davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-08
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. (NY)

This is the second time that I have had to contact the Consumer Financial Protection Bureau over this issue. Here is my story : Transunion had a computer breach that violated consumers under Section  611 of the FCRA. I have been gravely affected. My credit score i s being affected in an extremely negative way as a result. This computer glitch caused all of my inquiries to be deleted. As a result, my  credit score increased. The next week, without notification, Transunion reinserted all of these inquiries, in dire ct violation of Section 611 of the FCRA. I spoke with several different reps. Each rep acknowledged the security breaches which occurred in both  XXXX  and  XXXX , but refused to correct Transunion 's violation of my rights.   I contacted the  Consumer Financial Protection Board , and as a result, Transunion deleted some of the inquires, but not all. My rights are still being violated. I am turning to you once again, in an effort to correct this egregious situation. I am requesting that the below listed inquiries, which were included in my original complaint, be deleted from my credit report.  <P/>  XXXX -  XX/XX/XXXX    XXXX   XXXX  -  XX/XX/XXXX   XX/XX/XXXX - XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX  -  XX/XX/XXXX   XXXX  - XX/XX/XXXX ,   XX/XX/XXXX   XXXX - XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX    XXXX  via  XXXX   XXXX   XXXX   XX/XX/XXXX
Consumer complaint received 2024-05-02
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: Fidelity National Information Services, Inc. (FNIS) (FL)

I am writing to file a formal complaint regarding a dispute with ChexSystems about an inaccurately reported debt from XXXXXXXX XXXX. This account is being reported on my consumer report with an alleged balance of over {$600.00}. I have reason to believe that this account is fraudulent, and I do not recognize or recall authorizing any such account or incurring this debt. Despite my efforts to dispute this through ChexSystems, I am concerned about the verification process and the validity of the information being reported. 

Upon noticing this entry, I immediately reached out to ChexSystems to dispute the accuracy of the reported information, invoking my rights under the Fair Credit Reporting Act ( FCRA ). I requested that ChexSystems provide documentation proving the account 's validity and verify all information provided by XXXX XXXX. As of this communication, I have not received satisfactory proof or a proper response that addresses my concerns about the legitimacy of this debt. 

This situation is distressing as it not only affects my credit score but also poses significant concerns regarding identity theft and data accuracy within consumer reporting agencies.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (WI)

On my XXXX credit card statement there was a charge from XXXX for {$120.00}. I had only had this card since XXXX and I paid it off every month so there was XXXX balance. I called to ask about the charge for XXXX on the XXXX bill, and they said there was a glitch in their system and it should come off on its own. I paid what I had actually owed, which was {$180.00}, and the remaining {$120.00} I was instructed not to pay because of the glitch. Ive called back every few weeks and at first they kept telling me that it takes a few weeks for it to correct itself. They told me to wait and not to pay it. Then it hit my credit report. Every time I call they hang up on me. Each time they say yes I can see what youre saying, Im so sorry, yes dont pay it, Ill transfer you and then they disconnect me. The last 3 times Ive called they now say its fraud because they wont even tell me what was purchased or could provide an invoice of what was purchased. I know it wasnt me that made the purchase because I pay it off every month, I only had it for 4 months, and it is very clear and obvious that there is a charge from XXXX in the XXXX bill. I have reported this company to the XXXX I will try and call back the XXXX credit card people again but this company/bank should not be allowed to do this to people. They are horrible company.
Consumer complaint received 2023-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (OR)

On XX/XX/XXXX, I paid a mortgage payment for the XXXX payment at a Wells Fargo Bank. Branch # XXXX, Transaction number XXXX XXXX at XXXXXXXX XXXX PST. I have a physical copy of the receipt. 2 checks were made for the payment : 1st check ( Wells Fargo Check # XXXX - amount {$800.00}. 2nd Check ( XXXX XXXX XXXX XXXX # XXXX - amount {$900.00}. Total Amount paid was {$1700.00} which was the amount due. 

