davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NY)

I opened a Wells Fargo business checking account in XX/XX/2019. I was promised a {$1000.00} promotional bonus which I still have not received. I have called and emailed multiple Wells Fargo agents/representatives and they are not honoring the promotional bonus promised. They have denied me my bonus.
Consumer complaint received 2024-02-26
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: Experian Information Solutions Inc. (IL)

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. My personal information was also stolen during a data breach which involved several fraudulent inquiries being made without my knowledge and permission. All of the following inquiries should be removed from my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-02-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Second Round Limited Partnership, Austin, TX Branch (GA)

This is the second time XXXX XXXX through a secondary ( Second Round Sub LLC assignee of XXXX XXXX  - address Second Round Sub LLC Assignee of XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ) has taken us to court for a judgement on a debt originating from XXXX XXXX owned by XXXX XXXX, They will not be able to enforce any judgement, my income is from VA XXXX, and is my only income. Which comes from protected federal VA benefits : protected from garnishment to pay a debt owed to a private person or company. The have been aware of this for quite some time, yet they sold this debt to Second Round Sub LLC originating in Texas, with office in XXXX Ga. They received an unenforceable judgement, determined by the Courts in XXXX county -XXXX  XXXX -Ga. 
Please contact XXXX XXXX  ( secondary round sub llc ) second Round and advise them this is fiduciary harassment.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2018-07-10
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 (VA)

They say I owe them and and I don't and I want them to take it off my XXXX XXXX XXXX and them charges I told them that it's not fraud and I want it off my report.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (OH)

XXXX whole year Ive been going thur identity theft all XXXX credit bureaus have my documents and police report on file. I pay monthly for Experian app to keep my information safe and secure. I also have locks and freeze on my account including a pin which I change that and my email frequently due to ID theft. Somehow Experian is still allowing this thief to hack my account that I pay monthly to protect and alert me when someone apply or change anything on my account. Which is all fraud this person changes my personal information adding contact numbers Ive never had changing my email address so when they apply for new credit the company would call the fraudulent numbers. Experian is allowing this thief to add fraudulent addresses to my account that is vacant houses.Address that are not on file for me to receive mail from United States post office. I also have a statement up stating the only XXXX addresses and only XXXX should be on file for me. Experian still allows the fraudulent person to update new things to my personal information on my credit report its unbelievable. I also believe someone here that works at this company is also using my information, due to the fact I have a pin set only myself and Experian knows it, so how is this other person/persons still getting in my account? They are very unprofessional now my information has been uploaded to dark web ect this has really ruined my life
Consumer complaint received 2021-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX, XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.
Consumer complaint received 2021-01-14
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)

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 
I would like any and all fraud alerts or Credit Freezes removed from my credit report. I am having issues with my credit file reporting correctly. I have two XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX. I also have a XXXX XXXX accounts yet NONE are reporting and it is impacting my credit score. Not sure if there is an issue as to why its not reporting correctly.
Consumer complaint received 2021-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 
I would like any and all fraud alerts or Credit Freezes removed from my credit report. I am having issues with my credit file reporting correctly. I have two XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. I also have a XXXX XXXX accounts yet NONE are reporting and it is impacting my credit score. Not sure if there is an issue as to why its not reporting correctly.
Consumer complaint received 2020-04-03
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called the IRS and took measures into my own hands. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

Equifax, XXXX  and XXXX should not be reporting that I am ( 120-180 ) days late on the Conventional Real Estate Mortgage XXXX  partial account number XXXX. The late payments reporting were deferred via the CARES Act. I had arrangements with XXXX and these lates that are reporting are false and seriously harming my credit score and need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. Please remove and/or update my credit report to reflect accurate and current information. I have contacted the bureaus as well to fix this however, I have not been successful.
Consumer complaint received 2020-03-25
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. (OH)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX   DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX   DEPTEDXXXX XXXX  XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX   DEPTEDXXXX
Consumer complaint received 2020-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

We are having a nightmare of an experience with Shellpoint mortgage. PLEASE HELP!! Shellpoint Mortgage and XXXX XXXX XXXX are fraudulent and unethical companies/organizations. 

Our mortgage was sold from the original bank who we refinanced with to Shellpoint Mortgage in XX/XX/2019. We were not aware of the sale as we received absolutely no documentation of the sale/transfer and we continued to pay our previous mortgage company. 

