davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (CA)

Well i diike the XXXX  monthy fee from Wellsfargo when you have a low balance Just wish the bank would remove the XXXX  Monthly fee to maintain your acc i dont think its fair they just took my money sometimes wellsfargo charge my acc with random fee i dont have or use like uber i dont use uber at all XXXX dollers they took XXXX dollers from my acc randomly on random charges or mistakes it was on XX/XX/XXXX i belive i called the company and they said they would look into it and give me temporary credits but thing like this keeps happening
Consumer complaint received 2018-05-18
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: EQUIFAX, INC. (FL)

I received a call or email several weeks ago about a loan promotion. I didn't inquire right away until several weeks later. So I called to find out the promotion she explained it over the telephone and I made an appointment to go in and apply and take income verification documents the next day.

I called to cancel my appointment that I didn't want to apply for the promotion.

I then get an alert from XXXX that a hard inquiry was made on my account. I couldn't think where that hard inquiry came from at first.

I checked my credit report to see and it was that loan company. I called and spoke to the manager and asked did she pull my credit report without my permission and she said it was a soft pull that her company could do.

I told her I was looking at my report and I haven't had a hard pull since XX/XX/XXXX and now I see one on XX/XX/XXXX from her company. I told her I did not authorize her to make a hard inquiry on my credit report.

I only made an appointment to come in to apply for the loan and bring in the documents required to apply for the loan.

She told me she would delete the inquiry but I checked my credit report this morning and it has not been deleted.
Consumer complaint received 2023-09-08
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. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TX)

2 inquiry that are incorrect and they don't belong to me.

1. credit accepta nce date XXXX XXXXXXXX XXXX XXXXXXXX  I don't have accounts with this companies. I already try to dispute them, everything is correct. As things that are listed on my personal credit report.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

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 information is inaccurate.
Consumer complaint received 2023-11-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

I am writing to file a formal complaint concerning a serious matter of inaccurate reporting and potential violations of the Fair Credit Reporting Act ( FCRA ). After conducting a thorough review of my credit report, I discovered multiple collection accounts attributed to a company with which I have never held an account. 

To address this issue, I initiated the following actions : Verification Letter : I sent a verification letter to the company, LVNV FUNDING , LLC, through their representative, RESURGENT CAPITAL SERVICES. This letter requested documents bearing my signature to confirm any agreement with the said company. 

Request for Back-Up Documentation : In addition to the verification letter, I requested any supporting documentation demonstrating the existence of an account with LVNV FUNDING, LLC. This includes evidence that I granted permission for the company to furnish information to the credit reporting agencies. 

Affidavit of Truth and Cease and Desist Letter : I submitted a detailed Affidavit of Truth along with a cease and desist letter, urging the immediate cessation of all calls and collection efforts until proper documentation is provided. XX/XX/ Verification of Licensing : I provided evidence that LVNV FUNDING, LLC is not licensed as a debt collector in the state of Pennsylvania, where I reside, raising concerns about the legitimacy of their actions. 

Despite these efforts, both LVNV FUNDING, LLC, and the credit reporting agencies, specifically XXXX and XXXX, continue to report the disputed debt without adequate verification. XXXX removed the accounts upon dispute. This ongoing listing is not only inaccurate but also infringes upon my rights as outlined in the Fair Credit Reporting Act. 

Title 15 USC Chapter 41 Consumer Credit Protection Subchapter III Details of the Violating Entity : Company : LVNV FUNDING, LLC Representative : RESURGENT CAPITAL SERVICES Address : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, SC XXXX
Consumer complaint received 2023-11-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FISERV INC. (CA)

I received two letters in the mail on XXXXXXXX XXXX XXXX. The company letter is telling me I owe XXXX and in the second letter they indicate I owe XXXX because of fees. I looked them up online and called them. The guy on the phone kept saying I owe XXXX not XXXX and had me provide the reference number on the letters sent. He asked for my name, phone number and address. Then told me to dispute the debt by filling out a form on their website. I went to the website and started to fill out the form but it asked for detailed bank information and more personal details. I felt very uncomfortable even though a XXXX search said they are legitimate. So I called my bank about it and they said it's a fake business. Also I called XXXX directly and the rep said that XXXX never sends letters in the mail and they do not use TRS Recovery Services for any debt related things. XXXX advised me to not give any more information and to report the fakeTRS Recovery Services company who seem to be just scammers.
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: HUNTINGTON NATIONAL BANK, THE (MN)

On my Huntington Bank credit card that ends in # XXXX On my XX/XX/2023 statement was a balance of {$2000.00} I mailed a check for the total outstanding balance of {$2000.00} On my statement XX/XX/XXXX, it shows that they received and applied that check on XXXX XXXX. In that same statement they charged me interest on XX/XX/XXXX. 
Charged Interest on a XXXX balance! I can provide a copy of this statement. 