Wells Fargo did not apply the amount. I called Wells Fargo on XX/XX/XXXX, XXXX XXXX  PST and spoke to XXXX who opened a work order to track the checks. The order number was XXXX. 

As of XX/XX/XXXX, my loan is still showing as late because Wells Fargo applied two {$800.00} payment which was no accurate. I made 1 transaction with two checks and the 2nd check should be the amount of {$900.00}. 

I called Wells Fargo again today at XX/XX/XXXX at XXXX XXXX  PST and was transferred to XXXX in Escalation. She was unable to track the missing transaction and is asking me to produce evidence of the check. 

I had paid my mortgage on time and due to the mishandling of Wells Fargo, I am now spending hours trying to resolve this to their satisfaction and making me jumping through the hoops to produce evidence. This is not how consumer should be treated.
Consumer complaint received 2023-09-04
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. (AL)

I submitted a dispute with the credit bureaus about an account that is not validated. The company still did not validate the account and the credit bureau is still reporting the account on my credit report. It has been over two months.
Consumer complaint received 2024-06-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. ()

XXXX. XX/XX/XXXX : I went to bank with mothers death certificate, they informed me that no beneficiaries were listed on her account. Turns out this is because mom had XXXX and would report her check book as being missing so they issued her a new account number thereby nullifying her beneficiaries. I needed to get letters from probate court. 
XXXX. XX/XX/XXXX : I was issued Letters of Administration by the County Court. 
XXXX. XX/XX/XXXX : Went to Chase Bank branch office with LOA, Death Certificate and notarized letters of instruction. The instructions specified the Fidelity Estate Account that Chase was to transfer the money to. Bare in mind that XXXX uses a Chase Bank account of their own to perform wire transfer and the instructions, given to me by XXXX were conveyed in the instructions that I gave to my Chase Branch. The Chase people at my branch were great and provided good service. Somewhere their back office is dragging their feet. 
XXXX. XX/XX/XXXX : Call the deceased customer division at Chase and inquire as to why the funds have not yet been wired. Response was, we can't wire the money, you'll need to provide us with different instructions. They can't move money from Chase to Chase? 
XXXX. XX/XX/XXXX : Went into Chase Branch again with new notarized letter of instructions this time to simply write a check and send it to me. I will manually to the XXXX XXXX and deposit it, if they ever get around to complying with the court order. 
XXXX. XX/XX/XXXX : Writing this complaint because it should not take so long to write a check. They have known this day was coming since XXXX of XXXX when I went into the branch office with my mothers death certificate. 
XXXX. Since the CD 's in the account were closed in preparation for the wire transfer that did not get accomplished back on XX/XX/XXXX, the money ( about XXXX ) is not gaining the interest for the benefit of the estate but is for the benefit of Chase.
Consumer complaint received 2023-02-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL (CA)

To whom it may concern : I noticed my XXXX Business checking account was overdrawn, so I checked it and found that dating back to XX/XX/XXXX, someone gained access to my business checking account number and routing number and started doing ACH debits. The payments were made to XXXX XXXX, XXXX, Sam 's Club, XXXX and XXXX XXXX XXXX. The names used were XXXX XXXX XXXX and XXXX XXXX. Two names I've never used and people with whom I have never associated. The amounts ranged from the {$500.00} range up to {$4000.00} more recently, totaling approximately {$21000.00}. 

Once I noticed this, on XX/XX/XXXX, I called XXXX Bank and filed a claim. They state they are only allowed to reverse charges that were within 30-60 days of the first occurrence. The most recent occurrence was XX/XX/XXXX. Within the past couple weeks, the criminal debited my account for more than {$10000.00}. I called all of the above companies and they stated they couldn't do anything and to talk with my bank ( XXXX ), who is not helping me any further. 

In the past, I received texts or emails about suspicious activity, which I believe this is, and I never received any notifications from my bank regarding any of these debits, even though someone else 's names were used for the transactions. 

