davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

As of XX/XX/XXXX, Ive been unable to get my credit report or score from XXXX and experian. 

Ive called and Ive emails. To include. Ive even submitted my drivers license to the specified website that they requested me to upload it on several times. 

After several phone calls to them, I am still unable to have this issue resolved as we move into XXXX I am requesting immediate attention be given to this, as it is preventing me from doing things related to my credit.
Consumer complaint received 2020-12-31
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (MI)

I received a gift card with {$250.00}. I activated the card. When I try to use it the transaction is declined. When I try the website to see the balance it does not recognize the 3 digit security code on the back of the card and after 3 attempts it has locked the card and says to call the number on the back of the card. When I call the number on the back of the card, the automated message can not find the card and then hangs up. There is no way to speak to anyone. They have essentially stolen my {$250.00} since I have no way to talk to anyone or get a replacement card.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

In 2008, I was doing web design. I checked my account balance and it was zero. I found that my XXXX XXXX had been hacked and my funds had been used to purchase multiple copies of XXXX anti-virus protection. I went to my bank as soon as it opened, and sat with an employee who I told I needed my debit card cancelled, my XXXX XXXX disconnected and my account put on credit only status... She assured me these things had been completed. 

I was now receiving payment for my work via an XXXX XXXX. About two weeks later I did a small change for a XXXXXXXX XXXX site. They could not pay me via XXXXXXXX XXXX  so I billed them via my XXXX XXXX.. I checked to see if the payment was there ( Just {$35.00} ), not only was it gone, once again my XXXX account was drained and I was charged {$800.00} in overdraft fees. 

I went to my bank and inquired how this could happen, considering the precautions I had taken. They asked what I would like them to do for me, I said, I would like you to make it right, it was your fault if my precautions had not been executed. They said " We are sorry XXXX XXXX, there is nothing we can do for you. '' At the time of this fiasco, XXXX was being absorbed by Wells Fargo. 

I lost my apartment, my job, and my web design business. I have been homeless since.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

My husband was traveling for work out of state. He went to a walk-up gas station in XXXX XXXX XXXX New York and XXXX a pack of cigarettes. I saw an unusually large transaction for {$1300.00} dollars come from our account and called him to question the transaction. He said he bought a pack of cigarettes, and it was {$13.00}. We figured out that the clerk entered the wrong amount. My husband went back to the store and the clerk told him that he could not help him and that he would have to file a dispute with the bank. We filed a complaint with Wells Fargo in XXXX, and they credited our account for XXXX and started investigation. They sent us a letter XX/XX/XXXX and stated they concluded their research and denied our claim, they stated they will be taking the money out of our account on XX/XX/XXXX. I called to reopen the claim and they will not assist us or work with us on the XXXX that they will debit out of our account. I have had to fight disputes with other companies and was never told I could not reopen a claim. I feel helpless and I feel that Wells Fargo has done nothing to advocate for their customer. They did say they would send me " documents '' that concluded their investigation, but I will most likely not receive them for another 30 days. I feel absolutely helpless, and I am being put in an awful situation. I know I am just a number to them, but I hope to advocate for future consumers. I do not have funds to hire legal services and I do not know what to do. I am extremely hesitant to use a debit card ever again.
Consumer complaint received 2023-03-01
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NY)

ON XXXX/XXXX/22 I OPENED A SIGNATURE SAVINGS ACCT WITH TD BANK ONLINE WITH A XXXX DOLLARS BECAUSE TD BANK OFFERED XXXX DOLLARS BONUS IF I FUNDED XXXX XXXX DOLLARS IN THE ACCT WITHIN 20 DAYS. THE STIPULATION WAS IT HAD TO BE NEW MONEY AND I COULD NOT HAVE A SIGNATURE SAVINGS ACCT. I WENT TO THE BRANCH ON XXXX  XXXX IN XXXX NY AND DEPOSITED THE REST OF THE MONIES OVER XXXX XXXX DOLLARS TO MAKE SURE THERE WERE NO QUESTIONS BECAUSE THE BANK HAS RENEGAGED ON OTHER OFFERS BEFORE IN THE PAST.I SPOKE TO BANK PERSONELL BECAUSE OF THERE PAST HISTORY AND I WAS TOLD I MEET ALL THE REQUIREMENTS AND I WOULD RECEIVE THE BONUS OF XXXX DOLLARS.I WENT ONLINE AND PRINTED THE TERMS AND CONDITIONS OF OFFER BECAUSE THEY HAD A HISTORY OF THEM LYING TO ME IN THE PAST.I CONTACTED THEM 3 WEEKS AGO AND WAS TOLD THEIR BACK OFFICE WOULD EMAIL ME WHY I HAVENT RECEIVED THE BONUS IN MY ACCT.I CONTACTED THEM 3 TIMES NO ANSWER.I TOLD THEM IM A XXXX XXXX  DEALING WITH A LOT OF HEALTH ISSUES PLEASE DO THE RIGHT THING AND RESOLVED THIS PROBLEM.I HAVE NOT RECEIVED ANY REPLY.
Consumer complaint received 2022-12-20
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (ID)

