davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PENTAGON FEDERAL CREDIT UNION (CO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) there was an ACH glitch that occurred to Pentagon Federal Credit Union that created duplicate ACH transactions. This lead to me having overdraft fees and return payment fees. The payments as of XXXX XXXX have still not reached my creditors and the funds have been taken out of my account without my debts being taken care of.
Consumer complaint received 2021-05-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (TX)

I was told by XXXX XXXXXXXX XXXX on XX/XX/XXXX that I had Key factors that adversely affected your credit XXXX length of credit history. 
I owned a home from XXXX to XXXX and then another home from XXXX to now, XXXX. How that that be construed has insufficient length of credit history?
Consumer complaint received 2023-05-24
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: EQUIFAX, INC. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please omit these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo has been charging excessive fees, even after being forced to refund fees as far back as XXXX from a federal class action law suit. I've been with them for XXXX years and they simply wont stop charging outrageous fees, despite intervention from state and federal governments. I contacted them, asking for at least a partial refund of the excessive fees but they declined after an internal investigation. 
They basically say that y'all have no power over a big company like Wells Fargo and that they can charge as they wish. Local Texans like myself just have to deal with their excessive theft by way of fees. For me, its {$840.00}, just from this account, but if we were to look at accounts, its prob in the thousands
Consumer complaint received 2023-08-02
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. (CA)

Until recently unbeknownst to me this week for the process continue to display erroneous information in regards to a credit card that was victim. Do I deserved all three credit bureaus should concentrate on following FCRA regulations and blocked negative information during investigation of ID XXXX, and the two accounts that is affected for nearly XXXX XXXX XXXX  now Im trying to rectify the problem and its time to pay attention
Consumer complaint received 2017-05-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion had a computer glitch   XXXX   and again   XXXX   thus caused inquires to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required 5 day notice prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquires that they had illegally added. These inquires add a hardship and my rights were violated by TransUnion. Please help make TransUnion stop victimizing me. As a resolution I request that all TransUnion inquires be permanently deleted from my report as a violation took place when they were illegally added.   TransUnion told me there was only  XXXX  glitch from  XXXX  thru   XXXX   and only agreed to remove  XXXX  dated   XXXX  . I asked that  XXXX  dated  XX/XX/XXXX  and  XX/XX/XXXX  be deleted, but they refused. I am also requesting  XXXX   XXXX  dated   XXXX   to be deleted as result of the glitch TransUnion had  XXXX , which they deny happened.   Thank you for your assistance in this serious matter.
Consumer complaint received 2023-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Un-authorized inquiries, accounts, addresses, names and telephone numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-12
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened a Orchard Bank credit card in  XXXX  ( which later got sold to  Capital One  ). When I opened the card I opted for loss of income, illness etc account protection in which would pay your monthly payment up to 6 months if something happened. I had a medical issue come up in  XXXX    XXXX   in which I was unable to work. I submitted the claim and Orchard Bank did not honor the claim instead continued to report my payments late. Even though this account protection was  STILL  on my account and I had paid for it since opening my account years earlier. I was unsuccessful in getting this applied towards my payments during my medical condition and being unable to work.
Consumer complaint received 2017-05-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

I opened a  XXXX  's credit card with the persuasion from a sales clerk to receive a discount on my items for purchase with the intent of closing the account after. I do n't ever recall receiving a paper statement but did receive an email showing the balance due. I did make full payment of the amount due on the account but it was electronically received 2 days late. In addition, the account was noted as closed. Subsequent to the account being paid in full I have receive d 2 late charges  of {$27.00} each. The first was {$27.00} for being 2 days late, and the second late charge of {$27.00} was for being late on the first late fee.     I called Comenity Bank today, and they claimed they could not eliminate the late charges since the account was closed. This is ridiculous and I feel they are taking advantage of me and putting me in a credit risky situation. It is not right that they will continue to keep charging me late fees due to late fees when the account is closed, and they have receive full payment of my purchases.     Help!
Consumer complaint received 2024-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (FL)