The transactions with dates and amounts are in a supporting document.
Consumer complaint received 2024-06-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

I emailed advocate XXXX XXXXXXXX regarding obtaining a School Misconduct Discharge Application. I received the following email " Thank you for inquiring about a school misconduct discharge for your private loan. Your loan type ( Private Consolidation ) does not meet the criteria for you to receive an application ''. Navient were the ones who recommended consolidation of my private loans from XXXX.
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I was wrongfully charged overdraft fee even though my account had positive balance on it. A day prior and day after there were money deposits on XX/XX/XXXX and on XX/XX/XXXX to cover transaction in question XXXX XXXXXXXX XXXX XXXX grooming place ) for {$66.00} and other transactions.I was calling Wells Fargo customer service to resolve the fee with no results with several people, afterwords opening a case # 1 with their Escalation Department case # XXXX XXXXCase # 1 was opened on XX/XX/XXXX. On XX/XX/XXXX a " resolution '' email was sent to me reporting why I was charged which was not a true case and nothing was investigated.Only generalized info was sent to me.I had to open another case that is pending now case # 2 on XX/XX/XXXX # XXXXMeanwhile I called first investigator case # 1 XXXX XXXX and we discussed the mistake in first case and also that nothing investigating was done in that case .He stated he saw the mistake and would be calling me on XX/XX/XXXX after XXXX XXXX.No calls followed.I had to phone Escalation Department on XX/XX/XXXX in order to talk to XXXX XXXX personally but he was not available, after asking for supervisor, agent stated she is not available as well and must be on meeting.I have been dealing with Well Fargo almost a month now over the phone for hours with no resolution.Please help me.
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OR)

XXXX  XXXX XXXX XX/XX/XXXX {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX illegally reported with out written consent. XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX illegally report to 3 credit reports with out written consent. XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XXXX, DE XXXX illegally report to 3 credit reports with out written consent. XXXX XXXX  XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX, NY XXXX reported to 3 credit reports with out written consent. all these violate written laws under us code 1681c-2 and us code 1681-b
Consumer complaint received 2022-12-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP (NC)

Sold financed car, payoff check was received by US Bank ( confirmed by XXXX tracking and signature ) on XX/XX/2022. As of XX/XX/2022, the loan payoff check has not been posted to the account, a late fee has been applied, and customer service is unwilling to provide any further information about receipt and processing of the payoff check and unwilling to transfer my call to somebody who can look into the issue. Loan check documentation and tracking information is attached for review.
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

XXXX statement indicated balance of {$250.00} and full balance of {$250.00} was paid XX/XX/2022. New statement was issued with closing date of XX/XX/2022, showing a balance of {$4.00} for interest. I knew I paid card off. When the {$4.00} was not paid, they charged a late fee and more interest. See statement attached.
Consumer complaint received 2024-04-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Jim Bottin Enterprises, Inc (FL)

I signed a contract with XXXX XXXX  for $ XXXX for a standard membership. With tax its {$10.00}. I have been correctly charged for years per my contract until XX/XX/XXXX. On XX/XX/XXXX I am now charged {$12.00}. 

The price didnt increase. I checked with my XXXX location and standard membership is still {$9.00}. I never upgraded my membership. I repeat there was never any upgrades or signing of new contracts or rate increases. 

I called the XXXX front office and they didnt know why I am charged this amount because I have a STANDARD membership type in my contract. The refereed me to ABC Fitness Solutions , LLC who handle their billing. 

I called ABC Fitness Solutions , LLC and asked them for explanation. They played XXXX and said many generic things like " membership went up '' ( when it fact it didnt ) and trying to come up with an excuse when they got caught scamming. Not giving up I spoke with their supervisor and after some more excuses the lady finally said there is nothing she can do about this and will only forward this to finance department who does the billing, and not allowed me to talk to the finance department. She said they will correct these mistakes. 

Knowing how hard ABC Fitness Solutions , LLC tries to hide their scams while pretending how " sorry '' they are. I requested an email copy of our conversation and that this will get resolved. 

I did receive that email on XX/XX/XXXX, but nothing has been fixed. They had over 2 months to fix this. With this issue documented, yet they still chose to scam. 

