davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-17
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. (TX)

FCRA violations : inquires not mine XXXX XXXX., XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Open. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$64000.00} Status Open.
Consumer complaint received 2022-05-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have advised Equifax numerous times that inquires listed are fraud. They remove some but not all. All fraudulent inquiries need to be removed listed on my report.
Consumer complaint received 2022-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc. (DE)

I received a notification on my credit report of a bill in collection from Professional Finance Company. I viewed the bill and knew it did not belong to me. I called the company and told them this was not my bill it was an error. I then made a dispute with XXXX to have it removed from my credit report on XX/XX/2022. I received a notice on XX/XX/2022 stating it would not be removed the company has satisfied proving it was my debt. I contacted the original creditors which is XXXX XXXX XXXX via phone they confirmed I do not have any outstanding debt. XXXX sent me a billing statement reflecting a XXXX balance. I also have electronic statements. stating a XXXX balance. This company is fraudulently reporting I have a debt of {$7900.00} from XXXX and XXXX is allowing them to report fraudulent information.
Consumer complaint received 2019-08-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Synergetic Communication Inc (MI)

They keep calling looking for some strange Male. The name is foreign sounding. I've told them numerous times my number doesn't belong to who they claim to be looking for. They lied to me this last time, tonight, they have never spoken to anyone at this number. That's a lie because I've heard the strange name before. I've read online this number is a scammer. Please shut them down.
Consumer complaint received 2024-02-19
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. (AK)

This is not a verification account. 

XXXX Account XXXX XXXX is reporting four accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My loans are my business. My loans are my private information. XXXX  have reported my private information without my consent. XXXX  actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX  have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. 

Please delete XXXX Account # XXXX
Consumer complaint received 2022-11-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (MI)

XX/XX/2022 : call from this number and voicemail asking me to call back XX/XX/2022 : call from this number, I answered and told them to stop calling and I enrolled in XXXX. 

XX/XX/2022 : call from this number and voicemail asking me to call back XX/XX/2022 : call from this number and voicemail asking me to call back XX/XX/2022 : call from this number and voicemail asking me to call back XX/XX/2022 : call from this number and voicemail asking me to call back XX/XX/2022 : call from this number and voicemail asking me to call back
Consumer complaint received 2023-10-23
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. (NY)

I have a XXXX account on my credit report that I don't recognize. I informed the collection agency, the original creditor, and the credit bureau ( Transunion, XXXX ) that I had no ownership of that account. I'm not sure of what happened and why I have two accounts with XXXX.
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy federal credit union has permanently closed my checking account and they are keeping my money for and {$46.00} saying that there was fraudulent use on my account which they did not not even notified me of. I had to go in the bank and find out, and they are saying it was a problem with a XXXX payment, which was not fraud, and went through just fine and funds are received and so now the bank account is flagged and permanently closed and the bank is going to keep my remaining balance of {$440.00} without a reason of why
Consumer complaint received 2023-06-11
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. (OH)

Transunion was still reporting negative accounts as open with balances saying XXXX when they were included in bankruptcy. I submitted a dispute to Transunion with information to submit the case as being in bankruptcy they reopened a closed account and reported and then disputed it as included in bankruptcy which caused a 55 point loss in my credit score. The also refused to report an open credit card on my. This credit agency has violated my rights as a customer.
Consumer complaint received 2017-02-25
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY (WI)

Account ( -XXXX ) was paid in full on XX/XX/2017. This account was a 0 % interest until XX/XX/<YYYY> On XX/XX/2017 account was closed and balance was transferred to another account ( XXXX ). Because if this I am being charged {$2800.00} in interest that was deferred and a {$27.00} late fee for non payment on this new account ( XXXX ). 
I was never informed that they were going to transfer this balance to another account. 
Tried to contact by phone and after 30 minutes on hold I gave up for now.
Consumer complaint received 2021-11-07
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: Experian Information Solutions Inc. (WI)

