davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUSTMARK CORPORATION (SC)

I am being charged XXXX dollars for an escrow shortage that doesnt exist. I was notified of an escrow shortage of XXXX dollars from the mortgage company. I paid them XXXX dollars to fix the shortage and to put extra money in the account. However they stated that my mortgage was still going to go up to account for the shortage in the future which doesnt make sense since I paid the shortage. They stated that the insurance went up XXXX dollars from XXXX dollars a year to XXXX dollars a year ; this information is false. The insurance went up XXXX dollars a year from XXXX dollars to XXXX dollars. They claim that the last information they were aware of was insurance records from the XXXX when the insurance was XXXX dollars. However, according to their records, they mortgage company paid the XXXX dollar premium from XXXX. I am able to produce documents to prove it to them and they still will not change the increase in the mortgage. They claim that they made no mistake when they completed an escrow analysis. I was able to show them that they analysis the completed was incorrect and was compiled with the incorrect data. I requested a new escrow analysis with the correct information but they refused and are now charging me XXXX for a shortage that doesnt exist. I would like the VA to know this information and I would like the VA to fix this, since it is unjust.
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-07-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NV)

I had made multiple purchases with an online merchant for clothes and other homegood products. Some of these did not work out and I did separate returns for the different transactions. I have not received these credits to my account. Some I have, but many I have not. I contacted Paypal and they said it was the merchants problem. I called the merchant and they said it was Paypals fault. The total amount for 6 missing refunds is for {$740.00}. 
Since they come in as separate transactions, I will list them separately. 
{$51.00} {$8.00} {$14.00} {$43.00} {$180.00} {$100.00} {$270.00} {$72.00} I can send additional information if needed. 

Thank you for your time. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NJ)

I HAVE BEEN A WELLS FARGO CUSTOMER FOR MANY XXXX AND EVERY TIME I AM OVERDRAWN ON MY CHECKING ACCOUNT, THERE IS A {$35.00} XXXX.
Consumer complaint received 2023-07-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (FL)

I originally received the debt in 2015, which was in the amount of XXXX XXXX It's been going on 9 years and Ic systems reports it as a new debt every year and I can't get it taken off my credit report. Plus the debt has grown to XXXX $ since then
Consumer complaint received 2022-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Unknown account on my credit report. XXXX XXXX XXXX XXXX XXXXXXXX Reported : XXXX XXXX, 2022 {$1100.00} Closed
Consumer complaint received 2024-03-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NV)

RE WELLS FARGO ACCT # XXXX On XX/XX/23 a levy was improperly charged to this account from XXXX XXXX firm case # XXXX. By order of the local court, this levy has been REVERSED as of XX/XX/23, as I am exempt from levies up to {$10000.00} according to NV law, and only had {$1000.00} on this account at the time. WELLS FARGO, however, refuses to refund the {$120.00} fee they charged for this improper levy without a written letter so requesting from XXXX XXXX XXXX. They have no right to have charged this fee in the first place for a levy they should never have processed. To make matters worse, WELLS keeps charging me a XXXX XXXX monthly fee because my account is fee free only with an average {$500.00} daily balance, and I can not add money for fear of another levy. I had to spend XXXX minutes on the phone with them just to get the {$10.00} back.
Consumer complaint received 2019-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This is grounds for removal they also violated my rights under. 

15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions. 
Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION (NY)

Dear OPORTUN/XXXX, I am writing to dispute certain inaccuracies that are currently appearing on my credit report, which are affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name OPORTUN/XXXX Account number XXXX Account type Credit card Responsibility Individual Date Opened XX/XX/2021 Status Closed. {$680.00} written off. 

I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant XXXX and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 15 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

Sincerely,
Consumer complaint received 2019-12-04
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. (MN)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have requested for any late payments on this account be removed or reversed. According to 15 USC 1666b - Timing of Payments - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637b of this title.

The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. 
The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor or services on credit.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

There are several inquiries on my report that I did not initiate. I am trying to repair my credit so I can purchase a home and I have not allowed my credit to get looked at. I have received several alerts about my information being used on the XXXX XXXX and have been getting calls about someone trying to use my credit card as well. I really want these inquiries removed immediately so I can continue to monitor and repair my credit for future purchases.
Consumer complaint received 2022-09-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (NY)

I have autopay setup with Grain Technology , Inc. ; so that payments are drafted automatically from my checking account each month. Grain sends an email ( attached ) stating that Auto-Pay is set up & they will take care of the rest. However on XX/XX/2022 I received an alert from XXXX, XXXX XXXX XXXX that my account with Grain was 30Days past due. Also the same day I received an email from Grain stating " We have lost connectivity into your bank account. '' And finally when I tried to log in to make a manual payment I received a message that said : " Verification Pending '' & I was not able to proceed to make a manual payment.
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

