davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
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: SYNCHRONY FINANCIAL (MD)

XXXX XXXX and XXXX are reporting adverse information on my credit report despite me sending debt validation letters to the company and them not responding with information requested. 

on XX/XX/XXXX i requested in my letter sent certified mail I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following from you : 1. Validation of the account ( Actual Accounting ) 2. Verification of your claim against me ( a sworn affidavit or hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ; Uniform Commercial Codes, and the Federal Fair Credit Reporting Act.

3. A copy of the contract signed by both parties therefore binding both parties 4. Please also provide me with a true certified copy ( NOT photocopy ) of the original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this note has never been sold.

5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account.

I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud and or mischief. Your said failure to provide the documentation within ten ( 10 ) days, from the date above, to validate the debt, will constitute your agreement to the following terms : That the debt did not exist in the first place ; or It has already been paid in full ; AND That any damages suffered, you will be held culpable ; That any negative remarks made to a credit reference agency will be removed ; You will no longer pursue this matter any further.

You agree to pay all fee schedules.

Please note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, those calls could constitute harassment and I may take action under Section 1 of the Protection from Harassment Act 1997.

As such, my account was closed 2024 with no other updates since then.
Consumer complaint received 2024-06-08
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. (PA)

I sent the 3 credit bureaus again a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct this account : XXXX XXXX Balance : {$22000.00}
Consumer complaint received 2022-10-04
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. 
As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure.
Consumer complaint received 2019-12-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

To whom it may concern, I look my credit report and I found fraudulent account that I did not open. This has been very stressful for me. I am trying to get this item of my credit report asap .Thank you.
Consumer complaint received 2019-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Earlier this month I filed a complaint with this agency regarding Bank of America having denied my application for the Bankamericard. CFPB sent my complaint to Bank of America. 

Regarding my original complaint I received two separate messages left on our answering machine to call XXXX ext. XXXX, one message from XXXX XXXX, the other message left by XXXX XXXX, employed by Bank of Americas regulatory complaint servicing department. 

The message left by XXXX XXXX instructed me to call her back no later than,XX/XX/2019 by XXXX XXXX mountain standard time. 

I have attempted to return the calls from XXXX and XXXX four times and have left messages with XXXX voicemail each time as the calls have gone straight to voicemail. 

As of this time, no one from Bank of America has responded to the detailed responses I left in XXXX voicemail box. 

I can not understand why that XXXX was specific for me to return her call by XX/XX/2019, but even though I was out of town, I left my cellphone number with the voicemail message that she nor XXXX XXXX have returned my call. 

Please let your contact at Bank of America know that I have in good faith attempted to return the two calls left on my landlines answering machine. 

Please ask Bank of America to not mark nor handle this follow-up complaint as a duplicate complaint as an excuse to not address it with good faith that it deserves to match the good faith in which it is presented in the hope to resolve the original complaint to continue the previous good relationship that has beneficial to both the bank and to me. 

Because neither XXXX nor XXXX have returned my calls, any reasonable person would believe that, not only is this unprofessional, it only adds to the prevailing public perception of large banks, that they are to big to fail and therefore they could care less what their customers believe about their less than professional decisions or if we believe that the banks employees want to help its customers.
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: WELLS FARGO & COMPANY (MD)

I applied for a credit card with Wells Fargo. I am an existing customer and have a checking account with them. This was my first time applying for one of their credit cards. I was approved for the card last month, but never received it. However, a bill statement was mailed to me. I called the customer service number on the bill statement and informed the rude representative that I never received the card. I have since moved from my old address and all my mail has been forwarded to a XXXX XXXX XXXX This XXXX XXXX is listed as my mailing address for the bank. I have received my mail from the bank without issue to the XXXX XXXX XXXX I verified both addresses with the representative, but she just rudely kept cutting me off and asking to change my address when my mailing address was already clearly on record. The conversation was difficult, and I elected to end the call and start over. I suspect this first representative placed a fraud alert on my account because when I called back, the second representative stated that he could not issue me a replacement card and I was transferred to a fraud detection department. I asked the fraud detection agent if it was normal practice for customers to have to speak to the fraud detection department to request a replacement card. I felt like I was being interrogated by the police for a credit card that I never received. The agent was not going to issue me a card unless I submitted to his interrogation. I was not reporting any unauthorized transactions and there was no activity on the account because I never received the physical card. I subsequently decided to close the account. I believe Wells Fargo routinely engages in discriminatory practices with certain groups of people. It has become abundantly clear that they are not interested in doing business with XXXX customers.
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo has continued to charge huge amounts of interest to my credit card account making it impossible to keep up and which takes away significant amounts of my credit. I have tried to talk with them about it but the problem continues. 

My account was at the top of its credit limit and Wells Fargo just applied another amount of interest between three and four hundred dollars and are telling me to pay the over credit limit amount at once. 

The reason the account balance is so high to begin with is that Wells Fargo has neglected/mishandled thousands of dollars of disputed/unauthorized/or fraudulent charges to my credit card. I am due credit for these disputed incorrect unauthorized charges which would eliminate these large interest amounts. I have tried to communicate this with XXXX. and have asked for assistance of the Executive Office, but there is never any proper follow up or attempt to listen, review, and properly resolve the issues and properly credit these improper transactions. 

Interest rates have never decreased since i have had the account since XX/XX/2016 ( six years and eight months ). 