So I made a copy of the XX/XX/XXXX statement- highlighting the paid received, XXXX balance and stated that this card was paid off. 

Now Huntington Bank is sending me nasty emails and phone calls that my account is past due. 

When I called Huntington Bank today, to talk about this they hung up on me. I explained that I am not paying {$14.00} interest charged on an account that has a XXXX balance. I also told Huntington Bank, that I am filing a complaints ( CFPB, OCC, XXXX ) against them. 
This is illegal and I should have my credit history corrected and Huntington Bank should be made to stop this illegal activity. 

Sincerely, XXXX 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. (MT)

In accordance with the Fair Credit Reporting Act, 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 a account without my written instructions
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (TX)

On XX/XX/XXXX I filed the first of myriad complaints with you over Barclays. Today its my birthday. To this day, XX/XX/XXXX, Barclays has reported to the CFPB it has closed my account as requested and even said 1 ) it would no longer send me account notices and 2 ) even agreed ( as recorded publicly here ) to refund my full {$99.00} XXXX. This was quite some time ago. I believed they meant it and felt wed received resolution. 

Since they told you this, they have sent two more letters to my home telling me my account is slated to receive some sort of electronic correspondence. Obviously form letters. I actually replied to the first one. I mailed it back, told them to stop and to send me the check. Today ( my mail is sent to me on the road from my permanent address ) I received a rude birthday letter of the same spam. Three weeks ago this was sent and no other correspondence. Obviously Barclays had no intent of mailing a check. I am entitled to at the very least a prorated refund. They stated I would be sent a whole {$99.00} one. Im now leaving the country again in 2.5 weeks and still do not have that money. Im considering small claims action to make the point. 

Id rather them stop lying.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/ I tried to revive a XXXX deposit and since it wouldn't take I called the customer services for JP Morgan Chase Bank and was informed that my account was blocked for closure with restrictions and that I could never again have an account with Chase. 
I inquired as for the reason and none was given. 
I went to my local branch and they reinforced what I was told on the phone. 
I was able to retrieve the funds I had but my Social Security check was returned without any warning. 
I never got a letter, a call, a text, warning, nothing Only found it because a transaction did not go through.
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (OH)

On review of this account is seems that they have created a whole new account number to the previous account that i had. I have lost access to online due the account being closed and no longer receive statements. I have called several times and get no where. Now i am being harassed with phone calls even after i have made payments the account. Only to be told im still past due for the other account that is connected to the current account. I was called for account ending XXXX at XXXXXXXX XXXX then at XXXX XXXX XXXX but being told that i only have one account but receiving collections for an account that does not exist.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (FL)

I have a Citibank checking account which I use every month to pay rent abroad to the same person in the same amount. I have been doing this for almost two years now. All of a sudden, the bank locked my account for " security reasons '' as of XX/XX/XXXX. I have been calling them since XX/XX/XXXX to get the issue resolved, have spent 3+ hours with representatives from their customer service, technical and fraud protection departments yesterday XX/XX/XXXX and today XX/XX/XXXX. They each say a different thing to me and I am still not able to access my account to pay my bills on time. This will cause me to be charged late fees and penalties. Some representatives say it is probably my device or my connection, however, I am using the same device and network I have been using for the last 2 years. I have also tried different networks and devices as well as the online app and I am having the same problem. I even had a relative who also has the same type of Citibank account use my computer to make a wire transfer to test the issue, and he was able to process the wire transfer without any issues. Therefore, my issue is not related to technology. Secondly, one of the representatives from the Fraud Department told me on XX/XX/XXXX that my account was under review for fraud matters and that they could not discuss ANYTHING with me while the account was under review and that I needed to call 24hours later. I did called 24 and 36 hours later and they still have not solved the isssue, continue to provide me with conflicting information and no solutions and I still don't have access to my account to make wire transfers. This is simply unacceptable! I encourage their customer service managers to listen to the recordings to see how rude, untrained, unhelpful and useless their representatives are.
Consumer complaint received 2023-11-28
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. (IL)