I was purchasing airline tickets through the XXXX XXXX website. Upon checkout I had a total of XXXX. I was then offered a promotion to sign up for the XXXX XXXX XXXX XXXXXXXX XXXX to obtain XXXX statement credit, XXXX miles, and free checked bags for my reservation. I submitted my application was intstantly approved for a credit line of {$13000.00}. There was a message stating the card was ready for immediate use to complete my purchase. After entering the information the transaction was not authorized due to a {$3500.00} initial purchase limit. I called citbank to ask to have the intital limit raised to complete my purchase, they said there was nothing they could do, I even escalated to a manager. This promotion was predatory and misleading. At the point of purchase where the amount was clearly over XXXX it should have been clealry stated I would not be able to use the card for the purchase in which it was being promoted for. I had to give my socail security #, now this card is part of my credit profile, if I cancel it because it was misleading I will have a negative impact on my overall credit score which could imapct my ability to purchase countless products, services, and assets moving forward. I am a prisoner to this card.
Consumer complaint received 2023-08-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Main Resolution Group (FL)

I borrowed {$500.00} from XXXX XXXX loans. Had to have XXXX and was out of work for XXXX months after a car accident. They have had Main Resolution Group Inc call me and threaten me with litigation. They provided XXXX XXXX at Main Resolution Group with my social security number and my bank account number at XXXX. He tried to say my bank account was closed and it is not. They are asking for a little over XXXX now if it goes to court or {$470.00} the next 3 paydays when I make {$1100.00} every 2 weeks, and everything continues to rise astronomically in cost. I have not signed anything Main Resolution Group sent. I just wanted to get them off of the phone. I did not think it was allowed for XXXX XXXX to share my bank account information. Main Resolution continuously threatened me with court and when I was transferred to XXXX XXXX he asks " Is this XXXX XXXX XXXX XXXX '' thankfully it was me on the other end or someone else would have had my social. They have complaints on the XXXX where Main Resolution group does this often to people. The office for Main Resolution says it is in New York, but they apparently use phone numbers from where the person lives, they are trying to reach.
Consumer complaint received 2022-11-09
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: EQUIFAX, INC. (TX)

There are several inquiries on my report that I did not initiate. I am trying to repair my credit so I can purchase a home and I have not allowed my credit to get looked at. I have received several alerts about my information being used on the XXXX XXXX and have been getting calls about someone trying to use my credit card as well. I really want these inquiries removed immediately so I can continue to monitor and repair my credit for future purchases.
Consumer complaint received 2019-12-04
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. (OH)

Experian data breach. I tried to send multiple times to them that there are information on my credit report that I didn't apply for and didn't receive. I mailed on XX/XX/2015, and XX/XX/XXXX and each came back stating unable to forward and was sent back to me. No one answers the phone as well
Consumer complaint received 2019-12-04
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. (MD)

This debt has surpassed the statute of limitations. The date of last of activity was XX/XX/XXXX, the SOL is 3 years in maryland, yet it still appears on my credit report despite me contacting the company several times. This company is inaccurately reporting on my credit report a payment made in XXXX however, no activity has been made on this account since XXXX
Consumer complaint received 2022-09-13
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. (IL)

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services XXXX LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
This has caused me tremendous anxiety, stress, and financial hardship.
Consumer complaint received 2023-08-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (SC)

I had a loan with US auto sales and Westlake portfolio took over and since they took over they trying to double up on my payments and charge more interest and they have my pay days messed up and wont fix it. Ive called them and tried to discuss issues and they say they cant do anything about it. I have never missed a payment with Us auto sales or Westlake and Westlake is trying to say I am behind and is trying to charge late fees.
Consumer complaint received 2019-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (CA)

I have an ongoing issue with SunTrust Bank, with whom I have my mortgage. Every month, I mail them a paper check to pay my mortgage payment. Pretty much every month, I write in  {$1000.00} additional principal and make the check for {$1000.00} more than the minimum. Every month, SunTrust converts my check to an ACH transaction, which means I don't get a copy of my canceled check. And most of the time, certainly on XX/XX/XXXX, on XX/XX/XXXX, and on XX/XX/XXXX, they process the wrong amount. Their ACH transaction on all three dates is for {$1000.00} less than what I wrote on the check. ( This has happened previously as well. ) I have called them at least four times and asked them to stop converting my check into an ACH, and drawing their attention to having debited the wrong amount. They keep saying they will fix this and then they keep not fixing it. 

The customer service people seem reasonable but somehow SunTrust is unable, or unwilling, to fix this. It would appear not to be a priority for them, and I note that due to my inability to pay my mortgage off faster, I am paying SunTrust more in interest.
Consumer complaint received 2022-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-09
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. (LA)

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 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 2019-12-04
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. (MN)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.
Consumer complaint received 2022-09-13
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. (IA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.