Made Several Disputes concerning unauthorized inquiries on my consumers report and have yet to see them removed. I DID NOT authorize, consent to, nor benefit from the following inquiries. 
XXXX. XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SANTANDER HOLDINGS USA, INC. (MA)

The following is a chronicled sequence of what happened between us and the Santander Bank ( the page numbers refer to the page numbers of the attached PDF files we submitted and received from the Santander Bank as evidence ) : 1 ) We were notified a couple of months ago that Santander Bank is going to close our neighborhood branch, and we started to look into our deposit of over $ XXXX with them in XXXX XXXX XXXX Savings and Checking accounts ( Page 1 ). 
2 ) After we realized that our over $ XXXX savings at Santander Bank were only earning a monthly interest of less than {$10.00}, we stopped by a Santander branch on XX/XX/, to close the accounts. One branch representative told us that they were offering an interest rate of 4.25 % APY to our type of savings account, but only to new customers, so she is going to request that rate for us in order for us to keep the accounts open, and told us it would take 3-5 business days for the new rate to be in effect ( Page 5 ). 
3 ) We followed up at a Santander Bank on XX/XX/XXXX and then on XX/XX/, only to be told that the 4.25 % APY rate was not going to be applied to our accounts. We decided to close the accounts on XX/XX/2023, and the bank representative cut us a close-out bank check without any disclosure ( Page 2 and 3 ). 
4 ) When I compared the close-out bank check amount with my XX/XX/2023, statement ( Page 4 ), I realized that Santander Bank did not pay me any interest earned from XX/XX/2023 to XX/XX/2023, which would be paid automatically by any bank we closed out accounts before. 
5 ) When we called the Santander Bank customer service about this issue, we were told that they wont pay any interest of our $ XXXX, since our statement cycle is not closed until XX/XX/2023, and we closed the accounts on XX/XX/2023, citing their XXXX  Page 7, Section B5, which was not made aware to us when we closed the accounts, and did not sound legal to us in terms of fair customer protection. 
6 ) We think Santander Bank is deceiving and disserving customers by two ways : a ) Not paying the nearly whole month of interest on our $ XXXX without disclosing when we closed out the accounts. 
b ) Not paying the same interest rate on our $ XXXX deposit for several months while their rate is about 50 times higher for the same type of accounts for new customers. 

In summary, we think a ) legally they need to pay us the fair market interest owed to our bank accounts of $ XXXX for XXXX, and b ) Attorney Generals office should be made aware of their deceiving business malpractice toward customers.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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.

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 inructions 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 2018-04-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

ID complaint file XXXX. XXXX did finally what they were suppose to do. on the other hand Bank of America was the first. We had XXXX XXXX and XXXX, the federal government closed them down. No one told us anything. we found out on the XXXX XXXX  news. After 6 months of trying to find out what to do we were called by Bank of America and told we owe almost {$6000.00} dollars. I said so how are we suppose to pay this. they sent us a contract that said every year they will raise the mortgage 6 % until it is paid. we called and called and talked and talked. no one helped they said we were in forclosure on our credit report and we never were. Lawyer after Lawyer never told us our credit report was wrong. WE found out after the short sale. My wife XXXX has lost her job 2 times because of this. We spoke to Bank of America recently and nothing was done except you closed this case. They need to compensate us for illegally reporting false information and ruining my wives career. XXXX finally did what they were suppose to do even though they did not help us either. We will probably never mortgage a house again because of this.
Consumer complaint received 2016-07-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (SC)