I filed bankruptcy on XX/XX/XXXX and the bankruptcy was discharged on XX/XX/XXXX. In that bankruptcy This XXXX XXXX account XXXX was included in a judgment of discharge on XX/XX/XXXX. There are no monies owed under this account and shows as a charge off and closed until I submitted a dispute with all 3 credit bureaus. Now it appears on my credit as money owed which is invalid. No monies are owed. As of XX/XX/XXXX, I mistakenly signed an agreement stating repayment on a card that I was not aware at the time of signing that it was the same card that was part of a past bankruptcy filed and discharged. I did not do the proper investigation or research before signing the agreement. Additionally I didn't know that legally a company can attempt to collect money after a bankruptcy has been discharged which is the reason why I assumed this was a valid debt before doing a thorough investigation myself. Upon pulling my credit in XXXX, XXXX, I found that this account was discharge and appearing at a XXXX balance. My reasons for filing the dispute even though my credit showed no balance owed was because I was making monthly payments on a debt that was charged off and wanted to be relieved of that agreement. I asked XXXXXXXX XXXX XXXXXXXX XXXX XXXX to have the agreement I signed dissolved and void due to my investigation. I have since contacted both XXXX XXXXXXXX and XXXX XXXX XXXXXXXX XXXX Firm disputing this amount I'm being sued for. I have provided all documents to support my bankruptcy filing and advised that the contract to be terminated. I have not received any callbacks from either XXXX XXXX or XXXXXXXX XXXX XXXXXXXX regarding this dispute. I'm asking to have this amount removed from my Credit and show no balances owed as it did initially before submitting a dispute with all 3 credit bureaus without any notes to be added to the closed account and charged off. I'm also asking to have all agreements dissolved.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Certegy Holdings, LLC (IN)

I have diligently attempted to contact the company on no fewer than 25 occasions over recent months. Unfortunately, my efforts to cash checks are continuously thwarted due to my identification being erroneously flagged as fraudulent. My current state of homelessness presents additional challenges, notably the difficulty in maintaining a consistent mailing address to receive correspondence. The absence of live telephone support and the company 's lack of response to faxed inquiries further complicate the matter. Moreover, I have persistently reached out through numerous written communications, yet to no avail. 

Alarmingly, it has come to my attention that multiple organizations have wrongly blacklisted me within a system that advises against providing me with any form of assistance. This constitutes not only a fraudulent misrepresentation of my identity but also bears the hallmarks of inaccurate reporting and discrimination. Despite my proactive and exhaustive endeavors to rectify the situation by all available means, the company remains uncooperative in addressing and resolving these critical issues. 

I have been denied of housing, check cashing, employment, etc sue to this false reporting and no response.
Consumer complaint received 2023-11-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (TN)

My homeowner 's insurance is escrowed per my final signed closing disclosure. I received notification from my insurance company that a payment is due for {$940.00} for the year. I also received a letter from my mortgage servicer ( Truist ) to contact them immediately regarding cancellation of insurance. The reason my insurance was being cancelled is due to the annual premium not being paid by my mortgage servicer. There is currently {$3000.00} in my escrow account per my most recent mortgage statement. When I called Truist, they informed me my homeowner 's insurance is NOT escrowed, even though it does show escrowed on my final signed closing disclosure. The letter Truist sent me also has my insurance policy number on it so I know there was some kind of communication between Truist and my homeowner 's insurance ( XXXX XXXXXXXX XXXX XXXX XXXX ). Truist is now saying they are force placing their own homeowner 's insurance because they received notification of my cancelled insurance, but their insurance is more expensive than mine. They informed me there is no way around this and that it is my responsibility to make sure the insurance is paid and my property is always covered. However, I signed the closing disclosure stating my homeowner 's insurance premium would be paid from my escrow account and that the reason the insurance was being cancelled is because they have not yet paid the annual premium from my escrow account. I spoke with a representative on XX/XX/2023 with all of this information and they are going to call me back tomorrow or the next day to follow up with me. 

I do not believe it is fair that I have to pay a higher insurance premium that Truist is force placing because Truist failed to pay my homeowner 's insurance on time.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I received credit fraud alerts from 2 paid subscriptions. I called equifax, ran a credit report and found the following 4 unauthorized, fraudulent hard inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the FCRA, I'd like these 4 fraudulent hard inquiries removed immediately.
Consumer complaint received 2023-09-13
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. (MO)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-09-13
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. (NC)

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-29
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. (GA)

If you feel there is a possibility that these all items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items that verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so these matter can be handled swiftly. 
XXXX XXXX A XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9800.00} 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