SOURCE RECEIVABLES MNG is about the XXXX collection " company '' that has tried to collect this debt that does not exist. I never had a XXXX account or XXXX phone. There are no records of any phone number being assigned to an account or any call record because I never had a phone with XXXX I have explained this directly to XXXX  and to the collection agencies. During COVID I called about a deal XXXX had, thought I'd try it and paid the initial {$60.00} some odd they asked for and immediately thereafter called and canceled the order. I have a the statement that shows that XXXX PAID ME BACK the {$60.00} some odd dollars. This is just XXXX company that likes to harass people giving up and selling the debt to another company, and the next company selling it to another company. I NEVER HAD A XXXX  ACCOUNT. These relentless collection agencies are dangerous. When the truth can be proven, and they continue to ignore the true FACTS, they are deceiving the public and messing up hard earned credit reports. Thank XXXX I have XXXX who had already closed this out after the last company that bought the debt could prove nothing. I have the proof. They are desperate XXXX!
Consumer complaint received 2017-05-12
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I have received the response from Ocwen and disagree. First I tried to get flood insurance and the insurance company told me I could not cause I was not in a flood zone the email and company are attached. You force placed flood insurance of XXXX a year even though I am not in a flood zone. You say you ca n't use my Social Security income cause it 's not showing in my account it takes 3 months to get SS after applied one or two months just to get a appointment and I did this so I can keep my house when I clearly have the income!!! You sent me a corrected assignment what is a corrected assignment which is enclosed you the signer is a known robot signer and this is 8 years after the XXXX assignment why? The trust you say I am in is not on the SEC website as being active please provide where my loan shows in this trust. Please provide the assignment from XXXX XXXX XXXX to the trust 90 days after close as referenced by the PSA otherwise this constitutes a break in the chain of title and documents are Void California case XXXX vs XXXX XXXX XXXX  supreme Ct case buyers have the right to challenge the assignment of mortgage. I asked for my accounting from XXXX-date why have Ocwen not provided this my statements never have the same numbers on it. My CPA wants to look at this!! I can not believe this company Ocwen has hurt my family and caused undue stress to me and my XXXX veteran husband.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have disputed the inaccuracy reporting by the credit agency and have asked them to provide information of they results as well as the reporting individuals name, address, phone number and other identifying information. The credit bureau responded that the information was verified to be correct. They advised the reporting company was the XXXX Bankruptcy Court. I mailed a letter certified to the whom they advised reported the inaccurate information. The XXXX court advised that they do not report to credit agencies and could not locate any records that belong to me.
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: EQUIFAX, INC. (GA)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$210.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$120.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5600.00} ; XXXX XXXX XXXX  XXXX Balance : {$760.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-04-06
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: KEYCORP (UT)

I have a checking account with Key Bank with over draft protection. The XXXX said my balance went below the balance and they put roughly {$1000.00} in my account. I am claiming the account never went negative and asked the bank to prove where and when that happened. The Bank has n never sent me any statements and it was n't until I went to on line banking that I found this out. The Bank has been deducting min payments out of my ch checking account and interest and annual fees. I have been trying to get the bank to responed since XX/XX/2016.
Consumer complaint received 2017-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

De ar Sir and/or Madam : I h ave an auto loan with  Capital One  Auto Finance. My daughter was severely injured and was admitted to the hospital and under a doctor 's care for several days / weeks. I made a payment online to  Capital One Auto Finance, but unfortunately  in the confusion of everything going on, I inadvertently scheduled the payment late. Once I realized my error I called  Capital One Auto Finance and explained to them wh at I had done. I spoke to a customer service representative named "  XXXX  '' on   X/XX/17 .   XXXX  was very nice and explained to me that the payment would be fine and that I should n't worry about any " 30-day late '' on my credit report. I asked him if there was anything that I needed to do, and he said that everything was fine, to relax, and tend to my daughter. I was very grateful to him for his help and assuring nature.     I was obviously horribly shocked with  a 30-day  late showed up on my credit report, so I called  Capital One Auto Finance back. I spoke to another representative who admitted to being able to see al l the notes as described above. He very matter-of-factly indicated that he would not be able to remove th e 30-day l ate, and that the previous customer service represe ntative (   XXXX   ) ha s been fired. I found it very unprofessional that the new customer service representative would be so blunt and disclose this sensitive personnel information to me. Nevertheless, I asked what I could do. I tried to get him to understand that I had called in and was given erroneous information - he even verified everything that I was telling. No matter what I said, he simply told me that he could n't help remove the  30-day  late and if I " really wanted to '' I could appeal his decision, but that it " would n't help ''.     I am hopeful that reaching out to the CFPB will help me alleviate this concern. When a consumer calls for information on their account they rely on qualified professionals to give them accurate information. I followed what the customer service representative told me and did everything that he told me. All of these interactions were verified by the new customer service representative.
Consumer complaint received 2023-01-22
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. (NJ)