I have all of this well documented, its an easy case for small claims court.
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am attempting to close my Bank of America checking and savings account. According to their website, I can do this in person at a branch, or over the phone. For both, they direct me to make an appointment. When I try to make an appointment, I am told there are no branches in my area that I can go to, and no phone appointments available. However, when I say that I want an appointment to SERVICE an existing an account, rather than close one, I'm given many appointment options. This occurred today, XX/XX/2023.
Consumer complaint received 2023-03-09
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. (NY)

XXXX XXXX has failed to send me a 1099-C pertaining to the account associated with the attached document included in this dispute. XXXX XXXX is also in violation of the IRS code for reporting charged off debt. Please see IRS reference information below : Instructions for Forms 1099-A and 1099-C ( XXXX XXXX Acquisition or Abandonment of Secured Property and Cancellation of Debt Section references are to the Internal Revenue Code unless otherwise noted. Who Must File File Form 1099-C if you are any of the following. A financial institution described in section 581 or 591 ( a ) ( such as a domestic bank, trust company, building and loan association, or savings and loan association ). A credit union. Any of the following, its successor, or subunit of one of the following. Federal Deposit Insurance Corporation. National Credit Union Administration. Any other federal executive agency, including government corporations. Any military department. U.S. Postal Service. Postal Rate Commission. A corporation that is a subsidiary of a financial institution or credit union, but only if, because of your affiliation, you are subject to supervision and examination by a federal or state regulatory agency. A federal government agency including : A department, An agency, A court or court administrative office, or An instrumentality in the judicial or legislative branch of the government. Any organization whose significant trade or business is the lending of money, such as a finance company or credit card company ( whether or not affiliated with a financial institution ). The lending of money is a significant trade or business if money is lent on a regular and continuing basis. Regulations section 1.6050P-2 ( b ) lists three XXXX XXXX under which reporting may not be required for the current year. See XXXX XXXX rules next.
Consumer complaint received 2017-06-08
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been disputing this account on my Report since  XXXX  when I noticed that this appeared on my report.   I have asked both   XXXX  ( CRA ) as well as  XXXX  ( Creditor ) to f urnish me with copies of an original contract bearing my signature, and have failed to do so. I know that I did not open an account at  XXXX .  XXXX  does not verify the information according to the FCRA, will not provide me the contents of my credit file not the report, my file must contain hard copies of all creditor information about said account according to this act and that I am entitled to said contents.   I have spoken to  XXXX  several time after each dispute requesting documentation, the person who is verifying this information and the method that  XXXX  is using to verify. I was just told by a  Supervisor   XXXX   ( wou ld not furnish last name ) at the  Dispute dept. of   XXXX  that  XXXX  does not itself verify creditor 's information but they honor the creditors information and put that on my report.   This is a contradiction of the FCRA, on how the CRAs are supposed to verify information. I need this wipe from my credit report, the amount is minimal {$910.00}, it is the principal behind this, if it were mine I would gladly pay this.   Why do we have laws and acts if CRA 's can circumvent these laws so easily?  <P/> I have provided the information below on my dispute history.  <P/> This is a summary of your   XXXX  Credit File activ ities within the last 365 days.   We will periodically notify you via email of the status of any pending online disputes or other disputes you have authorized  XXXX  to deliver online.  <P/><P/><P/><P/> R esults  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Viewed   XXXX    PENDING  XX/XX/XXXX   XX/XX/XXXX  ( Estimated ) -  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX   E xpired  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  N/A  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  N/A   XXXX    COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Mailed  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired  XXXX   XX/XX/XXXX   XX/XX/XXXX  -  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired   XXXX    COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired Thanks you,   XXXX   XXXX
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (PA)

It all started when I took out something in payments by affirm for XXXX and I was paying everything well my payments were done automatically and everything was fine until one day I started to look at how much I owed and that's when I realized that the payments had not been made in 60 days when I always made my firm payments I was never late I was confident that I had everything