davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-06
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. (AR)

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX  XXXX {$510.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$78.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$820.00} XXXX  XXXX {$630.00} XXXX   XXXX {$500.00} XXXX XXXX {$650.00}
Consumer complaint received 2022-12-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (GA)

on XX/XX/2022 I closed an account with Wellsfargo and was provided a cashier 's check for {$24000.00}. I mailed this check to our financial management company the same day but they never received it. On XX/XX/XXXX, I met with the branch manager for my local bank and requested a stop payment on the cashiers check which they did and a replacement check. 

I was told that I had two choices : 1 ) Wait until XXXX to get a new cashiers check for free or 2 ) pay over {$450.00} now to get a new cashiers check. 

My complaint is that this should not be the case. There are no real costs inflicted to the institution by my cancelling and requesting a new cashier check. A modest fee of perhaps {$20.00} would have been acceptable but not an amount around {$450.00}. So the bak is holding my money and profiting from such holding whicle this money, vital to me, is not accessible. 

Thank you for looking into this.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$810.00} XXXX XXXX XXXX {$190.00} XXXX   XXXX XXXX {$33000.00}
Consumer complaint received 2020-08-06
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. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$810.00} XXXX ACCT XXXX {$190.00} XXXX XXXX XXXX {$33000.00}
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (PA)

I always received paper statements for XXXX years, and in XX/XX/2022, I did not receive my paper statement, so I was late with my payment, first time EVER! After several calls they credited late fee but they didn't tell me they were charging a trailing interest, which I never heard of, that totalled {$100.00}, and they won't credit it.
Consumer complaint received 2020-08-06
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: Mortgage Lenders Investment Trading Corp (FL)

Last year I had looked into refinancing a home that I own with my ex-wife. We reconsidered it again this year, so she reached out to the same mortgage company in XXXX, asking about current rates, etc. She did not, nor does she have the legal right to, approve of them to make a hard inquiry into my credit. So without my permission, they pulled my credit report. I have contacted them several times about removing it. And while they said they would take care of it, it was never resolved. I contacted them again today, after seeing the inquiry still listed on at least 2 credit bureaus. They ended up replying to my ex-wife, who again has nothing to do with this, providing another number to call.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT. XXXX  XXXX {$380.00}
Consumer complaint received 2020-08-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WESTERN ALLIANCE BANCORPORATION (CA)

We've been trying to work with Western Alliance Bank/Bridge Bank for the past couple years regarding our accounts. We were forthcoming with them that we needed to restructure our loan because we were unable to make the exorbitant payments they were requiring us to make. Up until the pandemic, we were ABLE to still make the minimum payments due. After the pandemic, we were unable to make the minimum payments due. As a result, we just received a notice from their legal counsel DEMANDING payments of the full amounts due!
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL (OK)

Bottom line is my credit has unjustly been damaged. My house payment originated with XXXX  XXXX XXXX, then we went bankrupt ourselves in XXXX, and the house was " NOT '' reaffirmed, so they stopped reporting immediately, then XXXX took over, always asking if our intention was to keep the home, ( it was ) in all correspondence. Then XXXX got the mortgage, they honored the law, and didn't report either. But when XXXX XXXX too over, unbeknownst to me, started reporting me, and stated " they weren't told '' about the bankruptcy??? So even last week, synchrony refused to reinstate my credit line, my score has crept up a little, since it, thru dispute, was finally removed, but the damage still lingers as my score is in the low to mid 600 now. 

On about XX/XX/XXXX XXXX took over, from XXXX. The letter from XXXX 's bankruptcy people stated not to send a payment, so we didn't, and when we got a letter from XXXX they stated we were 2 months behind, we sold, and paid off, our house following around XX/XX/XXXX and by then it showed 3 months behind. That remained unchanged, not showing paid, not removed, or at least corrected, for about 1/2 a year. We began contacting them, early XXXX with them promising a correction. But they never did correct it. 

Synchrony has lowered and closed all of my credit lines. XXXX has lowered my line. XXXX has lowered my credit line. My score dropped to the low 500 's from high 699 700 's. 

The credit bureau 's have finally removed last month ( late XXXX ), after a lengthy dispute, worsened by temporary Covid delay, but my score and credit lines are still severely damaged, due to lowered, and closed credit lines, affecting my credit utilization. 

