davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-05
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: EQUIFAX, INC. (CA)

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 investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2800.00}
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am trying to close my account but Capital One will not allow me to do it. I have a XXXX balance yet they keep charging me a fee. When i call to have them close this account they aske me to send them my drivers license because of security. 
They do not need to check my license if i want to close my account!!
Consumer complaint received 2017-12-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (CO)

I am not able to make my payments and Sallie Mae does not care. They only offered two payment options that would increase my monthly payment even more then they already do. I have called multiple times and nothing was done to help. They told me to not pay it so I can get calls from their collection agency. I live with my grandma and I help pay the bills and I barely have enough to make it day to day. I can not continue paying $ 1000s of dollars going up so much each month. And no one will consolidate because I dont make enough
Consumer complaint received 2024-04-14
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: CITIZENS FINANCIAL GROUP, INC. (NY)

Someone has gotten a hold of my password on credit karma and made over XXXX inquiries on that and other websites which lowered my credit score to below XXXX and now a XXXX credit score without my permission nor permission to use my credit karma app. to inquire about a car loan, loans, or to apply for some services which lowered my credit score from what it once was XXXX. 

Also, I am having trouble unfreezing my credit report perhaps on XXXX because I do not have access to my old XXXX email addresses. 

My updated information is : Home address XXXX XXXX XXXX XXXX XXXX XXXX, NY. XXXX Mailing address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY. XXXX XXXX XXXX Telephone : XXXX XXXX Email address : XXXX XXXX
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I was discriminated and racially profiled at a branch location trying to withdraw funds and the bank teller reported suspicious activity possible fraud on my account. I am in the process of getting new home and had to take out large withdrawal deposits at different locations to pay contractors working on home. As I was told by Bank of America representatives to go to other locations if a branch didnt have available funds or to order cash. I called ahead to order cash and was told the funds was available for me to pick up. I get to the branch and the lady told me that she didnt have the funds she could only give me a lower amount than I requested. I advised I was told over the phone it was available and would be ready for me to pick up. My accounts are now being closed in the middle of getting a new home and I have no money at all. I can not finish paying my contractors or pay bills because my account is being closed and I am told they are not sure when I will be able to get my funds. I dont have not XXXX dollar at the moment. I even went to bank where I opened my account years ago to speak with manager and verify myself. They have decided to close all my accounts personal, savings, credit card, and business account.
Consumer complaint received 2024-04-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP (PA)

I opened a business checking account with US Bank. I placed 3 bank transfers with their bank login. One was completed and two were missing. US Bank insisted the missing transfers were not initiated from US Bank. I have proof from my bank login but since then they XXXX my login ( see attached screenshot ). I contacted XXXX XXXXXXXX XXXX and they verified the two missing transfers were initiated from US Bank ( see attached ).
Consumer complaint received 2016-05-31
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: NATIONSTAR MORTGAGE LLC (TX)

Nationstar is reporting false and misrepresenting a loan they 're servicing that was transferred from XXXX XXXX XXXX Home Loan servicing. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX responded to an XXXX reinvestigation and has indicated Loan number XXXX has XXXX balances, paid in full, no historical data past XXXX and closed on XXXX XXXX. 

Nationstar Mortgage information should reflect the same data as XXXX XXXX XXXX 's to start. 

There has been no activity on the account since the transfer to Nationstar ( ie no payments, no agreements ).
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a formal complaint regarding the mishandling of my repeated attempts to follow up on the removal of fraudulent items from my credit report. 

Despite submitting multiple disputes and diligently providing supporting evidence, the fraudulent accounts persist on my credit report, and my previous follow-up attempts have not yielded any resolution. 

The ongoing presence of these fraudulent items on my credit report has caused significant distress and financial harm. It has negatively impacted my credit score and has hindered my ability to access credit and financial services.

