davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I purchased two vanilla gift cards ( issued by XXXXXXXX XXXX  ) they were declined most places so I called customer care. They told me they would send me a check for the money left on the cards. The check never came. When I called to inquire they told me the cards were turned off and the case was under investigation and someone would call in 48hrs. This charade has now been going on for 9 weeks. They will not release the funds, refund the card purchase or reissue the gift cards in working condition. The cards are issued by XXXX XXXX Case number XXXX
Consumer complaint received 2023-01-25
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: W&A Intermediate Co., LLC (TN)

There false deceptive practices has continued Wakefield & Associates even gave me a fake address to mail my letter to. The post office told me the address does not exist. Wakefield & Associates , LLC agreed not to ever contact me as long as they are in business and agreed to pay me {$5.00} if they break that agreement ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... I want Wakefield & Associates , LLC to honor the agreement that they broke on ... ... ... ... .... 
XX/XX/2023 by contacting me again account # XXXX ... ... ... ... ... ... XXXX ... ... XXXX ... ... ... ... ... ... ... .. XXXX unfortunately you have broke the agreement contact me only thought CFPB
Consumer complaint received 2017-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

After I received the bill, I call the customer service on  XXXX   XXXX  to pay bill over the phone. I gave the agent my banking account info and he confirmed that that payment will be process immediately and there will be no late fee. A month later I have noticed they reported 30 days late to the credit bureau. I called Fifth Third bank and they said they will investigate but few days later I received a called and they told me I never gave them the banking info during my call. I have made notes as I made the payment over the phone on a check.
Consumer complaint received 2023-03-22
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. (DE)

Recently, I did an investigation on my credit report which coused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2017-05-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On  XXXX / XXXX /  XXXX   or  XXXX / XXXX /  XXXX  , I deposited a check for {$190.00} into my Bank of America checking account via my phone. I knew I had a billpay check for {$130.00} going to a creditor that was scheduled to be  paid on   XXXX  
 BofA said the {$190.00} check would be good to cover items that posted on  XXXX / XXXX /  XXXX  . I assumed this would pay for the {$130.00} payment.     I carefully monitor this account. All day on  XXXX / XXXX /  XXXX  , there was never any overdraft notice. All day on  XXXX / XXXX /  XXXX  , there was no overdraft charge. But, when I returned home from work after  XXXX , in the morning of  XXXX / XXXX /  XXXX  , there was a backdated overdraft notice and charge for {$35.00} on  XXXX / XXXX /  XXXX   for the {$130.00}.     This seems grossly unfair.  1. I had money in the bank to cover the charge. 2.  The bill was not scheduled to be paid until  XXXX / XXXX /  XXXX  , when my check would have posted.  3.  I was never notified that a payment had posted on  XXXX / XXXX /  XXXX  , even though I have every type of alert possible set up for this account, and I monitor my account closely. Had I known that the bill payment had posted on  XXXX / XXXX /  XXXX  , I would have immediately withdrawn funds from another bank and covered the payment.     I have asked for a refund of the overdraft charge, bu t BofA  refuses to give it to me. They claim that I should have known that the bank might pay my bills early and not tell me about it!     I do n't think it should be legal for banks to backdate items when backdating causes the consumer to be charged fees. Seems like a sneaky tactic designed to enrich banks. In addition, it should be required that banks notify customers immediately whenever they are overdrawn so that they can put money into the account to cover the overdraft without incurring a fee.
Consumer complaint received 2023-06-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PENTAGON FEDERAL CREDIT UNION (OH)

I was contacted about providing proof of insurance when I set up the refinancing auto loan in XXXX, XXXX. I provided my proof of insurance as requested when setting up the account, and again on XX/XX/XXXX. I was then charged a CPI ADD fee of {$1100.00} on XX/XX/XXXX for " not providing proof of insurance '' but I wouldn't have been able to set up the loan had I not provided it. 

I then started to notice that I've been getting charged " late fees '' every month, for my autopayment taking too long to process, but I have no means of changing the auto payment date, so on top of my {$180.00} that I pay every month, they started charging me an extra {$29.00} every month starting XX/XX/XXXX. All previous payment before that had not been charged a late fee. 

I've been asking them to email me, as my job schedule is from XXXX to XXXX, and can not pick up their calls, but they would not reach back out to me. 

This year, I've sent them the updated proof of my insurance ( since the year had expired ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to no response. I received an email from them on XX/XX/XXXX asking again for proof of insurance, which I had not seen until I was notified by mail that they have again charged my account with another CPI ADD fee on XX/XX/XXXX and increased my monthly payments. 

As they had not removed the original fee, charged me a second time, and increased my monthly payments to {$240.00} a month for " failure to provide evidence of insurance '' I am reaching out for assistance at this point. I started this refinance loan with {$8600.00} on XX/XX/XXXX, and as of today ( XX/XX/XXXX ) my balance is at {$9500.00}. I've had a full year of payments at this point that have amounted to nothing.
Consumer complaint received 2022-11-29
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. (NJ)

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. 
Account Name : XXXX XXXX, Account Number : XXXX, has 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 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 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-13
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: LEXISNEXIS (TX)

XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

I tried calling, disputing online and because its showing no CC account I wasnt able to dispute. 
Ive written to Equifax over the years and recently requested to report my XXXX XXXX XXXX payment history/cc usage/credit age XXXX XXXX. And the removal of a hard inquiry that was supposed to be a soft inquiry also on XX/XX/2023. But instead Equifax took XXXX points from me for my two ( 2 ) ) hard inquiry being removed XXXX XXXX. Ive written a second dispute letter on XXXX XXXX.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX XXXX XX/XX/2022 I have mailed letters to the different credit bureaus and within a couple weeks they would come back as verified and when I asked for proof they send me a bill with name and address no signature or anything, and when I asked again for better proof they said they won't reinvestigate or open another investigation.
Consumer complaint received 2023-02-13
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 to the Fair Reporting Act XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 Section 2 It also states a consumer reporting agency can not furnish an account without my written notices.
Consumer complaint received 2019-10-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (LA)

I received an email on XX/XX/2019 at XXXX XXXX about a pre-approved refinance. Upon calling to get my pre-approved refinance, I was told I need to pay {$5700.00} in order for the new rate to work. The phone number advertised is XXXX. I spoke to XXXX XXXX ( XXXX ) at Caliber Home Loans. My loan number is XXXX. XXXX 's direct phone number is XXXX. The address is XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX.
Consumer complaint received 2023-07-17
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: Experian Information Solutions Inc. (PA)

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Has 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. 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 even if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: GOLDMAN SACHS BANK USA (TX)

On XX/XX/2023 XXXX XXXX accepted a levy filed from Goldman Sachs on the behalf of a Court Receiver. The account levy did not originate from the state in which the debt was owed. The loan origination was in Texas while the account was in California. They proceeded to take {$13000.00} from my parent 's savings account and created a hardship. furthermore, the account levied did not belong to me it belonged to my elderly parents. They opened a savings account in California for their retirement and added me to help them manage their account if needed. I do not contribute financially to this account in any way. I am solely on the account to assist my parents with their finances and this can be proven by the history of the account.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed wrong credit account balance with TransUnion a few times regarding the following loan account. 

1. XXXX XXXX - I paid {$3000.00} account balance in full to a {$0.00} balance in XX/XX/XXXX. I also provided TransUnion with proof but providing a paid in full letter I received from XXXX XXXX. However and despite proof of paid date, payment amount, and account status, TransUnion refuse to update my consumer credit report correctly. Report still shows the incorrect information of payment date as XX/XX/XXXX, which should be updated to XX/XX/XXXX. Balance still shows incorrect info of {$3000.00}, which balance should be {$0.00}.
Consumer complaint received 2023-02-22
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: EQUIFAX, INC. (MD)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX Balance : {$900.00}
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Maintaining timely payments for this account has been a consistent practice, making it distressing to encounter issues that are not of my making. Urgent rectification of my account and removal of any erroneous information causing undue stress are strongly requested.
Consumer complaint received 2023-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (TX)

Discover bank is keep putting some of the charges back even though the issue has been resolved and I have received a letter that Discover bank confirmed all charges were unauthorized. 

This complaint is in regards to Discover Bank. I have lost/misplaced my Discover card ending ( XXXX XXXX XXXX ) in XX/XX/XXXX. There were several unauthorized charges between XX/XX/XXXX thru XX/XX/XXXX. I was out of state for holidays when all this happened. I called and reported the fraud as soon as I got to know. Discover denied my claim and this is so unfair for me to keep paying for something that I did not authorize neither did I received the services or Goods that Discover is asking me to pay. The total amount is around {$3200.00}. I want CFPB to please take corrective action. Discover needs to provide valid proof of investigation.
Consumer complaint received 2017-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BARCLAYS BANK DELAWARE (PA)

I 've put various complaints in w ith Barclay  regarding fraud committed by at the time my husband in which he had also taken  XXXX  other credit cards out under my name and each of those banks, did their investigations and found all credit cards taken out in my name to be fraud. Those credit cards are  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX  , utility bills, gambling sites, and IRS. Also included was IRS and Mai l Fraud.  This particular credit card company because bills were being sent to the address they have on file which was my current address is the reason they are not investigating this as fraud. My husband was   XXXX   I worked and he did n't work and was receiving all mail correspondences at this home. I 've never seen a bill or even knew he had used my ss number to take this card out. I received a letter from a  XXXX   XXXX  - Customer  Advocate Team  in which I 've emailed him back on numerous occassions and he never responded to any of my emails including the police report filed, letters from other banks stating fraud was committed as well as filed numerous complaints. I have discussed this with my lawyer who has asked me to do a final contact  to Barclays  before I take other actions. After reviewing all the proof I 've collected to my lawyer, my lawyer stated I can receive serious damages for the credit issues my husband at the time has caused. There is  a PFA  against  XXXX   XXXX  and I am prepared to work with  Barclays to  sign anything needed to clear me from this fraud. Please let me know
Consumer complaint received 2022-11-28
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY (NV)

I received a phone call from a lady named XXXX who said she represented a company calling themselves XXXX, XXXX XXXX XXXX. They said that Wells Fargo had a closed account from XXXX that had an outstanding balance that they attempted to collect, but then deemed un-collectable in XXXX and that then this law firm was attempting to collect that debt and if I did not pay them by end-of-business today that they would report me to XXXX XXXX and that would trigger my current debit card accounts to close and that I would be ineligible to open any future account with any banking institution for 5 years. 
Then the representative confirmed the last four of my social and wanted my updated address. I did some research online and this company has several complaints on both independent monitoring websites and the XXXX with claims very similar to mine. 
It is important to note that I currently bank with Wells Fargo and would be very surprised if they would let me open an account while I have a previously closed account that had an outstanding balance. This is very suspicious.