I have had my Mortgage with XXXX XXXX for over 74 months on auto pay. never a 30 day late payment. I watch my credit like a hawk. XXXX bought mortgage in XXXX I believe and I received emails that went straight to spam folder ( I found this out after calling in to find out what was going on ) when I called to figure out what was going on I was advised of the buy out and I requested a XXXX XXXX XXXX arrangement, this was in XXXX. I filled out all paperwork and sent it back and there was still something still wrong so it could not get set up, I continued trying to get it worked out. I got a call from them in XXXX asking about payment. I was absolutely surprised because they said i was 30 days late. I paid it on the phone right away and tried to figure out how I was late. In XXXX it hit my credit. drop my score XXXX overnight with zero explanation. It took me 4 phone calls to finally get someone to tell me it was XXXX, not XXXX like the other 3 told me. Anyways after much confusion and long phone calls I figured it out and it was a miscommunication on XXXX 's part and on my part for not digging into the junk emails I suppose. I have worked very hard on my credit. I spoke and emailed Mr. Cooper about maybe showing me some grace with this situation ... Got a FLAT HARD NO over the phone As they see it I had only been a debtor with them for a few months and now I am late and zero response to the 3 emails I have sent to XXXX. 
The transfer dates and onboarding grace period were confusing and I felt misled by deceptive and uniformed customer service agents when I called in from the anxiety of having no clear to make the call to resolve my account nor MY anxiety of a negative impact to MY account.
Consumer complaint received 2023-02-03
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. (GA)

I RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED TWO ACCOUNTS I DO NOT RECOGNIZE NOR DID I AUTHORIZE THESE ACCOUNTS. THE ACCOUNTS ARE ON ALL THREE OF MY CREDIT REPORTS..THIS IS FRAUD! 

XXXX XXXX XXXX {$9600.00} XXXX XXXX XXXX {$9700.00}
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (IN)

Eqiufax XXXX XXXX Are in violation from reporting information on my consumer credit file 15 USC 1681 602 A, N, I 15 USC 1681 604 15 USC. 1666 B 15 USC. 1635 N Multiple soft inquiries on the consumer report. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-29
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-20
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, There are late payments on my credit report. According to law, I am a consumer. Under federal law this violates my rights and should not be placed on my consumer report. 

The list of accounts is in clear violation of the law, XXXX XXXX Acct # : XXXX, XXXX XXXX Acct # : XXXX has violated my rights. 

15 USC 1681b- Permissible purposes of consumer reports, THE LAW CLEARLY STATES : 15 USC 1681b ( a ) states - Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 USC 1681b ( 2 ) states - In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, The FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( A ) ( i ) states report containing information solely as to transactions or experiences between the consumer and the person making the report.

CONSUMER REPORT - ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

PERSON - ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

This is against the law to be reporting late payments on my consumer report, please DELETE the above late payment from my consumer report, this agency is in violation of 15 USC 1681 ( 2 ) ( A ) ( i )
Consumer complaint received 2023-10-28
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (DE)

On XX/XX/2023, I got an email from XXXX informing me they were transitioning their financial services from XXXX to Comenity Capital Bank. Then, on XX/XX/XXXX, another email arrived, mentioning a new payment setup. Although the email stated that a letter containing my account number had been sent in XXXX, I never received it. When I called the provided contact number, an automated message simply told me to await the arrival of this letter. Finally, on XX/XX/XXXX, the letter arrived. 

