davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Comerica (CA)

I am writing to file a formal complaint against Comerica Bank regarding their unfair overdraft fees and delayed transaction processing, which I believe constitute deceptive and harmful practices. 

On XX/XX/24 I discovered that my Comerica account was subjected to XXXX overdraft fees, despite making a deposit to cover the negative balance promptly. This action is egregious and unjustifiable, as it penalizes responsible account holders who take proactive steps to address financial discrepancies. Moreover, waking up to find unexpected charges only added insult to injury. 

Furthermore, I experienced a significant delay in the processing of a withdrawal/debit card purchase made on Friday, which was inexplicably held until Tuesday. This delay not only inconvenienced me but also raises questions about Comerica 's transparency and commitment to providing timely and efficient banking services. 

I urge the Consumer Financial Protection Bureau to investigate these unfair practices and take appropriate action to hold Comerica accountable. Additionally, I request a thorough review of Comerica 's policies regarding overdraft fees and transaction processing to ensure that they align with consumer protection standards and promote fairness and transparency. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these concerns and protect the rights of consumers
Consumer complaint received 2023-06-05
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. (TX)

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. 

The letters are stated with items and issues. 

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 2023-06-06
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)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX 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 2023-06-05
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. (FL)

There's an account that has me as an authorized user that has to be removed immediately. there is also a fraud account from global lending services that is still reporting even after 'I 've sent in all proper documentation because this account was created due to identity theft/fraud. PER 15 USC 1681B I DID NOT AUTHORIZE YOU ALL TO FURNISH THIS INVVALID INFORMATION AND THEREFORE IT MUST BE REMMOVED. I AM NOT ADMITTING OWNERSHIP TO AN ACCOUNT THAT IS NOT MINE. I WILL BE FORCED TO TAL=KE LEGAL ACTION IF THIS MATTER ISNT RESOLVED IMMEDIETLY.
Consumer complaint received 2023-07-25
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. (LA)

Im accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, had 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 an account without my written instructions.
Consumer complaint received 2017-04-09
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

I submitted a complaint regarding our HELOC loan with Wells Fargo on XX/XX/2017 ( Complaint number XXXX ) and the issue is still outstanding. We received a letter from Wells Fargo on XX/XX/2017 stating that their goal was to respond by XXXX, but that it would take them until XX/XX/2017 to " complete their work ''. Today is XX/XX/2017 and we have not heard from Wells Fargo again regarding this issue. I want to make the CFPB aware that Wells Fargo is not keeping up with their finalization of this issue. I 'm attaching the letter that we received from Wells Fargo stating that they would complete their work by XX/XX/2017. Thank you
Consumer complaint received 2017-10-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NV)

I started to fall behind on my mortgage in XXXX XXXX because of a decline in my business. I have not paid since XXXX XXXX. My mortgage service provider is XXXX XXXX. I have contacted them multiple times in the past months asking for forbearance to be able to catch up my mortgage. What I am receiving from them is that " their investors '' will not allow forbearance therefore there is nothing I can do other than pay the back payments to reinstate the mortgage. My total amount due now is {$24000.00} due to late fees. My business has picked up and I am able to make the monthly mortgage payment but not the back payments. I have contacted XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX and working with Nevada 's Hardest Hit fund to help. At this point no one has done anything. Any help you could provide would be greatly appreciated.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payment. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have taken the necessary steps to address this issue by promptly reporting the false information that has been disclosed. As a victim of identity theft, it is crucial for me to emphasize the immense stress and financial burden that I have endured due to the inclusion of products unrelated to my identity, for which I bear no responsibility. The handling of this complaint is of utmost importance, as failure to address it appropriately will leave me with no alternative but to initiate legal proceedings. The presence of these false and fraudulent entries on my consumer report has had a severe detrimental impact on my ability to achieve personal aspirations, such as purchasing my dream car, and providing essential support for my family.
Consumer complaint received 2024-02-29
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. (VA)

Experian sharing old accounts with other Finance companies and credit reporting AGENCIES and will not fix the problem Name is not right on Credit Report XXXX XXXX XXXX not XXXX XXXX setting me up for someone to use my credit authorize using on my account and I call my company and they had to remove my credit reports needs to be clean up and no one is doing it they put o neg account but showing neg reporting old car account from XXXX still on reports I got a car in XXXX of XXXX they got a removal date in XXXX of XXXX XXXX same thing XXXX the same thing will not update or making Changes old Inquiry old not updating payments I call all my creditors they report monthly not changes address duplicate more then one time some address not right will not let me dispute it and it is now going into XXXX some of there said not changes in payment last reporting in XXXX not correct my credit report is so mess up I do not understand it I ask for all three report never receive them
Consumer complaint received 2023-05-16
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)

According to my research about FCRA 605, 3 credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$0.00}
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and XXXX
Consumer complaint received 2017-03-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (PA)

AES/PHEAA is reporting an account on my XXXX, XXXX, and XXXX credit reports. It is a very old account from XX/XX/2006, I no longer owe AES, and it should be removed from my credit reports immediately. AES/PHEAA 's company policies or industry standards are of no interest to me. I have no further dealings with AES and I want them removed from my credit reports.
Consumer complaint received 2017-05-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (FL)

Reported failure to pay after account closure date. Account high balance is incorrect and over limit. They refuse to provide all information to validate saying it 's unnecessary. They have repeatedly harassed for years wi th 5-6 rob ot calls a day after being told to cease and desist.
Consumer complaint received 2023-07-25
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. (NJ)

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 XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-16
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. (OH)

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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
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. (IL)

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 2020-03-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MI)

I was getting at least 4-5 calls a day for about 5 months, due to my continued debt.

