davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: MUFG AMERICAS HOLDINGS CORPORATION (RI)

On XX/XX/2022 I applied and was immediately approved for a Union Bank Visa credit card. They had a promotion offering {$0.00} fee balance transfers for the first 60 days. As soon as it was approved, I was asked if I'd like to request a balance transfer. I said yes and entered in the account number and balance amount for my XXXX XXXX. I was not asked for an address. I never received an email confirmation for the new card account or for the balance transfer. I was given no verification or documentation. My XXXX XXXX payment was due on XX/XX/XXXX. The balance transfer did not show up on my account, so I made the minimum payment believing the funds would soon be transfered. I received no communication from Union Bank until receiving the card on XX/XX/XXXX. The transfer amount was shown as a balance on the Union Bank Card, but was not applied to the XXXX XXXX. Then, on XX/XX/XXXX ( 13 says after requesting the balance transfer ), I received a letter saying Union Bank mailed a check to " XXXX XXXX '' ( name misspelled ) on XX/XX/XXXX. None of the card disclosures said balance transfers were done by physical check. I don't know of any large financial institutions that does not use electronic funds transfers. On XX/XX/XXXX, a full two weeks after being approved for the card and requesting the transfer, I received a check made out to " XXXX XXXX '' and addressed to my home address. Union Bank sent my balance transfer to my home, addressed to the wrong company. When I called customer service about this error, they tried to tell me it was my fault for putting in the wrong address. I was never asked for one and they could not demonstrate where or how I had submitted both the wrong name and address. They offered no possible solutions and I ended up closing the account in frustration. Now I'm going to be charged interest on the balance I could have paid completely on the due date and I have a card opened and closed two weeks later on my credit report. I now don't have the funds for a home improvement project I have planned ( the whole reason I applied for the 0 % interest card ) and wasted a significant amount of time with both XXXX XXXX customer service ( trying to find those supposedly transfered funds ) and Union Bank 's grossly incompetent and unhelpful customer support.
Consumer complaint received 2022-05-25
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: Experian Information Solutions Inc. (TX)

FCRA violations : inquires not mine US SM BUS ADMIN ODA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2400.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Open. 

FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$670.00} XXXX XXXX account. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-03-10
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. (NY)

Timely payments on this account have always been my priority, ensuring they never fall overdue. I'm uncertain about the rationale behind the late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2022-05-25
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: Experian Information Solutions Inc. (PA)

In Accordance with the Fair Credit Reporting Act XXXXt Account # XXXX Account # 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 1681Section 604 A Section 2 : It Also States A Consumer Reporting Agency Can not Furnish A Account without My Written Instructions
Consumer complaint received 2022-05-25
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. (PA)

In Accordance with the Fair Credit Reporting Act XXXXt Account # XXXX Account # 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 1681Section 604 A Section 2 : It Also States A Consumer Reporting Agency Can not Furnish A Account without My Written Instructions
Consumer complaint received 2021-12-13
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/XXXX I received a texted message from my bank, Wells Fargo, through the phone number ( XXXX ) XXXX stating I had spent {$200.00} at XXXX XXXX which I had not. I responded to the text saying " No '' meaning that was not me, and later on I received a phone call from ( XXXX ) XXXX pretending to be Wells Fargo and " helping '' me out with the situation. They told me the person who had gotten ahold of my information was able to reopen my old card and use it to spend money at various places including two XXXX transfers of {$500.00}. They said in order to get my money back I had to add myself as a recipient on XXXX and XXXX myself the money back. The only reason I followed through with this was because they told me I would receive a text with a code I had to read to them which is usually what happens on phone calls with the bank. Additionally, the text came from the same phone number that sends me receipts for my deposits which is an actual XXXX digit Wells Fargo number. They told me my money would be added back into my account in a couple of hours. Once I saw it was never added back, I called Wells Fargo where I was able to speak with a real representative who told me the situation had been fraud, and they filed a claim for me. Now the claim has been closed, and they are unable to do anything because there was no fraud detected on their side although I lost {$1000.00}.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, which states I have the right to privacy ( 15 USC 1681, section 604a, section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER BANK, NATIONAL ASSOCIATION (CA)

