davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMO Bank, N.A. (MS)

In XXXXXXXX XXXX XXXX I sent the bank a payment for the remaining balance. For XXXX months I had a {$0.00} balance, which I paid through electronic funds XXXX times. When they determined that the principal was paid off, the bank went retro back to XX/XX/2022 and tried collecting the XXXX day payoff interest, for the amount of {$70.00}. This amount was not on any statements from XXXX through XXXX, I asked for my title and they added the interest. I spent several hours on the phone with them and got no resolution. What they did in my mind is extortion
Consumer complaint received 2023-01-10
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. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Equifax Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with Equifax CREDIT BUREAU, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7700.00} XXXX XX/XX/2021
Consumer complaint received 2023-06-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party.
Consumer complaint received 2023-06-06
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge 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: WELLS FARGO & COMPANY (TX)

Complaint against Wells Fargo Master Card Customer Resolution Department. 
On XX/XX/XXXX, I requested XXXX XXXX to change the reservation and provided different options on the dates change. The company wavier the change fee but I had to pay the difference on the travel date change. I was quoted 3 dates one {$15.00} on the XXXX XXXX {$83.00} XXXX and another was for {$140.00} on XXXX. I initially chose XXXX XXXX for {$83.00} and provided my credit card, he looked again and found another date on the XXXX for {$140.00}. I accepted the XXXX for {$140.00}. 

When I use my credit card on XX/XX/XXXX, I received a decline on my card. I contacted the credit card company on the XXXX, they explained there were charges of {$83.00}, {$140.00}, and pending charge of {$220.00} from the Airline company. I explain the {$220.00} appeared to be a duplication of the {$83.00} and {$140.00}. I told them the {$140.00} I don't dispute so they would remove the {$83.00} charge and contact the Airline about the {$220.00} charge to close out the process within 24hrs. On XX/XX/XXXX, my card was declined again. Call the credit card department and they transferred me to the resolution department. I talked to a representative named ( XXXX ) and asked her to assist in resolving this pending charge of {$220.00} which she agree appeared to be a mistake. She stated she could not call the merchant but I could call myself if they don't take it off I had to wait 15 days before action could be taken and I might be charged an overcharge. Because of the lack of assistance I received I requested her supervisor ( XXXX ), he was professional and called the merchant and after 15 minutes came back and said they never answered his call. They told me there was nothing they could do until the Airline company release the pending charge although the pending charge was 5 days holding on my account.
Consumer complaint received 2023-02-09
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: Early Warning Services, LLC (TN)

I sent Early warning services a letter to remove the incorrect information on my Ews report on XX/XX/2022 and I have not received a response and it has been well over 30 days since I have not received any response from Early warning services.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-09
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: FC HoldCo LLC (FL)

To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this.

Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above.

According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report.
Consumer complaint received 2023-02-14
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (IN)

I ask for proof that I gave written or oral consent that im responsible for these accounts.. 
these accounts are in violation of the fcra 15 u.s.code 1681b 15 u.s.code 1681 s-2 15 u.s.code 1681 c-2 15 u.s.code 1609 p
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (NY)

Opened a XXXX account in XX/XX/2024 to do some investments. 
Deposited {$5000.00} on XX/XX/2024 and then {$2000.00} on XX/XX/2024 also set up direct deposit from my employer. The account was frozen on XX/XX/XXXX and is still frozen now XX/XX/2024. They had bounced the {$2000.00} but they still have the {$5000.00} and I've been unable to access it for over a month. They have no email they provided for me to talk to them only a XXXX account that never responded, and calling on the phone but they were never able to provide any information on what was going on.
Consumer complaint received 2023-01-09
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Auto loan, XXXX acknowledged an error in their online payment system where banking information for certain customers was deleted, unannounced to me my scheduled payment was not processed and was reported as a missed payment to the credit boroughs.

I have phone recordings of conversations with Wells-Fargo associates acknowledging the error but have made no progress in resolving the matter, the month 's payment in question was paid in full after later finding the error.
Consumer complaint received 2023-01-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC (IA)

We received the reply from Fay Servicing and they sent mail correspondence to the wrong address and we sent all the info they needed several times!!!! I have copies of the emails that successfully was sent!!! How is it our fault that Fay Servicing didn't process our emails at all!! Everytime we called we got different answers!!! With first complaint, I sent screenshots of the emails that went thru! We need to keep our home and I have emails confirmed of sending proper documents from XXXX thru XXXX! This is not right!! XXXX has federal attorney for sister ... .I guess we have to call her! 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-06
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)

I attempted to call these companies and they forward me to calling XXXX, XXXX and Transunion. XXXX has removed them all as per according to law if they are due to fraud, unauthorized they must be removed as soon as possible. 

See below the inquires that I have never applied to. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-23
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. (CT)

This is my 8th 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. 
XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 2022-03-22
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: NAVY FEDERAL CREDIT UNION (NC)

MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUES.
Consumer complaint received 2020-03-19
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2021-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (PA)

Received debt collection letter from Southwest Credit. Letter claims the creditor, " XXXX '' is owed {$250.00}. I called XXXX regarding the account referenced in the letter. The account was activated in XXXX, and I live in XXXX. The account is not mine. XXXX has asked me to submit a fraudulent account form as well as contact the FTC and credit bureau 's . I am submitting the fraud investigation packet to XXXX as well as submitting this claim.
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

I was taken into XXXX XXXX XXXXXX/XX/20XXXX XXXX XXXX XXXX XXXX  XX/XX/2022. Upon my XXXX, I noticed that various credit cards were used without my consent. Chasebleing XXXX of these banks. I contacted Chase on XX/XX/2022 of me not making these charges and they temporarily credited me those charges, however on XX/XX/2022 they reversed the credit for XXXX XXXXharges of {$430.00} from XX/XX/2022 and {$320.00} on XX/XX/2022, stating that XXXX  supplied them with contractual agreements?? Please see attached proof showing I was detained for those dates in question! I don't care what XXXX supplied my credit card company, there was no way I could contractually agree to anything since I was in a XXXX XXXX XXXXXXXX had permission to use my credit cards and noone can contractually agree to use my credit cards if they were stolen from my possession. Please help me in reopening this dispute and advise them that they should credit me these amounts under XXXX XXXX liability promise of authorized activity.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, Equifax, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (OH)

Re apple card account To whom it may concern im writing to see why my apple card was abruptly closed on XX/XX/2023 without and explanation when I called I was told to check the user terms that does not tell me anything I want a valid reason as to why this account was closed I have never been late on a payment and the account is current. I want this account reinstated. As a reminder you are not permitted by law to close an account for filing disputes. I have every right to do so if the merchant doesnt give a refund. In my case all the merchandise was returned to the merchant per thrir agreement and refunds never issued for it. I have reported this issue to the consumer financial protection bureau as well.. 

My ssi number is XXXX Thank you