I did understand that I did owe this money, but for the 5 months I wasn't working I could not afford to pay this bill, and have contacted them since then to let them know about my no job situation. I have a least 3 different numbers that i can provide to show how many calls/people were contacting me due to this balance. Although I have been a long standing customer of Victoria Secrete and have always paid my credit card for the past 4 years I have had the card, before the balance got this bad. After it reached this company due to my debt I had a very unprofessional and aggressive conversation with a individual that was threatening to take me to court if i did not resolve this matter that day. There should be phone recorded conversations of this call. I will be providing the company name and numbers that have been calling me. 
XXXX XXXX XXXX # XXXX # XXXX # XXXX
Consumer complaint received 2021-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/XXXX, I received an email from my supposed boss that I should give him my phone number because he was in an important conference meeting and I could not give him a call due to that current situation. I was not suspicious of the email because it had personal information about my boss. I have only been working for this company for a year and occasionally my boss emails me asking for tasks that are specific to my job. As a graphic designer, my boss does not directly supervise me often and usually am guided by my XXXXreative Director under him. 
Furthermore, my supposed boss told me hes on a conference call and needs to provide gift cards to our clients ( I thought it was something my company gave out for Christmas ). He told me to check a nearby store for some XXXX gift cards, yet I suggested that he, himself, purchase them online. He kept pressuring me to get these gift cards even though it didnt feel right and I was uncomfortable. However, I did not know how to deal with this type of situation ( as Ive never been in it before ) and say no to my boss. My company has reimbursed my coworkers and I before if we used our money to complete tasks for them. I thought this situation would be no different, however, it seemed like a lot for him to ask me to buy {$1000.00} worth of gift cards. I eventually bought the gift cards from the pressure and later on he started asking for more. That is when I realized it was a scam. 
I immediately called up my bank, Wells Fargo, and told them about my situation and how I got scammed {$1000.00}. I know I had willingly purchased the gift cards, but I discovered that XXXX put out a warning about a common covid-19 scam they had been experiencing where you receive an email or text message from your boss asking for a certain amount of XXXX gift card money. The Wells Fargo customer service provider said they would open a claim and investigate it. I got an email claim reference number and waited. 
On XX/XX/XXXX, I received an email that the investigation case was completed and to wait for a letter in the mail for further information. I did not receive that letter until XX/XX/XXXX. The letter claimed this {$1000.00} transaction was correctly charged to my account and as a result, they are not able to reimburse that money. 
Although I did willingly give the money ( gift cards ) to my supposed boss, It was a type of scam that directly emailed me impersonating my boss. I do not give out my work email to anyone. I believe this transaction of {$1000.00} should be reimbursed because it is a great deal of money I lost that could have potentially gone to my necessities, especially with the current circumstance of the economy with the pandemic.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 
1. XXXX XXXX XXXX XXXX Pays 31-60 Days 2. Inquiries Name of Company Date of Inquiry Type of Business XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX Personal Services Not Medical XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Personal Services Not Medical XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (VA)

My account was being hacked and I called Credit Karma to tell them, they dismissed me. I have email proof of this person changing my phone number, using a device I do not own ( android ), I only have XXXX devices, and then withdrawing all of my money out of the account to an unknown debit card, totaling {$3200.00}. I have now contacted credit karma three times and they have literally hung the phone up on me and have not done anything to replace the funds or solve this hack. I have contacted the FTC. The company has taken no actions except to continue to send emails that the phone number was changed on the account and if it was not me, to contact them. I can not access the account because the phone number has been changed. They told me a supervisor would call me, when I asked how, since they do not have my phone number they literally had no answer. This company is a fraud and has stolen my money.
Consumer complaint received 2022-08-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (TX)

After 2 years of paying on time we got a charge of more than 100 % of the initial debt. 

Initial balance : XXXX Date : XX/XX/XXXX Balance : XXXX Date : XX/XX/XXXX Interest Charges : XXXX Date : XX/XX/XXXX New Balance : XXXX Date : XX/XX/XXXX We called to pay off but the new balance would include all the interest.
Consumer complaint received 2023-07-11
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: Tower Loan of Mississippi, Inc. (TX)

After filing an initial complaint regarding an unauthorized inquiry on my credit report, Tower Loans refused to remove the inquiry. They replied through the CFPB portal that an FTC affidavit needed to be filed and emailed to the email provided in their pdf reply. On XX/XX/2023 and email was sent to XXXX XXXX, Director of Compliance for Tower Loans with the FTC affidavit and a notarized affidavit attached. As of today, he has not responded nor has the inquiry been removed.