davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (VA)

I am passed trying to get a response from Wells Fargo that is accurate. I am reporting this negligent and irresponsible behavior by Wells Fargo in the deceiptful manner in which they serviced our HELOC which began with XXXX. I discovered that my HELOC account statement was nothing like the HELOC account statements for other HELOC. My account statements haven't changed since 2011 and seriously doubt they meet compliance regulations. I've been mistreated and denied the same privileges and services that should be available to all. I can not imagine the fall out, but I expect Wells Fargo to be held accountable. Deception continues by this bank and what an embarrassment to many. Being manipulated by Wells Fargo is not a good feeling and those that police this business and their practices failed. I would hope this warrants your attention.
Consumer complaint received 2023-05-24
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. (IL)

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 EXPERIAN, XXXX, AND XXXX 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, IL XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$360.00} ; SUN XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$370.00}.
Consumer complaint received 2020-01-09
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. (CA)

XXXX and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX   account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a balance of {$0.00}. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

The XXXX XXXX seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties.

15 U.S.C. 6803 ( f ) ), and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure.

Therefore I am opting out and not authorizing it to be used on my report
Consumer complaint received 2020-01-09
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: Experian Information Solutions Inc. (CA)

I am filing this complaint because I was made aware of some accounts on my credit report that do not belong to me. The way I found out is that I got my credit ran by a loan company when I applied for a personal loan. I had no idea that these accounts were on my credit before today XX/XX/20. I did not open any of these accounts nor did I give anyone permission to open them in my name. I made some calls and I found out that these accounts were opened by a person named XXXX XXXX XXXX. I have no idea who that is nor why they opened these accounts in my name without my permission. I never made any purchases or payments towards any of these accounts nor did I benefit anything from these accounts such as money, services, goods or any other benefit.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

Dear Credit Reporting Agency, The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, without permissible purpose or authorization. 

XXXX  - Delete from file XXXX XXXX  - Delete from file XXXX  XXXX  - Delete from file XXXX XXXX  - Delete from file XXXX XXXX XXXX XXXX XXXX Delete from file I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame.
Consumer complaint received 2022-12-27
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: BARCLAYS BANK DELAWARE (CT)

XX/XX/2022 is a transaction on my credit statement from all school fundraising for XXXX. I called JetBlue Mastercard to report fraud I receive a credit but than on my next statement transaction was put back on my account. I called JetBlue again and was told they was going to send me all info regarding the transaction when I receive the paperwork all the information on there was incorrect wrong name and mailing address. I than called the school where it was to receive such items and the school was not aware of what I was talking to them about
Consumer complaint received 2020-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2022-12-27
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: EQUIFAX, INC. (KY)

15 USC1681 section 602 A. States I have rights to privacy 15 USC1681 section 604 A Section 2. it also a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 C. ( a ) ( 5 ) Section States : no copnsumer reporting agency make may consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes wich antedates the report by more than 7 years 15 USC 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 information is inaccurate. I received a letter from XXXX XXXXXXXX XXXX XXXX where they explain to me that my personal information was compromised on their system and they will pay a year free for XXXX that way I can check my credit report, I'm trying to find that letter but I missed but you can make communication with them and you will make sure some on toke my personal information amd I was seeing inquires on my credit report I never consent or allowed. Please check with XXXX XXXX
Consumer complaint received 2021-07-28
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. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2023-05-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (GA)

NCB Management services is steadily reporting a past due amount of {$6400.00} on a closed account I had with XXXX XXXX on a voluntary repossession from XX/XX/XXXX. I have tried repeatedly to tell them the amount of not owed and it was settled with XXXX before they placed it on my credit in XXXX. I keep disputing it on XXXX XXXX but I have never personally received mail, a notice, an email or anything regarding this. I want it removed from my credit ASAP on all three credit bureaus as I believe they have taken a closed debt and trying to steadily destroy what little credit I have.
Consumer complaint received 2022-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (IL)

