davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX, I had my phone, wallet, and other expensive personal items stolen in XXXX, XXXX. Afterwards, the theft immediately hacked into all of my personal banking and stock trading accounts while also using my credit cards / debit cards as soon as possible. They also hacked into my personal email and iCloud accounts, preventing me from receiving important SMS codes or emails to recover my financial accounts. I have been successful with most of my banks and credit cards, but I have not been successful with Wells Fargo and XXXX. 

With Wells Fargo, I reported to them immediately after the incident ( XX/XX/XXXX ) that my debit card was stolen and my account was hacked. I had over {$10000.00} USD in my account. The fraud report was submitted but I was denied. One of the customer service representatives informed me that I needed to go to a US Wells Fargo branch to verify my identity, but I was very busy with my new restaurant I opened in XXXX at the time which prevented me from travelling for a while. The earliest I could travel was in XX/XX/XXXX. I visited a branch in XXXX, where the representative informed me that identity verification wasn't required and I simply had to resubmit the fraud claim including my police report, which I did immediately. After filing the new claim, I received a phone call long after I provided the report around XX/XX/XXXX. The claim was escalated to the Executive Office and a member called me reporting that my claim was denied since it's been 180 days after submission. I find this response astounding since I had challenges traveling to the US and I later found out through the branch representative that an identity verification in-person was not even required! If an identity verification was not required in-person, I could have handled everything remotely without having to pay for a plane ticket and hotel accommodation just to simply handle this request. 

I feel misled by Wells Fargo 's representatives and now my account has been completely zeroed out by the thieves with nothing returned back to me.
Consumer complaint received 2023-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service (AL)

Please change this account status as it is not in collections. This account is paid in full, closed, and no payment is due. Payment history shouldn't show in collections or charge off. Please remove deragtory payment history, remove incorrect remarks and incorrect account status remarks please. Please report corrected information to all 3 bureaus as soon as possible. Thank you.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (IN)

When I open the basic account, on XX/XX/XXXX, I had used the promotion code saying that if I have XXXX direct deposits in to this account with total amount of {$1000.00} within 90 days of opening the account, I will receive {$200.00} as a intro bonus. 
However, after the XXXX direct deposits went in and no bonus coming in, I called the customer service around mid XXXX. They replied that they put a claim for me to receive that {$200.00} and told me that I should be expecting it within XXXX week. After XXXX weeks, I still haven't got the bonus. I called again for that, they said exactly same thing. Another XXXX weeks passed, I still haven't received the bonus. Then, on around mid XXXX, I called again, they told me the reason I haven't received it is because I will need to wait for 90 days in order to receive that. She gave me a certain day on XX/XX/XXXX. She said, on XX/XX/XXXX I should have received the amount. Today is XX/XX/XXXX, the amount is not in my bank account. 
I called again, and they told me I am not qualified for that bonus. They have been changing their words for avoiding delivering what they advertised. {$200.00} is nothing but it is a fraud if a company do not deliver what they promised!
Consumer complaint received 2024-03-28
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. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its 's my understanding that TransUnion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account name XXXX XXXX Account number XXXX
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-26
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: LEXISNEXIS (NY)

I found out in XXXX that I was mistakingly listed on someone else 's auto and home insurance policies through XXXX ( my insurance company too ). XXXX took me off of the policy and said they fixed the issue so my Lexis Nexis report wouldn't be falsely reporting multiple at fault accidents, home owners claims and other auto related claims. I worked with Lexis Nexis case # XXXX in XXXX and was under the impression everything was fixed. Until XX/XX/XXXX when I was shopping around for insurance and no one will insurance me because they are still reporting multiple at fault accidents, multiple glass claims, multiple towing in my name which is not accurate. This is preventing me from getting insurance elsewhere and if I do find a company the rate will be extremely high.
Consumer complaint received 2023-01-07
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. (PA)

My name is 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 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

According to the Federal Act everything on my consumer report should be 100 % accurate. How did the company do an investigation to my account if its reporting different information in every bureau. Please delete derogatory misleading information. XXXX XXXX ; XXXX I have attached a copy underwriting misleading information. You are violating my rights under 1581USC 1681A ( 2 ) a ( i )
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (CT)

In accordance with the fair credit Reporting Act, XXXX XXXX XXXX XXXX Account # 519570 & CB INDIGO/GF Account # 510004 has violated my rights.

