davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have had a line of credit dating back to XXXX and I was born on XX/XX/XXXX Ive tried boosting my credit score and even called you guys twice a year to check on the Id theft file I created and all I got back was its under investigation each time.
Consumer complaint received 2024-01-03
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (IN)

As of XX/XX/XXXX I had applied for the Goodyear credit card application from XXXX through citiBank my reference number : XXXX in financing my car repair total. In which I came to find I was surprisingly denied when proper exchange of my application/security was given to the creditor citiBank email received XX/XX/XXXX of XXXX. However, how is this so when proper exchange was given for the valuable consideration or the credit card I am rightfully owed for giving a security? ( my credit application in exchange was given. ) As stated from UCC 3-303. VALUE AND CONSIDERATION ( 1 ). The instrument is issued or transferred for a promise of performance, to the extent the promise has been performed ; In this case, CitiBank the creditor with the Goodyear credit card is to be GIVEN for this exchange as Valuable consideration a part of this Exchange per UCC 3-303. VALUE AND CONSIDERATION ( 1 ). Is dishonoredIn this i demand my credit card to be sent to me in complete acceptance as this exchange was done in COMPLETE good faith yet completely dishonored by CitiBank. through the giving of my application ( being a security ) in receiving the valuable consideration of my Goodyear credit card, exchanged on my end for my security ( credit application given in exchange ). With this I DEMAND the Goodyear credit card be accepted and given fairly. As the credit application is a contractual agreement between myself, the individual ( the applicant ) and a credit card issuer ( CitiBank ) with the valuable consideration properly given and upheld.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In XXXX  during the Pandemic I was the victim of identity theft as were many of us. I then placed a fraud alert with the reporting agencies XXXX, XXXX, and Transunion shortly thereafter. Despite my effort to protect my identity and my nonpublic personal information the aforementioned agencies not only allowed my info to be used, misused, and abused but after I reached out and submitted a statement which can still be seen on my report as of to date stating that none of the inquiries or accounts added after the fraud alert was placed there had any accuracy they further allowed the inaccuracies to stay rather than remove them in accordance with 15 USC 1681i.
Consumer complaint received 2019-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TN)

Our mortgage holder, Wells Fargo, sold our mortgage without warning to a company, XXXX XXXX XXXX, XXXX, or XXXX, that has a reputation as a predatory lender. Although XXXX has sent no information to us, it immediately began dunning us via telephone without identifying itself or stating its business. We were told by Wells Fargo to continue sending our payments to it, since their consumer contact employees didn't know anything about XXXX, but now say they can not take back our mortgage from XXXX and can not forward our timely payments to XXXX. We have not received written or verbal statements or instructions from XXXX. In short, despite our efforts to follow instructions from Wells Fargo, we find ourselves in arrears with XXXX from day one.  From the numerous complaints about XXXX  that we find on-line, we have to assume that we are experiencing XXXX 's usual opening gambit with a new customer. We are afraid their unethical methods will at least harm our otherwise excellent credit rating and at worst result in foreclosure. Like many others in our situation, we are afraid we will have no alternative but to seek a new loan with another mortgage company. Meanwhile, Wells Fargo, by getting rid of its lower interest mortgages, buying back huge chunks of its stock, and firing hoards of its employees, is artificially propping up the " value '' of its stock. At the expense, of course, of homeowners, like ourselves, who have been their best customers.
Consumer complaint received 2024-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I received a copy of my most recent credit report and there are inquires from several companies I did not initiate, request and/or conduct any business with these companies. XXXX XXXX dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX XXXX Dated XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/2023 I fell victim to a robbery while away at college and shares joint accounts with my mother and father. My phone and wallet were stolen during the incident, which contained my Wells Fargo debit card, as well as an XXXX XXXX and XXXX card, both linked to our family. No sensitive personal information was stored in his wallet, aside from his driver 's license. 

The thieves wasted no time and embarked on a spending spree using the XXXX card, accumulating a substantial sum in a remarkably short period. 
Fortunately, XXXX promptly contacted us to confirm the legitimacy of these transactions. Upon discovering the unauthorized charges, they promptly canceled the card, and within 12 hours, all the erroneous charges were removed from the account. The thieves did not attempt to use the XXXX XXXX card, but as soon as we were informed by XXXX, I contacted them regarding the issue. Within an hour, my mother visited our local branch of Wells Fargo to report the theft ( I couldn't make any calls as the thieves had taken my phone ). I was also stranded on the road with no way of leaving due to the fact my car keys were stolen. 

