davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (MS)

On XX/XX/XXXX I stayed on phone with XXXX for an hour and half you could tell she was reading a script she keeps putting me on hold finally told me there were some errors in my account make XXXX payments and it would be in modification. Modification, is changing some part of a situation you are in. Wells Fargo modification shows I have XXXX loan numbers that has not been corrected. Payments keep changing amounts. I was told by XXXX at extension XXXX well I tried to call her on Wednesday to make a payment like XXXX told me to she did not answer the phone or even return my call I started on Thursday to get in touch with her to make a payment. I git XXXX he took the payment got a confirmation number and it cleared my XXXX XXXX  account the next day. 24 hours later on Friday I started calling to make the second payment could not get XXXX that I was told to call got XXXX gave her the payment information asked for confirmation number and she tells me WF does not give confirmation numbers. XXXX gave me one on Thursday, " he did not know what he was doing '' as of XX/XX/2023 the payment has not been posted funds have not been taken out of my account. How can something be so different in 24 hours. told to talk to XXXX not she does not answer and how do I get a confirmation number of funds not withdrawn. Called back on XX/XX/2023 talked to XXXX, was told XXXX was not available he could help, but all he did was read a script by repeating ; himself. I have done everything WF have instructed me to do, however WF has not keep their word on anything they have said other than put my house in foreclosure with a sale date.

WF is discriminating and just like so many other homeowners taken their home, that is what is happening to me.
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Company closed account after company placed duplicate credits on account following disputes. Company had been previously complained on and seemingly sabotaged account holder in effort to close account or scam out of money and close account as a phishing attempt was made on the same day credits were received and this doesn't seem like a coincidence. Agent was very rude when initially learning of account closure stating USAA no longer does business with you goodbye. Without stating the nature of the closure or that duplicates has been placed on account by a USAA analyst. This company needs to be thoroughly investigated as I am certain there is someone commiting fraud in house and putting a lot of hard working Americans financial state at risk.
Consumer complaint received 2023-11-30
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. (GA)

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 XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXX 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 2023-11-08
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

PLEASE REMOVE THE FRAUD ALERT ON MY FILE, I DID NOT AUTHORIZE ANYONE TO PUT IT ON MY CREDIT REPORT, I DON'T WANT IT. PLEASE. THANK YOU!
Consumer complaint received 2023-09-22
Product: Debt collection — Auto debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Bepensa Capital, Inc. (VA)

I am a XXXXXXXX XXXX and work long hours. This company has repeatedly contacted me causing XXXX and distress asking me regarding my brother which I have told them 3 times I no longer live with. I explained I did not know of his new address and they actually questioned on the phone if I was telling the truth. 
Despite this they still contact me during my work hours and after AND just today they have emailed me. 
Please note that I am not the debtor. They have harassed my mother and my stepfather as well. 
The one time back in XXXX when I spoke to my brother about these calls he never disclosed any information about what this was regarding. Initially I thought it was a shady friend of his due to the ridiculously illegal methods of contact to his family. 
Today I have received an email with the subject line XXXX. This means it is a car loan and therefore this so called company has violated federal law as they have disclosed loan information to a third party. I am appalled. I have proof and will consider legal pursuits.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

When I investigated my credit report, I realized that the same accounts were erroneous. The 3 credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXX XXXX Balance : {$4400.00}, XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-11-30
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. (TX)

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This is a Formal Complaint against Bank of America Regarding Deliberate, Unjustified and Unwarranted Delay in Processing Refund Claims. These delays are now causing me severe financial hardship. This intentional failure by Bank of America not only contravenes established banking practices but also subjects me, the client, to significant financial harm and undue stress. On XX/XX/2023, I initiated two refund claims with Bank of America in the total amount of {$4700.00} [ Claim # XXXX {$2000.00} AND Claim # XXXX {$2700.00} ], pursuant to a transaction involving " Real Qualified ''. The Vendor, acknowledging the legitimacy of the claim, has promptly AGREED TO REFUND THE DISPUTED AMOUNTS. Documentation submitted to Bank of America, including the Vendor 's evidence of unsuccessful resolution of both disputes ; along with the Vendor 's acknowledgment and FULL INTENT TO REFUND. Despite the Vendor 's compliance claim and the conclusive evidence presented, Bank of America has intentionally and maliciously failed to process the refund in a timely manner, violating its duty to act promptly and in good faith under applicable banking regulations. In addition to the financial hardship, I wish to bring to your attention that I have called Bank of America 's Claim Department multiple times, nearly daily. Each time I call, I am informed that the " Back Office '' is responsible for resolving this matter. However, there is no available means to contact the Back Office directly, whether by phone, email, or mail. In light of the Vendor 's acknowledgement and the evidentiary support provided, Bank of America 's continued failure to process the refund constitutes a breach of fiduciary duty, a violation of federal banking regulations, and a breach of the duty of good faith and fair dealing implicit in the banking relationship. I respectfully request that the Consumer Financial Protection Bureau of the Currency conduct a thorough investigation into this matter, compel Bank of America to promptly process the refund, and take any necessary corrective actions to ensure compliance with applicable banking regulations. I appreciate your prompt attention to this matter and look forward to a resolution that upholds the principles of fairness, transparency, and consumer protection within the banking industry.
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NJ)