My name is XXXX. My husband, XXXX who is a XXXX vet, loss income in XXXX due to COVID. We managed to pay the mortgage until savings depleted. Then had no choice but to apply for COVID hardship in XX/XX/XXXX. 
XXXX XXXX Loss Mitigation approved us for COVID-19 forbearance which stated that any suspended payments would be added to the maturity date of the loan and no lates would be reported to credit agencies. 
XX/XX/XXXX, we regained income XX/XX/XXXX resumed payments and have since paid timely XX/XX/XXXX received notice to pay missed payments and when we contacted the collection company, they said that the mortgage company showed us as owing a balloon payment. We have tried calling Santander Mortgage to figure out how this happened, but lines are always busy. 
XX/XX/XXXX account sent to collections and 30 day late reported to credit agencies. We contacted a XXXX Loan Counselor who placed several calls/messages to Santander Loss Mitigation XXXX XXXX ) XXXX to explain that late/suspended payments due to loss income as a result of the pandemic are not supposed to be reported to the credit agencies. 
XX/XX/XXXX, and XXXX XXXX, called again. Was able to speak to Loss Mitigation Supervisor ( XXXX XXXX XXXXXXXX ) who research our account and explained that someone pushed a payment deferral which caused the problem. 
XX/XX/XXXX Problem still not fixed and collections continues to report late payments to credit agencies. PLEASE HELP US.
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (IN)

So I was sitting down minding my business and my account has gotten charged twice. It charged me for a hotel stay. I was staying at this hotel for the night and the total for the stay was {$120.00} and it double charged me again and made my account go to {$250.00} which threw me to negative {$120.00}. So I need my now or I need to see a process where my is being processed to my account.
Consumer complaint received 2021-12-13
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: U.S. BANCORP (GA)

Elan Financial services obtained a copy of my consumer report under false pretenses I never gave them written consent to obtain my consumer report. On XX/XX/2021 they pulled my consumer reporting causing my score to drop tremendously. They used my identifying information without my consent to obtain a copy of my consumer report from XXXX. That is identity theft pursuant to 15 usc 1681 ( a ) ( q ) ( 3 ). The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Pursuant 15 USC 1681q, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. Elan Financial Services obtained my consumer report under false pretenses and without written consent. This unauthorized inquiry damaged my consumer report and they are now Criminally and civilly liable. Pursuant 15 USC 1681n ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2021-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had my credit card saved on my XXXX account, and one day I get an email saying that the email account linked to my account was changed. Shortly after, I see XXXX purchases made on my linked credit card to XXXX. Despite immediately contacting both XXXX and XXXX, the fraudulent claim was denied. I have not been given any information regarding these charges, I do not even know where the food was ordered to, or what email address my account was changed to.
Consumer complaint received 2019-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This account was paid in full and was only taken out for {$100.00}. It's been reporting behind by 120 days for the past four years which is inaccurate information. I've contacted the company extensively to fix this issue but they refuse. Even if the account wasn't paid in 2015 when I took the loan, it shouldn't report behind by 120 days indefinitely.
Consumer complaint received 2022-05-25
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)

The following accounts listed below are being reported with plenty of errors. 
XXXX Account # XXXX XXXX Account # XXXX In accordance with The Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the account status is innacurate, the date last active is inaccurate, payment status is innacurate and date last reported is not accurate.this is grounds for removal, they also violate my rights under 15 U.S.C 1681 section 602 A.States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

This person scammed me into sending them a payment for a dog I did not receive. I cant believe someone would do this to someone else its the worst thing you can do. They sent me a legit contract and we made an agreement they asked me questions, I even submitted an application. They completely lied about who they are and what they do. They need to be shut down they are running a complete scam illegally on this website please shut them down they are lying about everything. I contacted CitizensBank to request my money back which is when I used to send the money to this fraudulent person. I let them know that this was a scam and then I would like to request my money back and they refuse to give me back my money.
Consumer complaint received 2022-05-25
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX  has violated my rights. 

XXXX5 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 an account without my written instructions
Consumer complaint received 2022-05-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Application XXXX was signed on XX/XX/2022 after meeting mortgage broker XXXX XXXX ( Bank employee ). Fixed Interest rate was promised between 2.75 % to 2.87 %. XXXX XXXX confirmed verbally he had a budget to reduce the interest rate offered on paper which was displayed at 3.25 %. 

We were told the next step would be home valuation and credit check. The check did occur but the valuation didnt despite many follow ups with the Bank XXXX 

After a month, the Bank informed us that a new application had to be done. The application was done, a new credit check was conducted and the home appraisal was made ( paid by me XXXX $ ). The rate on the new application was promised to be the same as mentioned above locked between 2.75 % to 2.87 % however the paperwork showed a different amount. 