Remarkably, during the short time it took my parents to go to our local branch in Colorado, the criminals managed to contact the telephone banking department, check the balance, and transfer {$5000.00} from my savings account to my checking account. They also incurred {$3400.00} in charges using my debit card. We were able to halt further damage by blocking the debit card, but the situation had already escalated significantly by then. The branch representative was the one to inform us of these events. 

In response to these alarming developments, my parents promptly initiated a fraud claim with both the branch representative and a fraud claim specialist over the phone within hours of my debit card and cell phone being stolen. 
Within a few days, we were shocked to learn that the claim had been closed, the case had been concluded, and it was determined that no fraud had occurred, thereby denying any refund of the funds. My mother made several attempts to reopen the case, but each time it was closed, with a different reason provided for not classifying it as fraud, and the explanations seemed to vary each time. We have invested countless hours on the phone with various fraud department personnel, with some suggesting that it was a clear case of fraud and should be escalated, only for another call to inform us that it was not a fraud case and had been closed. I have provided a police report along with receipts from the day of the robbery and Wells Fargo continues to deny my claim. As a XXXX XXXX XXXX XXXX  student this amount of money is a very big deal to me and Wells Fargo has continued to deny that there was any unauthorized transaction.
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$150.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$740.00} 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
Consumer complaint received 2023-05-12
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. (NC)

This is XXXX of my numerous attempts to alert credit bureaus to the fact that I have been the victim of identity theft and that I wish to inquire about specific data in my files that were obtained as a result of the crime. The paperwork I'm looking at has nothing to do with any purchases of goods, services, or cash that I've made or given the go-ahead for. Remove any information from my credit report that was allegedly obtained by fraud or extortion, assuming no one is looking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2022-12-16
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-21
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. (TX)

I have disputed this account several times for reporting inaccurate information, illegally re-aging this account every month, not providing proof that this account is mine, and causing harm to my over all credit. 

1. ) They have never proved paper work with my wet signature or any paper work proving that this account is mine.

2. ) Every month the date of last activity and report date is being re-aged and made made to be the most recent month 3.The open date does not match across all XXXX credit bureaus XXXX. ) XXXX is reporting a closed collection account as open and XXXX is reporting a closed collection account as open and the status as 120 days late XXXX. ) In the month of XXXX, my credit report showed that the balanced owed changed from {$500.00} to {$500.00}.
Consumer complaint received 2019-12-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NC)

A few months ago I was startled by an alert on my credit advising that a collection account appeared on my credit from a company called LVNV Funding. I immediately contacted them by phone only to be on hold for an extensive period of time. I also sent them a certified letter to the address on my credit which is LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX and the letter was returned. However the account remains on my credit and I was not notified before they placed the account on my credit .... put simply the unknown debt was not verified and I can not reach them
Consumer complaint received 2019-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc. (VA)

GM Financial and XXXX XXXX conducted hard inquiries on XX/XX/XXXX, 2019. XXXX XXXX made two hard inquiries : One on XX/XX/ 2019 and one on XXXX XXXX2019. I was told they did two inquiries because the company had misspelled my name, which was not my fault. It is my understanding that if hard inquiries are made within 30 days of each other, they are supposed to count as only one inquiry. That did not happen with either GM Financial, XXXX XXXX, or XXXX XXXX.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (IL)

I opened US Bank checking account XXXX around XXXX US Bank requested me to make opening deposit of {$100.00} and I did so. However, without my request, US Bank did 3 transactions on XX/XX/XXXX : deduct {$100.00}, add {$100.00}, deduct {$100.00}. It caused {$100.00} deduction in the balance of the checking account. Around XX/XX/XXXX, manager of a USBank branch, XXXX XXXX, promised me to find out why. However, I did not receive anything as of this writing. US Bank is the initial place from which a customer lost money. US Bank should proactively help its customer to recover the loss. I request US Bank to refund the {$100.00}. 

I filed Complaint to XXXX  ( ID # XXXX ). 

XXXX XXXX, Senior Customer Care Specialist of U.S. Bank Customer Service, said on XX/XX/XXXX : " Our records confirm, your account ending in XXXX was opened with a {$100.00} deposit. We received a dispute for this deposit which was found in the cardholders favor, and the deposit was reversed on XX/XX/XXXX. '' My reply ( XXXX  ) is : " Who is the cardholder? What card was used to make the deposit? Who initiated the dispute? The simple fact is : I lost {$100.00} from my US Bank account. I deserve to know why and how. I deserve detailed explanation. " XXXX XXXX, Senior Customer Care Specialist of U.S. Bank Customer Service, said on XX/XX/XXXX : ( no answer to my questions ) " The Payment Card Industry ( PCI ) regulates banking industries and restricts financial institutions from retaining debit and credit card numbers with their security code and expiration date. To confirm, we do not retain and are unable to view the credit card number used to initiate the opening deposit. '' XXXX said ( XX/XX/XXXX ) : " Upon review, the XXXX  has determined the company has chosen to remain firm in their position and not offer an alternative resolution. Please understand that the XXXX  is not an enforcement agency and we can not compel a company to do exactly what a consumer requests. The XXXX  has closed this case. 