I have multplie credit cards with Comenity bank for the 2 that I have balances with my XXXX XXXX XXXX and XXXX XXXX credit card I am just noticing I am being charged 2 different finance charges and they are both charged on the same day. But 2 different numbers. Going back for who knows how long. Why am I being charged two different times for finance charges? I have had these cards for YEARS. I never took out a cash interest. Only used them online. Never had late payments and I try to pay more when I can. But why are there double charges on the same day for interest? And they aren't the same number.
Consumer complaint received 2022-12-27
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. (KY)

15 USC1681 section 602 A. States I have rights to privacy 15 USC1681 section 604 A Section 2. it also a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 C. ( a ) ( 5 ) Section States : no copnsumer reporting agency make may consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes wich antedates the report by more than 7 years 15 USC 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 information is inaccurate. I received a letter from XXXX XXXX, trucking company where they explain to me that my personal information was compromised on their system and they will pay a year free for XXXX that way I can check my credit report, I'm trying to find that letter but I missed but you can make communication with them and you will make sure some on toke my personal information amd I was seeing inquires on my credit report I never consent or allowed. Please check with XXXX XXXX
Consumer complaint received 2023-05-24
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. (MO)

I submitted a letter to the XXXX Credit Bureaus last XX/XX/, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXXXXXX Balance : {$360.00}.
Consumer complaint received 2020-01-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P. (MD)

THIS BANK IS PURPOSELY AND FALSE REPORTING INFORMATION THAT IS NOT TRUE TO THE 3 CREDIT BUREAUS.THIS ACCOUNT WAS NOT OPENED ON XX/XX/2017. THEY ARE PURPOSELY REPORTING USING FALSE DATES. THIS ACCOUNT IS OVER SEVEN YEARS OLD. AND SHOULD BE REMOVED.
Consumer complaint received 2022-01-29
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. (TX)

I didnt not apply for XXXX XXXX XXXX account Im seeing three accounts with one single application on my credit reports and one is open with {$980.00} balance and another one is closed due to lost and stolen card and last one which is {$1200.00} closed with past due. With XXXX and three accounts with Equifax Im asking for these duplicates accounts to be remove off my credit bureaus this is a fraudulent application
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Somebody paid the bill from my Bank of America account via bill pay. 
It is a fraud. And I reported it to Bank of America but they denied my claim due to insufficient evidence. 

Date : XX/XX/2022 - {$9200.00} withdrawn by XXXX XXXX XXXX XXXX XX/XX/2022 - $ XXXX withdrawn by XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX this fraud activities on XX/XX/2022 Date : Bank of America noticed me on XX/XX/XXXX that they deny my claim due to no sufficient evidence. 

Date : XX/XX/2022 - I visited Bank of America to reclaim it. 
Bank of America asked me, Credit report to prove this XXXX XXXX Bill is not mine. I faxed for both of mine and my husband 's credit reports on XX/XX/2022. 
As per BOA, that transaction was incurred on Online so they need a proof of Credit Report. 

Date : XX/XX/2022 - They denied my claim again due to no sufficient evidence. 
As per BOA, that transaction was incurred via phone so BOA asked me to provide some report from XXXX XXXX XXXX XXXX my cell company ) that I haven't done anything on phone for the bill pay. 

Bank of America asked me to go to XXXX XXXX XXXX and get a report that I didn't do Phone transaction for above fraud bill pay with XXXX XXXX XXXX XXXX. As per XXXX & XXXX, they found nothing on my phone records that those fraud transaction instructed by me. They said, " how can we provide a report that not happened? '' ** I don't have XXXX XXXX Credit Card. 
** I don't have XXXX XXXX. 
Those Bill payment was not made by me and my husband. 

Fraud protection is a duty of Bank. They ( Bank of America ) didn't report me anything when those fraud transaction happened on my bank account. They haven't even recognized it. 
On the fraud transaction, there is no ACH account number and no name on it. 
How can I provide an evidence that those transactions were not made by me? When hacker hacked your bank account, can Bank of America provide specific evidence who did and what account number? 
Bank of America has no responsibilities to customers and they didn't do enough their job and transfer the responsibilities to customers. 
When some hacker hacked my bank and bank has no responsibilities, how can I trust Bank and save my money on there? 
I am so disappointed on Bank of America services and I have a deep complaint about Bank of America services. 