After many phone calls, emails and conversations with XXXX XXXX where I requested for the interest rates on the paperwork to match what was promised, the case was moved to different employees finally landing on XXXX XXXX XXXX who confirmed the only interest rate that the Bank could offer was circa 5 % APR which was much higher than the beginning. 

According to the evidence, I believe the Bank is at fault because 1 ) XXXX XXXX offered an interest rate which was not correct 2 ) The Bank employees failed to clearly state the mistake had been made by replying to my emails XXXX ) The Bank asked the costumer to do XXXX applications for unknown reasons 4 ) XXXX credit checks were conducted which impacted my credit score 5 ) Most phone calls and emails to XXXX XXXX remained unanswered 6 ) The time lost in this process made me lose the opportunity to refinance my loan which caused my monthly payments to remain high 7 ) The Valuation was paid by myself for XXXX $ which seem to be lost.
Consumer complaint received 2022-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I filed an identity thief report and i submitted it to the company, spoke to several different representatives and i still havent seen any results. 

date filed : XX/XX/2022 amount : {$1100.00} / {$940.00} i believe that CAPITAL ONE should remove the negative items off of my report.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

these accounts are in violation of 15 usc 1681 e b- accuracy of a report, states the furnisher/consumer reporting agency is responsible for reporting maximum possible accurate when it comes to a consumer ( me ) report. I sent a dispute letter displaying this information and saying it needs to be removed due to inaccurate reporting of multiple items causing my credit report to not be accurate : payment status, account status, date opened, account #. 
these accounts all have multiple inaccurate information that the bureaus are not be held liable for reporting accurately. 
XXXX, XXXX XXXX XXXX, Original Creditor the unauthorized use of my information under 15 U.S. Code 1602 ( p ), I did not authorize nor do i have actual accounts from these implied cardholders. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX co- XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- 15 usc 1666 b- timing of payments. 
I sent in as well a dispute letter stating I have never received a statement from them 21 days before I am to pay my statement and on top of that when I did receive it which is usually 5 days before its due if it was to come in a negative form I would've paid it, but it came in a positive form. They reported XXXX late payments are not accurate because the bureaus didn't hold the furnisher 's responsible for upholding the laws provided. These were all that I have attempted to resolve multiple times to dispute with the XXXX bureaus and they told me these items were validated even after detailed descriptions of the fcra/fdcpa laws and what my credit report reflected. So that i dont have to continue housing a inaccurate report causing me a great deal of distress, I demand these items be removed from my credit report and I be sent from each bureau an updated credit report reflecting changes made.
Consumer complaint received 2022-05-24
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. (PA)

In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX Account # 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 1681Section 604 A Section 2 : It Also States A Consumer Reporting Agency Can not Furnish A Account without My Written Instructions
Consumer complaint received 2022-12-17
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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
Consumer complaint received 2015-10-06
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc. (NY)

The borrower submitted a modification application through counsel on XXXX XXXX, 2015. More than five days have passed and the borrower has not yet received the notice required by XXXX XXXX Section XXXX XXXX b ) ( XXXX ) ( i ) ( B ) stating whether his loss mitigation application is complete or incomplete, and if incomplete, the additional documents and information he must submit to make the loss mitigation application complete.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I wrote Transunion and XXXX about 45 days ago. I asked them to investigate two accounts that were inaccurate. I provided supporting documentation according to their requirements of what would be acceptable documents. To investigate the inaccuracies. Trans unions response was that i did not follow the proper documentation guidelines. An according to their letter stated what would be acceptable. Which is what i provided them three times. This leads me to believe what iam asking to be investigated and reviewed has not been done. And i have continued to receive false investigation reports. Experian has exceeded the timeline for them to respond and iam now escalating the matter to you. The documentation i have provided is : Trans unions response to the investigation that changed absolutely nothing yet they investigated. 
A copy of the letter i sent them A copy of my current credit report and the inaccuracies. 

I only ask that these companies be responsible and truthful with their correspondence. 
Thanks in advance
Consumer complaint received 2021-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (GA)

LVNV also known as resurgent has bought up debt, which the original debt collector did not have the right to sell, since then I have had mine identity stolen a number of times, many of these debts had already been paid, For a time I had a law firm coastal processing handling these for me, but LVNV would not cooperate, and continue to hire companies make threats,