Wells Fargo has harmed my credit due to this large amount of debt showing on my credit card when they have not properly addressed and mishandled disputes. Then they add huge amounts of interest which only shows my debt to worsen. This debt is inflated and being improperly and/or falsely reported to the credit agencies, as I am disputing that this amount of debt is not owed.
Consumer complaint received 2019-12-20
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. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$700.00}, {$330.00}, {$190.00}, {$54.00}, {$210.00}, {$22.00}, {$1600.00}, {$190.00}, {$870.00}, {$83.00}, {$1800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX XXXX  XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$330.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX XXXX  XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$54.00} -This is not my account. 

5. XXXX XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$210.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22.00} -This is not my account. 

7XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1600.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account. 

9. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$870.00} -This is not my account. 

10.  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$83.00} -This is not my account. 

11. XXXX XXXX XXXX/ with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account.
Consumer complaint received 2020-06-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (AE)

My mortgage with XXXX XXXX was transferred to BSI Financial Services. BSI 's website has no email for customer service. Their phone number puts you on hold and if you are on hold for more than 10 minutes, they force you to leave a voice-mail and then disconnect your call. I have been trying for several days to get in touch with them and it is impossible to speak to anyone to make my mortgage payment. In searching online, this company has disregarded people 's attempts to contact them to the point of penalties and foreclosure. There are nothing but complaints for this company. I have already contacted XXXX XXXX to tell them to never sell off a debt to this company again.
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Im having a consistent on going problem with transunion, and today I'm putting it to a stop. 

Ive been asking transunion to please provide me proof of inaccurate account for XXXX XXXX reporting and they still failed to do so. 

I just want for Transunion to please do their job and remove this negative information, i has been going on 5 months and they still fail to authorize my request on how the items was verified. 

I specifically ask Transunion numerous of times and also DEMANDED that they show me verifiable proof and provide me with any contracts or who they contacted, with a signature, and til this day they still fail to validate my requested in what i asked. 

I will have plenty of proof from XXXX XXXX and also Transunion. 

XXXX XXXX even says TRANSUNION never contacted them. 

So the whole time, Transunion has been falsifying documentation and stalling me out. 

THEN I RECEIVE A LETTER FROM TRANSUNION ASKING ME DO I HAVE A CREDIT REPAIR COMPANY WORKING FOR ME, AND TOLD ME TO DISPUTE ONLINE, I WOULDN'T DARE DISPUTE ONLINE, AS A CONSUMER WITH RIGHTS. 

THEY THINK THEY ARE SLICK, BUT I GOT THEM IN THE ACT WITH LOTS OF PROOF. 

BELOW YOU WILL SEE ATTACHMENTS.
Consumer complaint received 2024-06-07
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. (TX)

PLEASE BLOCKED AND REMOVED. 
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I have tried multiple times getting situations straightened out with all bureaus. I have requested that the gets deleted immediately as account is inaccurate. Accounts # does not match stating derogatory and collection/ CO with TransUnion and XXXX XXXX {$0.00} balance. There is no way account is derogatory if its in collection already. Theres no way payment status is 180 late if account is closed and {$0.00} balance. Payment history is missing data even though Date of last payment reports date. Date last payment does not match payment history. XXXX continues to change account #. Currently XXXX reports perfect payment all the way to XX/XX/XXXX. XXXX reports late payments and stops XX/XX/XXXX and removed data from date last payment. With inaccurate date date last activity and date last reported and changed date opened.
Consumer complaint received 2022-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$210.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

There are 7 incorrect hard applications on my Equifax credit report. I have filed 3 disputes with Equifax and have been told i would have to wait 2 yrs before the entries would rotate off my report. I have addressed 5 of the seven entries with the companies on the report none of the entries can they find where i have applied for credit through them. So I have just gotten off the phone with Equifax .They can't explain ( XXXX XXXX ) what to do since I have filed three disputes over the Equifax site and been denied. They want me to contact the companies again and have them notify Equifax. its odd that all the companies have stated that they have not received any notifications or requests from Equifax regarding my entries. But Equifax states they have notified them to denie my dispute. I asked to speak with a supervisor, that took quite awhile to come on line., His name was XXXX ( he refused to give me his last name ) he said I had to notify another dept in Equifax , but he could transfer me to that dept. And couldn't tell me how to reach them. any way Equifax id giving me a run around and their info is not factual. I need help with resolving this erroneous entries on my credit report. I can provide each company involved and dates as necessary. Please let me know how to proceed.
Consumer complaint received 2023-11-27
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. (TN)

I am writing to file a formal complaint against Experian, XXXX, XXXX, and XXXX regarding unauthorized hard inquiries, fraudulently obtained bankruptcy information, and incorrect personal information that is being reported on my credit report. I believe that these actions are in violation of the Fair Credit Reporting Act ( FCRA ) and warrant an investigation. I kindly request that the Consumer Financial Protection Bureau investigate the following issues : XXXX. Unauthorized Hard Inquiries : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-23
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

A fraudulent charge was placed the company gave back money. that should of gone back on my available credit instead they charged me and then again for a credit. my card is XXXX over has been sinvmce before XXXX. i was a victim and capital one has not kept there word on one thing.I need to know how to sue them. enough is enough. 
XXXX XXXX XXXX then they return should go back on my available credit capital one put it on my balance and then charged me for the credit for fraud protection acct XXXX got taken off pay plan because they made due date 24hrs after sogning up for hardship. then they defaulted and made balance due immidiateley. 

They have repeatedly said one thing then did another its been 4mos no resolve