX/XX/2018 AND HOW IS IT THAT TRANSUNION CANT AND DIDNT SEND ME THERE METHOD OF VERFICATION,,, I AM GOING TO FILE A SMALL CLAINS FOR THE NON COMPLIANCE,,,, OR DELETE THE INACURATE ACCOUNT OFF MY FILE. TRANUNION IS NOT FOLLOWING THE FCRA RULES,,, YOU FAILED TO SEND ME THE METHOD OF VERFICATION WHICH IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT 611 ( A ) ( 7 ) MY LAST AND NEXT STEP IS SMALL CLAIMS FOR VOILATIONS AND NON COMPLIANCE OR DELETE THE INACCURATE ITEM OFF MY CREDIT FILE
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriCollect (FL)

I have tried several times to contact the company AmeriCollect about a duplicate account that they are reporting to my credit report and it is affecting me from obtaining credit. My last dispute I attempted was last month and it came back verified and updated. The accounts are the same. Same amounts. Only difference is that one has an A added to the end of the account number. One was reported on my account on XX/XX/XXXX and the duplicate was reported on XX/XX/XXXX.
Consumer complaint received 2023-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

There is an XXXX XXXX XXXX XXXX ATM closer to me than a Wells Fargo ATM and it claimed to take my card. I used it to deposit {$300.00} in cash on XX/XX/2023, however, the ATM claimed it could not deposit one or more bills and therefore did not deposit any of the money. It did not return the bills, only my card and gave me a receipt instead. The transaction did not appear on my Wells Fargo app or records. I called the service number on the receipt from the XXXX ATM on XX/XX/2023 and they said they could not issue me any credit because I bank with Wells Fargo and Wells Fargo had to resolve the issue with them. I filed a claim with Wells Fargo the same day, XX/XX/2023, and it was closed XX/XX/2023 but I did not receive the money. I was able to reopen the claim on XX/XX/2023 because it was not reported the first time that the ATM was a non-Wells Fargo ATM. This time I also sent in an image of the receipt the ATM printed. The claim was closed once again on XX/XX/2023. It was never disclosed that both times the claim was closed and unable to be resolved because the receipt was not proof enough of the transaction until XX/XX/2023 when I called a last time to ask for the reason why I was not being issued the credit missing. Wells Fargo claims to be unable to resolve the issue because the XXXX ATM voided the transaction, preventing it from appearing on my transaction records and eliminating digital trace that my card was entered into the ATM, despite the receipt issued by the ATM that has the first and last four digits of my card printed on it, along with other information of the transaction.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MI)

I opened a gardener white credit card and then XXXX hit. I had no money and was unable to make my payments due to the world wide pandemic. This account was supposed to go into a state of pause until we were able to go back to work and the world came back online. I kept in touch with them because we couldn't get unemployment and we were unable to even feed out family, let alone make the payments. 
This account was supposed to go on hold until the end of XXXX. XX/XX/XXXX, I called to start making my payments again and they told me the account had been sold to a collection agency. I didn't understand - I thought we had an agreement to not hit my credit report negatively and the account was supposed to be on hold. they couldn't give me any more information than that and I was unable to make a payment. 
I later found out that they transferred to XXXX XXXX management with a TON of fees that were not supposed to be there. I never got a bill. I thought we had an agreed arrangement. I had never had a late with them and I did my due diligence to call and put the account on hold until COVID was over. I understand that I owe some money to finish my loan with them, but it is not what is reporting at {$2000.00}. I believe I owe closer to $ XXXX {$1000.00} but nobody can tell me anything. 
I am not saying that I wont pay this but this is not my fault and I cant be blamed for XXXX pandemic that ruined my income and be penalized this way. I would like records of what was done and I would like to only pay what I owed initially as this is what is fair.
Consumer complaint received 2023-05-08
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: CL Holdings LLC (FL)