Once we found out the identify of the new mortgage holder, Shellpoint Mortgage c/o XXXX XXXX XXXX, we began making payments to them. We made a payment in XX/XX/2019 ( because they misplaced the one we made to our previous mortgage company so we ended up having to make a double payment in one month ) and then with the payment we made directly to them, they misapplied it to our mortgage account. I called Shellpoint to rectify their misapplication of the direct payment and was told they would apply it correctly. They did finally apply the payment correctly but did so late and therefore we incurred additional interest which they still have not refunded. We should not have to pay the extra interest because of their error. 

Also because of their misapplication of the direct payment, they reported us to the credit bureaus as having been 30 days late on our payment. Not only was this incorrect but it also was a violation of the Federal Law as they had only assumed the loan from our previous mortgage company in the same month they reported us to the credit bureaus. We have filed with the credit bureaus to have this resolved and have also asked Shellpoint for a letter stating it was their error and now have been waiting over three months for them to resolve this issue. This is impacting our employment as well as our ability to refinance our mortgage. 

Additionally, they still have not found our additional payment we made to our previous mortgage company in XX/XX/2019. That mortgage company took in the payment but it was never applied to Shellpoint. The previous company said this is Shellpoint 's issue and we have requested payment to be applied ( XX/XX/2019 it was requested ) and are still waiting for a resolution. To me this is stealing from their consumer. 

Next, we received a letter from Shellpoint that they paid our taxes 5 months late even though all the monies were in our escrow account. This impacts both mine and my husband 's occupations. As a result of their ineptness, in XX/XX/2019, we requested the escrow to be closed and to allow us to pay our own taxes and insurance. This request still has not been acted on and we are still awaiting a decision. This is past the Federal allowance time for them to answer such a request ( 30 days ) thereby violating Federal law to which after my 8 phone calls to them on this issue they admitted to violating the law but still have not resolved. We want our escrow with them closed.
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My purse was stolen leaving a grocery store on XX/XX/XXXX. I called Bank of America to report this on XX/XX/XXXX. My credit card had been used several hours after it was stolen in the middle of the night at a local XXXX for {$310.00}. I filed a report with XXXX NC Police Department. The detective investigating the theft is XXXX XXXX, case # XXXX. On XX/XX/XXXX, I received an email from Bank of America issuing a temporary credit for the amount of {$310.00}. 

On XX/XX/XXXX, I received an XXXX XXXX. phone call. By the time I could get to the phone downstairs, the caller was gone and there was a message saying they they were not paying the claim. No way to call back. I also received an email denying my claim which stated " The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' I did not ALLOW anyone to use my card. I called Detective XXXX and he said they should not be charging me and asked for their phone number. I wrote Bank of America on XX/XX/XXXX and send the attached letter registered mail. I received an email reply saying I would hear from them in the near future. I did not hear from them. I called the number on the email XXXX and explained the situation to XXXX in Texas. He said to deduct the amount from my bill and pay the rest which is what I did. I thought I was talking to someone in the fraud department but realize now after talking to XXXX XXXX that it was a call center. 

I also went to a local branch of Bank of America to try to talk to a person but they told me that they do not handle anything to do with credit cards and gave me an XXXX  number to call. 

The charge was still there on my XX/XX/XXXX statement. I called again. This time I spoke with XXXX in TN. She said she was not allowed to connect me with an investigator but that she would have them call me back. No one has ever called me back. 

This brought me to your website. I went through several pages of claims on your website, many for Bank of America, some very similar to mine. I have been a customer of Bank of America for XXXX  years and I felt safe with them as they have had such good customer service in the past. I am very surprised and disappointed in the way this has been handled. I am retired and living on social security. I hope you can help me.
Consumer complaint received 2020-04-03
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. (AZ)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2022-11-04
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: TRUIST FINANCIAL CORPORATION (OH)

XX/XX/2022 Suntrust XXXX XXXX - an hard inquiry was made to my credit report. I did not make this request XX/XX/2022 XXXX XXXX  XXXX  - an hard inquiry was made to my credit report. I did not make this request
Consumer complaint received 2024-01-03
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-26
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The following dispute is required of your attention. 
This information is being reported inaccurately and is required to be removed. I have attached correspondence from XXXX as well as Bank of America stating is account was closed with no fraud activity. This information has been removed on chexxystem report as of XXXX. Please update this information on XXXX XXXX to reflect as such.
Consumer complaint received 2022-12-28
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$470.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$530.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven 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 has reasonable cause to believe that the information is inaccurate.