I demand that your agency immediately conducts a comprehensive review of my dispute and expedites the removal of the fraudulent items from my credit report. Furthermore, I request that you provide me with written confirmation detailing the steps taken to address this matter and the resolution thereof. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX.
Consumer complaint received 2024-04-11
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. (FL)

The violation of 15 USC 1681 ( a ) ( 1 ) ( A ) refers to a breach of the Fair Credit Reporting Act ( FCRA ), a federal law governing the collection, dissemination, and use of consumer credit information. This specific section pertains to the responsibilities of consumer reporting agencies in ensuring the accuracy and fairness of the information they report. Violations of this provision could involve errors in credit reports, failure to investigate disputes, or improper handling of consumer information.
Consumer complaint received 2018-08-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (UT)

after home purchase in XX/XX/XXXX, never received the money they was supposed to be for the deed of trust. Then they forged another deed of trust. That was reconvened in XX/XX/XXXX, but they began to refuse to answer any questions about the issues. after 9 years in the home fighting everyway I could because of no help of any government agency 's. Then after a notice of default on a reconvened note. And failure to answer my QWR. till 6 months later. and never addressed any of the concerns. The sold my house on XX/XX/XXXX. 

Then the purchaser that knew about the situation had me and my family removed with unlawful detainer that the change of my address caused a default. Because every attorney I talked to was completely against taking my case even with over 1000 pages of original documents. Now after steeling my house still not a single agency willing to get off their A..s and do their job. Including AG, Postmaster general, Governor, C.I.D. and Hud was absolutely lying to me when I sent over Hud H1 and then blocked her  email. They have note only stole my house but completely destroyed my family and my integrity. As well as you and the rest of the government do anything to stop this.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-08-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (PA)

On Wed XX/XX/2018 XXXX authorized a payment of XXXX I only had XXXX in this account. I asked Wells Fargo to stop letting payment come thou when no money is available to payment for the charge. Wells fargo is doing this just to charge account holder XXXX. I have removed my debt from XXXX. This company need to change their policy. I also having a pending payroll check, the company state if a payroll check is pending the company would not charge a fee. that is not true the company is still charging funds.
Consumer complaint received 2024-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My name is XXXX XXXX XXXX XXXX XXXX XX/XX/year> my daughter put Check to our account in a week we couldn't use debit cards. When I went to the bank, I was told to wait and call the bank, they won't be able to do anything, and they kicked me out of the bank in XXXX once saying that you are no longer our client, today XX/XX/year> I don't have an active debit card, every time I call, they promise me to send a check in a week, next week, the last week, but in a week when I call, they promise to wait a week again. I'm a single mother raising my children alone. I don't know what to do, I know that someone is doing this to me, he just wants to steal my money and kill me with the children, I feel not safe and I ask you to help me, please. I was threatened and I know that these people are doing everything to me!!!! They found out that I have money in my account, so they want to steal it so that I don't get anything and XXXX XXXX. It happens to me more than once at Bank of America. 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 2023-11-12
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. (CA)

XXXX is not removing the fraudulent accounts on my credit report XXXX XXXX XXXX XXXX XXXX 's XXXX And other XXXX accounts XXXX XXXX
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (GA)

I have an agreement with Chase to pay the minimum of {$37.00} a month without penalty. Yesterday, my credit report was pulled by a mortgage company that shows Ive been paying late for several months. I spoke with them about the issue a few months ago and they advised my account is in good standing. Ive also, started paying more than what is due of {$180.00}. This issue is causing me to suffer with purchasing a home.
Consumer complaint received 2024-04-20
Product: Credit card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Reported fraud charge of {$260.00} on XXXX, called rep, account closed new card sent said dispute would take 60 days, received letter XXXX asking to call said can not get ahold of me! kohls has my cell number gave them the dispute again rep exact words " PREVIOUS REP ON XXXX DIDNT PUT DISPUTE AMOUNT OF {$260.00} '' not my problem no says i have to wait XXXX more days!!!! THERE ERROR i did not order that purchase KOHLS ERROR.
Consumer complaint received 2023-07-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

The XXXX  XXXX XXXX suddenly closed my bank account on XX/XX/XXXX, i called the bank ask for the reason, but they did not tell, just said that was the final decision and i can not do anything. I have been their customer since XXXX. I don't think i did anything wrong with them.
Consumer complaint received 2023-06-15
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. (KY)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I believe my exhusband and his current wife are looking at my credit report to see my debt/student loans etc. The inquiries shown from transunion and XXXX  ( this may be my one credit card I have ) are showing every week they're looking at my credit report. The last time I looked at my credit report was in 2022 and put a XXXX XXXX  on it then because I was suspicious of my ex getting access to it.
Consumer complaint received 2023-04-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MN)