Bottom line is, House the house was " NOT '' reaffirmed, so this should have never happened.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (NJ)

To who, it may concern, Case number XXXX for account in question ( XXXX ) I am requesting the removal of this account off my credit report for several reason. I am here seeking help to have Falsified account removed. I am first asking for the the ORIGINAL contract was would confirm this account belongs to be WITH MY SIGNATURE that was allegedly open in XX/XX/XXXX. 
Then I would Like to see written agreement that gave ONE MAIN FINANCIAL permission to report my alleged account to any consumer reporting agencies. According to Fair Reporting Act 15 U.S.C 1681 section 604A section 2 : The law states clearly that my personal information CAN NOT be furnished WITHOUT my WRITTEN permission. There is a difference in placing an agreement inside of an statement and having someone agree to what the law is in written form. This written permission would have been when the " account '' was open in XXXX, Not XXXX when the company alleges in previously in documents. The account in question was charged off XX/XX/XXXX and alleges 6 payments was made in XXXX with a card ending in XXXX. As I previously stated and have proven this to not be true. By their own Evidence that ONE MAIN has provided, None support this a payment wasmade. A representative is now stating that it may be from a different account, but from their own records ONE MAIN states and has shown records of this alleged payment coming out of this specific account, now in a new statement they believe it was another account. Which is why I remain certain that this is account is was falsified. ONE MAIN can not provide any documents to support this account. The burden of proof is uncertain with this account. In addition, If the account was charged off in XXXX, Why was the account being reported in OK status with the credit reporting companies?. XXXX OK. 
XXXX -OK. XXXX, XXXX-OK. Even XXXX of XXXX the account was reported in OK status. Reporting the account in OK status means it's Current. Please provide.
Consumer complaint received 2020-08-06
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. (TX)

XXXX misspelled my name and XXXX  and experian can't get my correct addresses EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ADDRESSES REPORTED XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX address is correct wrong address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX wrong name spelling XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (SC)

PNC mortgage lost at least 1 payment during the purchase of my mortgage for another servicer. 

I have contacted PNC bank/mortgage at least 3 different times ( XXXX, XXXX, XXXX ) always being told that 3-5 business day is needed to research the account. 

PNC mortgage has sent me physical documentation/payments of the loan, yet they are still researching. Holding my money hostage. Putting my home and bank account in jeopardy.
Consumer complaint received 2022-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GENERAL BUSINESS RECOVERIES, INC. (AZ)

From what I could find out I paid a dentist years ago and without any permission, this was sold to a collection agency for double payment. This was paid in person and by insurance 1.5 years ago making this a fraudulent attempt to collect double.
Consumer complaint received 2020-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: INDEPENDENT BANK GROUP, INC. (TX)

They wouldn't go back to at least the first of XXXX to reimburse me. Didn't do their job professionally and protect my money. 
There security didn't check for someone taking my money out of my checking account like other institutions have done for me and admitted that nothing came up for them to do so until this happened now they froze my new account for a XXXX dollar transaction because they won't admit their security didn't protect my money
Consumer complaint received 2020-08-06
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. (OH)

XXXX  and Transunion should not be reporting me as an authorized user on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

i applied for XXXX prepaid card and i put XXXX on it and i never received my card and instead of getting the card i got a letter from chase saying they will closed my account and i wont have access to my money and i have to wait after XX/XX/XXXX to get my money and I'm very impatient when it comes to my money and i need it now not later and also i noticed there are previous chase accounts in my name and i never applied for them and my identify was stolen and this thief open few chase accounts in my name and these accounts were fraudulent and chase never investigate it and hold me responsible for negative account that was open back in XXXX and i was in prison during the time this account was opened and i never had a chase account in my whole life ... ... and i need my XXXX back ... discover bank is way better
Consumer complaint received 2020-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One, XXXX & XXXX I am very angry! Capital One has lied to me! I settled the debt and paid in full. Before I paid the debt I asked would it be taken off my credit report completely ; they told me yes, and it still was not removed. I have paid my debt and want it removed from my credit report immediately! Because its not removed it is hindering me from obtaining any other credit. Thank you
Consumer complaint received 2020-08-06
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. (CA)