15 USC 1681 Section 602 : States that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer cant furnish my account without written consent.

15 USC 1666B : A creditor may not a payment on a credit card account XXXXXXXX an open end consumer credit plan as late for purpose.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

I was affected by the data breach and I found out my social security number is listed on the black web. I have been working on correcting all inaccurate information on my credit report. On XX/XX/XXXX, I mailed a certified letter to all three credit bureaus. I included a copy of proof of residency, driver 's license and social security card. On XX/XX/XXXX, I have received notification from XXXX  my personal information will be updated to reflect my correct name, social security number, date of birth and current address. I have not received any information from XXXX. However, Experian dispute results report # XXXX for XX/XX/XXXX, I received of my credit report did not correct ALL of my personal information. Experian update ONE of the EIGHT addresses on my credit report. My credit report showed TEN variations of my name. On today, XX/XX/XXXX, I have mailed another certified letter to Experian. This time I had the letter notarized and I included a copy of XXXX updated credit report for XX/XX/XXXX, proof of residency, driver 's license and social security card. I have lived at my current address since XX/XX/XXXX. I am currently requesting is for Experian to remove all the other addresses and variations of my name off my report, as they are not deliverable to me by the United States Postal Service, since they are inaccurate and they are not reportable as per the Fair Credit Reporting Act - including but not limited to Section 611 ( a ) ( 1 ) ( A ). These credit bureaus are so quick to report negative information but updating and correcting inaccurate information is extremely hard to remedy. This is the second certified letter I have sent to Experian for the exact same issue. The first certified letter cost was {$3.00} and the second certified letter cost was {$4.00}. Not to mention the fact that I am paying for their XXXX  XXXX XXXX for {$24.00}. This is becoming very expensive to correct inaccurate information on my credit report. How will Experian be held accountable with the FCRA and CFPB?
Consumer complaint received 2016-11-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My bank sold my house, when they told me there was no sale date and they had postponed the last one. They did n't notify me of the sale prior to the sale as they have in the past. I only got a notice that it had been sold.
Consumer complaint received 2022-12-03
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. (TX)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$300.00} ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$10000.00} ), XXXX XXXX XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$260.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$520.00} ), XXXXXXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$200.00} )XXXX XXXX XXXXXXXX XXXX  ( Account Number XXXX, Date Opened XX/XX/XXXX, High Balance {$440.00} ), XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, High Balance {$340.00} ), XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX, Open Date XX/XX/XXXX, Highest Balance : {$5000.00} ), XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, High Balance {$450.00} ), XXXX XXXX XXXX XXXXXXXX ( XXXX, Open Date XX/XX/XXXX, Highest Balance : {$5000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AL)

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, ZIP Code ] Subject : Request to Update Credit Card Balance Information Dear [ Credit Bureau Name ], I hope this letter finds you well. I am writing to request an update to the credit card balance information associated with my credit profile. I recently noticed that the balance reported on my credit report does not reflect the accurate current balance on my credit card. 

Please find below the details regarding my credit card account : Credit Card Issuer : XXXX Statement Closing Date : XXXX Current Credit Card Balance : {$3.00} I kindly request you to update my credit card balance to reflect the most up-to-date information. This correction is crucial as it directly impacts my creditworthiness and financial standing. I have taken necessary steps to ensure that my credit card payments are made on time and in full. 

Enclosed with this letter, please find supporting documents such as recent credit card statements or any other relevant information that may assist you in updating the balance accurately. 

If there are any additional procedures or forms that I need to complete to facilitate this update, please let me know at your earliest convenience. I understand the importance of accurate credit reporting and would appreciate your prompt attention to this matter. 

Thank you for your prompt assistance in resolving this matter. I trust that you will handle my request with the utmost professionalism and efficiency. 

Should you require any further information or have any questions, please do not hesitate to contact me at XXXX or via email at XXXX. 

I look forward to a positive resolution to this issue and thank you in advance for your cooperation. 