To my dismay, I found a {$29.00} late fee on my account. I consider this practice unfair and predatory. I never requested the shift from XXXX XXXX to Comenity, and I was not alerted about a late payment either. Instead, I received aggressive calls from Comenity, from a blocked number, attempting to collect a debt. It wasn't until today that I got an email identifying itself as from a " debt collector. '' This entire situation is highly predatory and unjust, and I believe it should be illegal. The bank should offer a XXXX day grace period for customers to receive these letters, particularly given the known inefficiencies of the USPS. While the letter lacks a sent date, it's the only correspondence I've received regarding this change. 

Now I find out my payment is due on the XXXX.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One advertised the following Merchant Offer on its website : Receive a {$22.00} statement credit for signing up for XXXX XXXX Ad-Free Monthly Plan. On XX/XX/2022, I opted-in to this offer and received reference ID " XXXX '' confirming activation. Then, based on Capital One 's advertisement, I signed up for the XXXX XXXX Ad-Free Monthly Plan using the link on Capital One 's website and paying with my enrolled Capital One Venture X credit card. However, as of XX/XX/2022, I still have not received the {$22.00} statement credit that Capital One advertised. I contacted Capital One customer service multiple times but still have not received the advertised statement credit.
Consumer complaint received 2023-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MN)

On the night of XX/XX/13 my wallet was stolen, nearly {$1800.00} was taken out of my account and the first thing I did was get in touch with my Bank ( Wells Fargo ) and inform them of the same. The transactions first went pending and in a day or two were authorized. I tried contacting the Police about the same and was told that I'd need to get a subpoena to gain access to the ATM footage. Since then, I've constantly been in touch with my bank trying to get my money back. I submitted a claim which after investigation was rejected. I provided the bank with screenshots and nothing has happened so far. I have an email from the bank stating that they suspected unusual activity on my account. All I'm trying to do now is to get my money back and the bank hasn't been helpful at all.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (FL)

I have reached out to the number on file for the account on my report. I have been unsuccessful in reaching someone that is able to assist me in getting this resolved. I have no knowledge of signing up for anything at ULTA. I'm in fear that someone has stolen my identity as I am seeing even more accounts opened in relatively the same time frame that I have no knowledge of.
Consumer complaint received 2022-12-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Credit Fresh Holdings Inc (AZ)

When I signed up I was told that the balance would be paid off within 12 months. However I was recently told that I would have to pay the full balance in one lump sum. Therefore the monthly payments I've made for the past 11 months has not effected what I owe. That I'm also stuck paying on this account. I can not afford to pay the balance in full. now my credit score and reports are down and negative therefore making it harder for me to leave a place that is not safe for me. ( There are people who live around my neighborhood who are watching me ).
Consumer complaint received 2022-12-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I am one of the many VICTIMS of WELLS FARGO HOME MORTGAGE! 

This happened XXXX years ago when I tried XXXX over XXXX months to get XXXX  to modify my loan so I could remain in my home. 

They ignored me, then after over XXXX calls made me fill out the same financial justification documents over XXXX different times and ultimately never granted the loan modification. At that point, I was forced to sell my property at a steep loss ( ~ $ XXXX below what I paid XXXX  years prior ) due to the prevailing real estate market at the time. 

These criminals destroyed me financially! 

What remedy do I have?
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CA)

I received a debit card for Wells Fargo in the mail for an account that I hadn't opened. I initially started by calling and reporting this via a fraud line. Nothing was done. I went into a branch and was told that even though the account was assigned to me, my ex-husband 's information was listed as my home address, they could not close it. It took over six months for them to close this account that had no money in it. I was receiving statements for a bank account I couldn't close on the basis of a fraud investigation. No funds were ever withdrawn from this account. After many attempts they finally closed the account.
Consumer complaint received 2023-05-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (OH)

Collections account from Caine & Weiner showed up on my Consumer Report, without ever reaching out about alleged debt out. I never received phone call or mail about alleged debt owed. 
I then attempted to contact the company by email and letter, requesting validation of debt owed and never received any correspondence back. I requested validation of debt. To this day, I have never received any communication from Caine and Weiner regarding this debt or any validation that I owe the alleged debt.
Consumer complaint received 2022-12-07
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. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have made Several requests from Bank of America for the verification of the information being reported to all XXXX bureaus without compliance. BanK of America has not provided proper verification. Bank of America states this account went delinquent XX/XX/2012 and it shows at charge of XX/XX/2012 but Bank of America reports almost every month that this account is late. There are 8 months reporting no data. It reports a recent payment of {$140.00} which I believe is reporting falsely.