Well Fargo is my mortgage provider and I am victim of flood happen in XXXX XXXX. As of result, I went to court in XXXX XXXX, XXXX because Wells Fargo was try to foreclosure on my home due they discrepancy of accuse me of payments on home loan. I show the judge in court that my home was damage from flood and it going to cost {$15000.00} in repair. I fault Wells Fargo for the following reason 1. Fraud me and government agency on amount of money I owe. In court Wells Fargo shown document that I owe {$23000.00} and I have document from SC help.gov stated that I owe {$46000.00} in back payments on my mortgage. SC help.gov is state government plan funds programs to help homeowners stay in their home. 
2. Wells Fargo has just as much rights to protect my home as well as the home insurance company does, but refuse to release insurance funds to repair the home. 
3. Wells Fargo has false documents about my loan, because on court documents their name is not the mortgagee provider. XXXX XXXX XXXX is the one on the documents rather than Wells Fargo, which is falsify court documents. 
4. Default on my home mortgage is wrong because of governments ' funds programs which are in place for help homeowner to stay in home is wrong. Wells Fargo has not give me or show the court what I owe and can explain why I could not get approve for modification loan on mortgage. I went through XXXX to get help me with approval for loan modification, but Wells Fargo keep telling me and them that I am not approval. In the same time, take the money put me back into foreclosure statue.
Consumer complaint received 2016-09-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

I attempted to open an account online with Wells Fargo on XXXX XXXX, I completed the necessary forms and also authorized them to take {$500.00} from my XXXX bank account to fund the new account. On XXXX XXXX I was advised that I was approved and that my new debit card had been mailed. On XXXX XXXX the {$500.00} was taken from my account by Wells Fargo. On or around the XXXX I received my new card. On the XXXX I tried to activate my new card by phone and was told that the card number could not be found. After several calls to various divisions of Wells Fargo I was told that my account had been closed as a result of a business decision by the bank and that since the account had not been funded the account was automatically closed. I provided the transfer information that I was given by Regions including online tracing numbers and the Wells Fargo Co ID. I spent 3 hours on the phone with Wells Fargo on Saturday and in the process was able to file a complaint and was provided a Case ID # and a number to call yesterday to find out the results of the investigation. I called back yesterday and today and they still say they do not have the money. Thus far I have spent 5 hours on the phone with the bank to retrieve funds that were not to be taken out of my account until the account was operative. They removed the money, closed the account 5 days later and now say they do n't have the money. I just want to know what to do.
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (VA)

I currently have been waiting over 2 weeks for over 30 transactions and amount close to XXXX $ to be disputed. I was out of town when this happen and they denied my claim saying it was no fraud. Im a father of XXXX and Im about to lose my house because I dont have the money in my account to pay for anything. Ive been given the rundown everytime I call and they just hang up on me. Im very concerned because I can not lose my house and my children because of this. I need this to be fixed ASAP!
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NC)

I have been banking with Chime. On XX/XX/, I XXXX chime customer support to find their phone number. I have attached the number that showed up. When I called the number the person answered Chime Customer Support, how can I help you. I told them I was calling about there spot me feature and needed some information. Being my first time calling I had no idea that it was a fraudulent scam number. She verified my information and told me everything was set up for me to use the feature. After hanging up, I went to my Chime phone app and saw that all of my money was gone. I immediately called my mom and told her what happened. We finally found the correct chime phone number and put in a dispute. One hour later, chime denied my dispute. I called chime and told them I need a supervisor in the dispute department. I explained to her in detail what happened. She filed a rebuttal. Yesterday, they denied my rebuttal. I have no idea who the person is that took my money. When I called the initial number back they laughed at me and made barking noises. I was very upset and did not know who else to turn to. So I found your website online. I have enclosed all the proof that I have. I have since found out that Chime has so many complaints for the same thing and yet this keeps happening to us the consumers. I have only my pay to live and now am suffering due to Chimes negligence on not taking care of their customers. They did not even once try to block my acct. or bother to change anything so these scammers can not do this to me again.
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: VYSTAR CREDIT UNION (FL)

Vystar Credit Union notified all clients that there was going to be an update to the Online Banking and Mobil app. The websites and mobil apps were supposed to be down from Friday, XX/XX/2022 at XXXX pm XXXX until Sunday afternoon, XX/XX/2022. It is now Tuesday, XX/XX/2022 and the website is not up. After many tries, I was able to login. The account balances are not accurate. The available balances and cleared payments do not match what the balances and transactions are when you call on the phone system called XXXX XXXX. Payments that have been made are not showing as being credited to the accounts.
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (WA)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.