On XX/XX/2020, I sent credit dispute letters to XXXX  and Transunion via certified mail as I saw that my credit report was reflecting inaccurate 30 day late payments ( 2 ) with XXXX XXXX XXXX for an auto loan that was already paid off. I submitted my proof of evidence ( copy of bank statements, emails and CA ID ) of payments, the account numbers, and all the pertinent information that would help the bureaus with their investigation. It has been 83 days as of today and I have yet to hear back from either Credit Bureau. I have been patient but this has gone on far too long. I have yet to hear from the bureaus, and when I tried to do dispute this online, I got an email from XXXX stating that the investigation would be completed in XXXX. I don't think its fair to extend the investigation another month, when I've already waited almost 3 months already just in trying to get a response from the bureaus. It is my understanding the under the FCRA, that the credit bureaus are obligated to respond within 30 days to ensure the correctness of the reported information. More importantly, if the disputed items are inaccurate or can not be verified that they are removed from the credit report as well.
Consumer complaint received 2022-11-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (NC)

Hi, I am writing in regards to the Citi ( R ) Accelerate Savings that I opened this summer. I ultimately decided to close the account with the help of an agent over the phone about a month after opening the account. This was back in XXXX / XXXX Once my account was closed, I was no longer able to sign into Citi using my login credentials. Today, I received an email saying that my savings account was overdrawn- {$3.00}. As my account is closed, I am not able to log into the Citi portal to view my balance or retrieve the account number. I've also destroyed the debit card that Citi sent me when my account was closed as the Savings account was the only product I had with Citi. I called the Citi support number, I was repeatedly asked to provide an account number which I do not have as this is not information that is contained in emails from Citi and again, I can not log in. I have called twice and received no help from the agents over the phone as I was told repeatedly I need to provide a debit card or account number. The account has been closed since XXXX and I am now being charged monthly account fees out of the blue of {$4.00} for an account I don't use and closed with a Citi agent over the phone to ensure it is closed correctly.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$21000.00} DEPTEDXXXX XXXX {$7000.00} XXXX XXXX   XXXX {$760.00} XXXX XXXXXXXX XXXX {$160.00} XXXX XXXX {$370.00} XXXX XXXX XXXX {$3100.00} DEPTEDXXXX   XXXX {$5500.00} DEPTEDXXXX   XXXX {$10000.00} DEPTEDXXXX   XXXX {$6200.00} DEPTEDXXXX   XXXX {$10000.00}
Consumer complaint received 2020-08-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (CA)

We received notice of a return of lease charge of {$420.00} in late XXXX after returning our XXXX XXXX. We held the lease from XX/XX/XXXX for 24 months and never missed a payment. The first bill was received sometime in late XXXX and I contacted GM Financial to inquire about why there was tax on the return charge, as the dealership we leased from, XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, claimed there should not have been tax. I contacted them 3 times, by phone and over online message, over the following months to find out about the tax with no call back or explanation from GM Financial, and my most recent call on XX/XX/XXXX, a rep stated in their account that there was a discussion and the system shows no follow up was given to us regarding the question. On XX/XX/XXXX, wife Wife, a cosigner, received a derogatory mark notice on my XXXX which stated there was a charge off for the balance of {$420.00}. Our only record of notice was that first letter received in late XXXX, and no further contact from GM financial regarding the question on the {$30.00} tax added to the fee. I reached out on XX/XX/XXXX to GM financial and requested information on why there was a derogatory mark and why no one had contacted me prior. The first representative claimed she did not see any information on my account. I was then transferred to an " escalations '' team member, who claimed they did see a balance due and a previous request, but no follow up from their department. I was then transferred to a supervisor who informed that they did not see a derogatory mark, and believed we should have been contacted regarding the issue. When asked for records of my contact with them and any contact they have made with me, I was told I was require an attorney to subpoena to obtain that info. My intent was always to pay the fee, but to receive an answer on why there was sales tax on this fee. No one called back, no further communication was sent, and no additional letters demanding payment were sent.
Consumer complaint received 2020-08-06
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. (AR)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$21000.00} DEPTEDXXXX XXXX {$7000.00} XXXX XXXX   XXXX {$760.00} XXXX  XXXX XXXX {$160.00} XXXX  XXXX {$370.00} XXXX XXXX XXXX {$3100.00} DEPTEDXXXX   XXXX {$5500.00} DEPTEDXXXX   XXXX {$10000.00} DEPTEDXXXX   XXXX {$6200.00} DEPTEDXXXX   XXXX {$10000.00}