This is regarding a closed issue # XXXX in which I am disputing the late fees and finance charges on a closed account with TD Bank XXXX I PAID WHAT I OWED ON THIS ACCOUNT AND WILL NOT PAY ANY LATE FEES AND FINANCE CHARGES. This is outrageous - I paid what I owed on this account period. I advised TD Bank that all my accounts were to be closed in XXXX, XXXX I was never made aware that this one account was still active. I would like to know as stated by TD Bank when, in fact, I received two waivers in the last 12 months which is what they are stating in their response. Their billing system is quite confusing and I did request a waiver at one point in the last year and this would only be the second, and it should go back to when the original charge was made. I have accounts with numerous banks and TD Bank I closed because of the confusing way they credit and debit charges. All I am asking for is for them to waive the finance and late fees on a closed account. I have not used any of TD accounts or charges other than the two charges of {$4.00} which I paid immediately when I became aware that AOL charged this account. Please reconsider and advise me accordingly or what other options I have to take.
Consumer complaint received 2024-03-29
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. (VA)

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 : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : 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 2023-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I deposited a XXXX check into my account for my XXXX XXXX I had received it back signed by him in the mail. I didn't know I also had to sign since it's going into MY account. I called Monday, was told that the funds would be available today. This morning my account was XXXX overdrawn. I called, was told they needed me to verify that it was approved by him. I called the bail settlement people that sent the check initially, put him on XXXX call to have them give me access when he isn't on the phone. They did that. I went into the branch was told they needed me to call and have my account taken off restriction. I call, they need a number for my boyfriend who I told them is XXXX  and he received the check FOR being XXXX.
Consumer complaint received 2023-12-05
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Affirm Holdings, Inc (KY)

I have never done business with " Affirm '' and have not taken out loans that have been sold to them. However, they keep sending emails to my address stating I owe overdue payments on three different loans. 

I frequently get misdirected emails for other XXXX XXXX, so I called Affirm and suggested they might have the wrong email address, that I had never taken out any loans through them and did not owe them any money, that they should call the person for the identified loans and get the correct email address, and that they needed to stop sending me emails. I am still getting emails. They also send me emails through " XXXX '' that says I owe money. 

I definitely do not owe them any money and there was never any process through which I verified my email was associated with any account. I have received dozens of these emails in the last two months.
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc. (CA)

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 item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) # # # # # 49 Amount {$2400.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have a personal checking and savings accounts that were opened in XXXX of 2020, and neither of them are showing up on my credit report. It only shows ones that were previously closed before making the ones I have currently. 

I also have been at my current place of employment for 1 year and 8 months, but it shows I have no employment history as well.
Consumer complaint received 2024-03-29
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. (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. 

Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account 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 2023-12-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CO)

I had a charge through XXXX XXXX for {$300.00} because my debit card was linked to XXXX XXXX somebody got into my account on XXXX XXXX & charged me {$300.00} so I had the account closed & my new debit card sent out & chase refunded me the money on XX/XX/2023 on the XX/XX/2023 they retook the {$300.00} out of my account that they refunded me saying that the charge was authorized which I explained to them again that my debit card was linked to my XXXX XXXX & somebody got into my account
Consumer complaint received 2024-03-29
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. (TX)

Upon conducting a thorough investigation into my credit report, I discovered numerous unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported accurately. This negligence has caused severe emotional distress. 

Under the Fair Credit Reporting Act, it is imperative that all information on my credit report be reported with 100 % accuracy. However, your agency 's failure to uphold this standard is unacceptable. 

I demand immediate action to rectify these errors and expect full compliance with federal regulations. Failure to do so will result in further legal action.
Consumer complaint received 2023-08-25
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. (NJ)

Transunion has failed to do a re-investigation into account XXXX the current error on my report shows an error on the account that is inaccurate. This account needs to be updated to a XXXX  status
Consumer complaint received 2023-08-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2023 I received a letter from XXXX XXXX XXXX, stating that my account was paid in full which satisfied the account and the account was zeroed out and closed. I have my title to my car which I received in the mail. In the letter it stated that they would notify the credit reporting agencies to update my records to reflect the account satisfied and closed. There are several reports of reports of late payments after this date. I have proof of the injury caused by this negative reporting which was uploaded with this compliant. This was a violation. By these negative reports I was discouraged from applying for other extensions of my credit.