On XX/XX/XXXX I received a copy of my credit report to ensure all information is accurate and legitimate. I notice XXXX XXXX is reporting false and inaccurate information to Transunion XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, and XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX 

The information they are reporting is inaccurate and a violation of HIPPA privacy. 
XXXX XXXX account # XXXX, XXXX, XXXX two are DUPLICATED on the Credit Reporting Agencies Someone else personal medical information is online with the above companies. I am asking this matter be investigated and validated. According to federal law 15 USC 1681 s-2 ( 9 ) this is a violation of my right. 

This account was part of a I.D . theft claim that I previously reported, this is a violation of reinsertion requirements due to the XXXXredit Reporting Agencies having allowed it back on the credit report. They have violated 15U.S. code 1681i Also Transunion continue to report XXXX XXXX Account # XXXX on my credit report.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NV)

On or around XX/XX/year> XXXX XXXX, Experian and XXXX, are reporting XXXX on my credit report and they have put in the source of furnish as being United States XXXX XXXXXXXX XXXX XXXX XXXX, Nevada. 
: Experian report reflects XXXX XXXX XXXX XXXX XXXXXXXX XXXX as the source of information. 
: XXXX XXXX report reflects XXXX XXXX NEVADA as the source of information. 
: XXXX report reflects NV XXXX XXXXXXXX XXXX XXXX XXXX XXXX source of information I have attached a letter from the UNITED STATES XXXX XXXXXXXX DISTRICT OF NEVADA verifying and stating that they do not furnish or report information over to the credit bureau or any Credit monitoring service nor do they verify or validate any information concerning XXXX  XXXX XXXX XXXX Experian and XXXX is stating this information on my credit report and have yet to remove this unvalid and UNVERIFIED information from their credit report which violates fair credit reporting act
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (CA)

Gap Inc. switched their bank for their store card from XXXX to Barclays in XXXX, XXXX, I was not aware of. I already had an automatic payments set up with XXXX XXXX, and I never had issues with payments with Gap card since XXXX. Recently, I had trouble using my Banana Republic card that I haven't used in a while, which the store clerk said is now obsolete, and I was directed to call Barclays and I did. This is when I found out that I have an outstanding balance ( {$430.00} ) from my purchase from a year ago and now I have a delinquent account which would have negatively affected my credit score. I am completely willing to pay however much I owe from my purchase, however the balance amount is completely off. The reason is not only because of the late fees that snowballed in the past year, and but more importantly the credit amount ( {$220.00} ) that I was supposed to get back from returning most of the goods from the purchase ( {$280.00} ) was not reflected in their statement balance. I tried to talk an account specialist on XX/XX/XXXX and the information I got from her regarding my account history was not only inaccurate, but the manner in which the person was communicating to me was condescending and uncooperative.
Consumer complaint received 2021-05-10
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: EQUIFAX, INC. (MD)

On XX/XX/XXXX, XXXX agreed on removing the inaccurate information on the 3 credit report companies such XXXX, Equifax, and XXXX ( see letter attached ). XXXX and XXXX had removed this account from my credit report already, however, EQUIFAX hasn't done anything to correct this inaccurate information. Please send another universal update to remove this account from my credit report immediately. 

ACCOUNT : XXXX XXXX XXXX {$0.00} Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00}