Sincerely, [ Your Name ]
Consumer complaint received 2017-05-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (VA)

I canceled my account on   XXXX   XXXX   for both phones.  XXXX  attempted to tell me months later that it is their " policy '' to refuse to cancel customers accounts on the dates their customers actually cancel but whichever date  XXXX  specifies. Additionally,  XXXX  attempted to tell me I had a contract. I did not. I had a leased phone. I only owed  XXXX  more nominal payment, which I made.     When I started service with  XXXX , I was billed for 2 months in advance. I paid that incredibly expensive bill. I still have a copy of that bill. I offered to provide  XXXX  with a copy of that bill. When I canceled service, I was never refunded for the prepayments of services that I pay on a monthly basis ; as it is "  XXXX  's policy to bill at least  XXXX  month in advance. '' However,  XXXX  was billing me for an additional 3 months in advance. When I disputed the bill, they sent me to collections.     I have had to hire an attorney to dispute the bill. Not only has  XXXX  sent me to IC Systems for collections. I have only received  XXXX  notice from I C Systems. I c alled IC  Systems and in formed them that this was in litigation. They still posted this to my credit report against the FCRA. According to FCRA, punitive damages are also in order. This is illegal.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

To Whom It May Concern : XXXX XXXX Capital One Account No : XXXX I have contacted Captial One Credit card services several times about the incorrect reporting of the balance they show I owe. 

The outstanding debt has been paid in full, but it is still showing on my credit report with an open balance of {$820.00}. 

I sent a letter to all three credit reporting agencies with proof the debt has been settled through Capital One 's third-party collecting agency XXXX XXXX XXXX but XXXXXX/XX/XXXX, I received an alert from XXXX showing the credit bureau added a statement to my credit file that reads, description 1 " consumer disputes- reinvestigation in process '' and 2 " amount in high credit is original charge-off amount. '' By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2017-05-16
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: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (NC)

I am trying to secure a home loan at   XXXX   XXXX   XXXX   in  XXXX  NC. They ran a credit report and informed me that there was outstanding balances with multiple organizations. I have contacted  XXXX  of the  XXXX  accounts which are fraudulant accounts to have them closed or to inform  XXXX  of the accounts that have balances, that they were not opened by myself.  One of  the organizations   XXXX   XXXX   acknowledged the fraud activity when none of the information provided matched their information.   The other organization  MUFG Union Bank  has been highly uncoorperative. They have been contacted over 6 times since  X/X/17    when the report was run. I can not speak to anyone higher in the corporation than a  floor manager,  who tells me that due to the fact that the information of birthdate, address, mothers maiden name, and phone number do not match they ca n't talk to me. I have contacted the company on   XXXX    ,  two more time s with dates I did not document.On  X/XX/17    I spoke to the floor supervisor  XXXX  who opened a case report and informed me that someone would contact me to further the case. No one called. On  X/XX/17    I spoke to   XXXX   who opened a case, took down my information and told me someone will call me.  Noone calle d. On  X/XX/17    I spoke to  XXXX  and  XXXX  who are both supervisors, they informed me that there is n't anything they can do and someone will call me to further the case. In this span of time they have charged me a  30, 60  day late charge and reported to  XXXX ,  XXXX ,   XXXX   lowering  my credit score. I was also informed that they are going to charge me a 90 day late  charge. I offered to pay the minimal payment to stop the 90 day late charge from entering my report. I have informed them of the hardship that this is causing me and chance of losing my ablity to purchase a home. I have also employed  XXXX  to help in the battle.  Union Bank wi ll not allow me to try and remedy this situation and have openly stated that there is not anything they can do to stop the destruction of my credit. The phone numbers I have called are  XXXX   XXXX   XXXX  and credit card division  XXXX   XXXX   XXXX .
Consumer complaint received 2024-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (VA)

I called Aidvantage Friday XXXX XXXX XXXX XXXX requesting information on my portal said my account was past due but I had just received noticed on XX/XX/17 that an overpayment was made on my account. I was subsequently hung up on before I was given any information. I called back at XXXX asking the same information, and the representative could not provide me any insight as to why my account was once again past due when it shouldn't have been. They had no answers for me, and when I lamented that I constantly am having an issue with servicing they also hung up on me. How am I supposed to have my account serviced when I am constantly hung up on, and no one can explain why my account keeps being handled incorrectly. I spend more time servicing this account than they do, and am constantly having to correct them, meanwhile they are free to not respond to complaints, inquiries, and hang up on me whenever they feel like.
Consumer complaint received 2023-04-06
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. (CA)

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. 

XXXX account # 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.