XXXX appreciates the time you took to inform us of your experience with this company and will include it in their file. Your case will be reported in the company 's XXXX Business Review for other consumers access. It will remain on their record for 36 months, our standard reporting period. We will use it to note any trends or pattern of complaint activity and, should one be noted, will forward our case notes to the proper state regulatory agencies for their review and possible enforcement. '' In summary, XXXX XXXX, Senior Customer Care Specialist of U.S. Bank Customer Service, did not answer customer question about losing {$100.00}.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX I purchased a new XXXX XXXX XXXX XXXX Directly from XXXX, financed through TD Bank. In addition to financing, there was a recurring monthly cost of {$13.00} for XXXX XXXX ( Phone Insurance ) Fast forward to XX/XX/XXXX, I use my XXXX XXXX XXXX  as a trade in for the New XXXX XXXX XXXX. This time, I financed it on my credit card. I sent the trade in device by end of XXXX. 

In XXXX, I started noticing charges for XXXX XXXX on both my Credit Card and TD. Giving benefit of the doubt that there was some lag for the system to catch up that I no longer owned the XXXX XXXXXXXX. I paid for these extra charges for 3 additional months. 

Why would XXXX and TD still be charging me for insurance on a phone that they know I wouldn't have any more? 

By XXXX, I finally contacted XXXX support and spoke with a representative that agreed this was a bug in the their system. He said he will communicate with TD and refund me for the additional months paid. I paid off the account in full, and my open balance is now {$0.00}. 

TD Bank continued to invoice for the months of XXXX and XXXX. I didn't make these payments, because I didn't have to. 3 months have already passed in which I no longer have this phone in my possession. Late charges started to take place, and TD collections started calling. I detailed the issue with TD Collections Representative over the phone when they would call and I would explained that XXXX has spoken to them and that this account should be closed and no payment is required. 

In XXXX of XXXX, I was looking to buy a home and started the mortgage prior approval process. This is when I noticed that my XXXX XXXX has been significantly impacted. I went from a XXXX down to XXXX, mostly due to my profile showing 90 day delinquent on payment by XXXX XXXX TD Bank. This is more than a 15 % decrease, and I no longer looked good to my potential lenders. 

In XXXX I emailed the XXXX 's office at XXXX to explain the issue. The representative was able to summarize the issue and provide evidence so that I can dispute it through the Credit Reporting Agencies. 

On XXXX I created a dispute through XXXX, XXXX, and XXXX. I provided all the information and evidence. 

In XXXX, just after a month of creating the dispute, XXXX is the only agency to have responded. The letter basically states that they have investigated, and no changes have been made. 

They mention the next steps is to reach out to consumer finance, which I am writing to you today. 

Attached are documents that prove my case. I was not delinquent in payment, and have worked very hard to grow my credit report. 

I do not know what else to do. 

Please let me know if you need anymore more information Thank you
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.00}
Consumer complaint received 2024-01-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: WELLS FARGO & COMPANY (NY)

My car was repossessed today by Wells Fargo. I did not realize my loan was 3 months behind. I thought it was coming out of my bank account. I did not check bank account as I and my husband have been very ill, my husband being XXXX and can not XXXX  and I was not able to. Today at repossession I tried to get into my account and couldnt. They did not have any paperwork to give me, but the gentleman who was repossessing my car told me he would call the police. I am XXXX XXXX XXXX and was very afraid I would be arrested if I didnt give my car over to him. Now I am faced with insurmountable charges and I fear they will take my car. I believe this is what they want, my car. What can I do. I have never had this happen to me in all these years. I am afraid. Wells Fargo agents said they sent communication that this would happen but I never received anything. Can you help?
Consumer complaint received 2023-09-09
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. (TN)

TransUnion continues to report on my credit report the XXXX XXXX accounts # XXXX and # # XXXX even though I have provided them with evidence both verbally, via telephone, and in writing that the XXXX XXXX XXXX Department investigated these accounts and found that they were opened fraudulently and without my authorization. An XX/XX/XXXX letter from XXXX XXXX ( attached ) states that they have informed TransUnion to remove these accounts from my credit report due to this fraudulent activity. Unfortunately, TransUnion continues to list these accounts on my credit report.