I have already disputed this account and won same debt with a different debt collector the account was turned to closed account then removed now it's back as a derogatory collection the have the wrong information the account was open like 5 years ago I'm aggravated cause it just damaged my perfect credit score that I been working hard onIn accordance with fair credit reporting act convergent account # Jefferson capital syst # XXXX XXXX XXXX XXXX # Has violated my right. 15 u.s.c 1681 section 602 A. States I have right to privacy. 15 u.s.c 1681 section 604 A section 2 : it's also state a consumer reporting agency can not furnish account with out my written instructions.
Consumer complaint received 2018-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

I inherited my mother 's home as her sole heir through her recorded Will when she died XX/XX/XXXX. The home has a loan through Ocwen Loan Servicing/XXXX XXXX XXXX XXXX that originated XX/XX/XXXX. In XX/XX/XXXX, while I was residing at the property, the loan fell behind due to the financial strain of the circumstances and in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I attempted to assume the mortgage through a family transfer package with plans to follow with a modification application to address the arrearage per Ocwens ' council. All 3 transfer attempts were denied, per Ocwen, due to the lack of my possession of the property deed. In XX/XX/XXXX, I again applied for a family transfer based on my inherited rights and at the encouragement of Ocwen and was denied due to not residing in the property at the time of the application. In addition, I was made aware that despite my inherited interest in the property and payment of the monthly contract amount I was not eligible for family transfer. Specifically, if transfer occurred while I was not residing in the property or if said property was rented for 3 years or more, the mortgage would be due and payable. I have been making mortgage payments as agreed with Ocwen however I am now barred from title and ownership because I reside in Maryland to work as a XXXX  XXXX on XXXX XXXX XXXX. I asked for an alternative resolution and was not provided with any options.
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (CA)

Credit card/new account BILT by Wells Fargo opened at the beginning of the year. I was able to use it properly for the firs 2-3 months. From XX/XX/XXXX until probably XXXX of XXXX Then my access to online account was banned. After several attempts and different departments getting involved they failed to resolve the issue until last month. A total of 8 months without having access to manage my own account. I did not know my balance nor all the fees they were adding monthly since I had a balance pending ( did not know exactly as they blocked my access and couldnt explain why bilt by Wells Fargo bank ) not only they charged me several late fees and interest but this has impacted my credit score severely. I am more than willing to make a payment for the actual balance prior to them blocking my account for reasons that they couldnt even explained until a month they reached out saying my account is now active to continue using. But I am now left with a bad credit report, a lower credit score and interest fees that I do not should be liable for. I have emails to proof that they were communicating and trying to resolved the matter that was out of my control and it was on their end.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (TX)

Santander has been reporting account below status as a charge off for the past 5 years but never received 1099-C for this bad debt charge off. Failure to provide that documentation for this account is a violation of rights under FCRA and is causing harm. 

Account XXXX  XXXX Attached is reporting payment history
Consumer complaint received 2024-04-12
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. (NV)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-12-12
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

I have been texted previously and again today this message at XXXX XXXX  : " Law Offices of MBA, a Debt Collector : Please contact us if you have questions at XXXX or visit us at XXXX : XXXX To optout txt STOP '' My computer says Hmmm - can't reach this page. Check if there is a typo, etc. 
They are a scam. We do not owe any debt.
Consumer complaint received 2018-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2018 a fraud charge for XXXX was placed on my credit card. 
I never went into the store nor authorized the charge on my behalf. 
I never use the card other than emergencies, so I didn't notice the charge. 
My identity was stolen which included Identification my purse my credit cards and my laptop with saved log in information. 
I notified the company regarding this transaction when I noticed a bunch of random charges and accounts on my credit report XX/XX/18 My credit up until this point was Steller and never filed any sort of dispute.

Bank of America denied the claim do to them filing it wrong as a duplicate card rather than Identity theft.

I called and was notified as to a fraud specialist filling out the complaint wrong. 
It was reopened and denied due to someone logging in to my online account. 

They said I should of noticed which it wasn't me due to the fact it was a credit card used for emergencies.
Consumer complaint received 2023-09-16
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. (MD)

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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 XXXX 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 2023-04-23
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. (NV)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX : {$870.00}.