In 2022, I opened a checking Chase account in order to manage my money for school. When I opened, I clearly didnt activate the overdraw service in my debit card that would let me the opportunity to pay things even if I didnt have enough funds to it. Although, a couple months ago a lot of charges appeared on my account. - {$130.00} from a XXXX XXXX where I rent a car. Even though I didnt activate the overdraw options Chase allowed the overdraw to happen. I thought I was using my other debit card in the XXXX XXXX However, I did used the Chase card to pay for some trips while I had funds on it. Once I spent all the funds, I just switched to my other debit card. However, some charges were made to my Chase debit card. I didnt know what to do since Im an XXXX XXXX I didnt know if I should paid the charges even though I didnt use my Chase debit card for it. Now, I can not used my Chase debit card and my account because it was close because of the overdraw money. Im so scared because this is going to have an impact in my ability to open new accounts in the near future.
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

My bank debit card was compromised and unknown persons stole {$9900.00} from my personal checking account AFTER accessing another account and transferring {$10000.00}. 
They stole the amount in 16 different withdrawals using an XXXX debit card. 

It's beyond my understanding how they could have done this and currently working with Wells Fargo Bank.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

UPON REVIEWING MY CONSUMER REPORT, I HAVE DISCOVERED INACCURACIES AND DISCREPANCIES IN THE REPORTED ACCOUNTS IN MYA COSUMER REPORT. 

XXXX 1. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


XXXX : 1. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

TRANSUNION : 1. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

It seems that once again my credit file has been compromised. Upon reviewing my records, I've discovered numerous entries that aren't mine. Given my attention to detail, I've learned that according to section 605b of the FCRA, it's mandated by law to eliminate any fraudulent items resulting from identity theft. The disputed items clearly do not pertain to me. I've enclosed the necessary FTC Report for your reference, along with the bank 's records. Kindly proceed with removing these erroneous entries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (WI)

The company is LVNV they said they sent a notice out on the XXXX of XXXX and I havent received any notice they lied only how they new my address is because Ive updated it my name is XXXX XXXX
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Entered into a reduced payment plan agreement XX/XX/XXXX of XXXX and have paid as agreed from XX/XX/XXXX until XX/XX/XXXX. The agreement was pay {$99.00} electronically every month and my interest would be reduced to 6.50 % if paid as agreed. 
XXXX XXXX reports as 120 days late to all credit agencies from XXXX XXXX. 
This is incorrect. This is not in the agreement. I have paid extra more than the agreement many months. I have paid as agreed. I ordered the last 12 months statements from XXXX and the statements reflect this. XXXX refuses to acknowledge my dispute which I sent XXXX XXXX with signature. XXXX denies my dispute to credit agencies. Still reporting 120 days late from XX/XX/XXXX- until XX/XX/XXXX. I asked them to report as current for those months because I paid as agreed per the agreement they sent in writing.
Consumer complaint received 2020-02-05
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. (DE)

There is an unauthorized inquiry made by XXXX, XXXX XXXX XXXX, XXXX XXXX MD XXXX. Made several phone calls and filed and official dispute. Advised to call to creditor who has no record of inquiry. Bureaus refuses to remove inquiry.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

You are inDirect violation of the fair credit reporting act XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX also, my name is wrong in my address is wrong please correct
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have recently obtained my XXXX XXXX  report from your bureau and wish to dispute the completeness and accuracy of certain information. This information is adversely affecting my XXXX report, and I request immediate correction. I expect your investigation to be completed within 30 days. Following your investigation, please furnish me with an updated XXXX report and the contact information of the individuals involved.. The details I am disputing are as follows : XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

There are XXXX hard inquiries on my TransUnion consumer report that I did not authorize and Ive called TransUnion and they say they dont dispute inquiries, and that inquiries are factual they are on my my credit report and they are not mine Im requesting them the XXXX inquiries to be deleted immediately! By law they are not supposed to report inaccurate information.if they are not deleted I will seek legal action against them.