Please help me out.
Consumer complaint received 2020-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (PA)

The card in question is a XXXX 's Mastercard serviced by Comenity. Apparently this card was compromised several months back, but we were not notified ; we found out when the card was suspended and we called to inquire. During this compromise, the physical mailing address was changed to a XXXX address & email on the account was changed to one we know nothing about. That was supposedly straightened out and a few months later on XX/XX/XXXX we attempted to use the card again & it was suspended again. Upon calling, we were told the balance was {$0.00} and we requested the card be closed. XX/XX/XXXX we received a bill for the balance & past due charges. Apparently they didn't close the account as promised on XX/XX/XXXX & had sent the next monthly statement by email, which we didn't receive because the email address had been changed & " they couldn't change it back ''. We are out {$29.00} for the late fee because of Comenity 's incompetence.
Consumer complaint received 2020-01-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

KNOWLY PROVIDING FALSE INFORMATION TO CREDIT ALL 3. THIS ACCOUNT IS BEING FALSELY REPORTED BEING OPENED ON XX/XX/2019. THAT HAS A HIGH IMPACT ON YOUR CREDIT UNDER 2 YEARS. THEY CAPITALONE WERE BOTH REPORTING THE SAME INFORMATION AT THE SAME TIME FOR YEARS.
Consumer complaint received 2020-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (CT)

I have a mortgage with Suntrust Mortgage. 
My home was damaged by a flood and my insurance company issued the funds to repair my home. The funds were sent to Suntrust and they have been holding them in an escrow account. I have been contacting Suntrust on multiple occasions to request the funds be released to pay the contractors that have made the repairs. They tell me they need to have an inspector come to my unit before they can release the funds. They are holding {$80000.00} and have not released one penny. The work in my unit has been completed for months and the contractors are screaming at me to get paid. I have had to pay several out of my pocket because Suntrust keeps loosing paperwork, requesting unnecessary documents, and continues to stall payments. Now they tell me they need to send an inspector out to verify the work is completed. I requested the inspector on XX/XX/2019. I have called over a dozen times and emailed and they still haven't scheduled an inspection. 
They tell me they have no idea what happened and keep apologizing to me and claim they will escalate the situation. This is ridiculous at this point. I have been waiting almost a month just to get a date for he inspection. In the meantime I have had to pay contractors out of my pocket to prevent liens on my unit. This is causing me a financial hardship. Please help!!
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX  ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX SSN : XXXX Sincerely XXXX XXXX
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Hi I am contacting you because I keep reaching out to the credit bureaus to update my balances and and remove the fraudulent credit inquiries off my reports as there should be none. This is all causing a tremendous amount of unnecessary stress and I am XXXX and so is my son so you can only imagine what this is doing to me and my child as I am trying to move and do to false information on my credit report is causing things to be even more difficult. Equifax is definitely doing illegal things to lower my score like deleting positive things off my report instead of fraudulent things and leaving things on my report like the fraudulent XXXX XXXX credit inquiry which I provided them with a police report and they still haven't removed it yet nor have they updated my balances. My information was in there data breach but they still refused to give me my points back that they found away to take back at this point if they don't stop reporting inaccurate information I will be pursuing a lawsuit because there actions are unfair to me and my XXXX child and we may end up homeless do to there false reporting.
Consumer complaint received 2022-12-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIRST FINANCIAL BANKSHARES, INC. (PA)

Monies ( {$2500.00} ) were wired to XXXX XXXX XXXX thru his bank ( First Financial XXXX XXXX XXXX XXXX  ) Address of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX / XXXX XXXX, Texas XXXX. Web site is XXXX and e-mail is XXXX After money was wired to them, they will not get back to me with leaving messages for some time now. Can you please tell me how to proceed as they are in a differant state than me? Thank you XXXX XXXX I also have documents to get to you but my computer knowledge is not so great?