davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

A friend on XXXX suddenly posted that he was making cash on the side while working full time as a nurse. Not knowing that his account was hacked and being somewhat sociable with the person, I fell for the bitcoin investment scam. I spent {$600.00} on XX/XX/22 and {$1500.00} as my initial investment and to upgrade my " trading account '' so I can get my profit, I paid {$1400.00}. Another {$100.00} was sent on XX/XX/22 for a bitcoin I was told to buy through XXXX. Everything else was sent through XXXX thats within my Wells Fargo XXXX. As soon as the scammer blocked me, I directly informed Wells Fargo and made a claim that I was scammed. Three weeks later, I received their conclusion and that they deny my claim because I authorized the transactions and that the recipient 's bank nor Wells Fargo had any error. I called and asked for further information, and inquired about EFT Regulation E and thr Wells Fargo banker told me that it only applies if I was induced to giving my information, which is not what my case is. They told me there's nothing they can do. To add salt to wound, I involved my brother and used his money by asking him to send money by XXXX in his Wells Fargo.
Consumer complaint received 2022-04-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NJ)

We were supposed to close on our home on XX/XX/XXXX with Rocket Mortgage. The closing was delayed. Our rate was locked until XX/XX/XXXX. We called Rocket Mortgage to extend our rate lock. Rocket Mortgage stated that the rate was locked for 90 days. Unfortunately, we did not follow up for the paperwork. We came to find out that they did not lock the rate ( closing after 69 days ) and we have to pay a full percentage point more. At no point in time were we notified that the rate lock was expiring. The agent we are working with denies making any claim that the rate lock was extended. Either the agent was negligent in performing her duties, or provided misinformation to us. Regardless, their business practices are unethical and damaging.
Consumer complaint received 2022-07-12
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. (LA)

According to the Fair Credit Reporting Act XXXX Account # XXXX Collection agency : XXXX XXXX XXXX, has violated my rights. 15 U.S.C. 1681 section 602A. states I have the right to privacy.

I also see that 15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. No written instruction were provided my me.
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I was advertised a {$200.00} bonus to opened a Business Checking Account with Bank of America. These are the terms to receive the new bonus, Open a new Business Advantage Relationship Banking or XXXX XXXX XXXX Banking account ; AND Make qualifying deposits of {$5000.00} or more in New XXXX directly into a new eligible Bank of America XXXX XXXX XXXX account within XXXX ( XXXX ) days of account opening ; AND Maintain an average balance of {$5000.00} during the Maintenance Period** in that new Business Advantage checking account. 

The Maintenance Period begins XXXX ( XXXX ) calendar days after account opening and ends XXXX ( XXXX ) calendar days after account opening. 

This is the transaction history of the account : XX/XX/XXXX : Account opened XX/XX/XXXX : Account funded with {$5000.00} XX/XX/XXXX : Maintenance Period ends at XXXX  days after account opening XX/XX/XXXX : Current account balance was {$5000.00} Please help me get the new account bonus that Bank of America advertised to me.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2022-04-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I CONTACTED THE SERVICER OF THIS LOAN THE MOMENT MY INCOME INCREASED. I WAS TOLD THAT I NEEDED TO PROVIDE PROOF OF THE INCOME AND TO RESUBMIT WHEN I HAVE THE INCOME, WHICH I DID. NOW I AM BEING TOLD THAT THE SALE DATE IS TOO CLOSE TO REVIEW MY MORTGAGE LOAN FOR MORTGAGE ASSISTANCE. I EXPRESSED THIS MONTHS AGO, XXXX OF LAST YEAR TO BE EXACT. NOW I HAVE PROOF OF MY INCREASED INCOME AND NOW I AM GOING TO BE FORECLOSED ON WITHOUT A REVIEW OF MY MORTGAGE ASSISTANCE REQUEST WITH MY NEW INCOME.
Consumer complaint received 2022-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX, I made a deposit at an ATM of 2 money orders totaling {$540.00}. I had to put in the amount as the ATM couldn't read the amount on the money orders. I do this every month, including entering the amount. 
This time, B of A adjusted my account, debiting the {$540.00} stating they couldn't read the money orders. 
I believe it was XXXX I went to the BofA in XXXX XXXX who phoned customer service. I was told I would have the money orders returned within 2 weeks. 
I went back to the BofA on XXXX as I had not received the money orders. I was told that I would not be getting them and they would no longer exist at this point. The bank had sent me a COPY of the money orders which was illegible for the amount. On the originals, however, the amount could be easily read. On the copy, it is obvious that something IS written in the amount. It is just not legible on the copy. 
I was told I would need to replace the money orders -- which will cost me money and require me to ask my tenants to replace them -- although the bank has now kept my money and not provided me with the originals as proof.
Consumer complaint received 2022-04-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (OH)

XX/XX/XXXX- XXXX XXXX XXXX XXXX {$1500.00} from my PNC checking account. After I disputed the transaction ; the funds were returned to my PNC checking account with no explanation of the ach error. 
XX/XX/2022- XXXX XXXX Credit Card XXXX XXXX payment amounts of {$410.00} ( {$820.00} ) from my PNC checking account.
Consumer complaint received 2022-07-12
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 an account without my written instructions
Consumer complaint received 2021-08-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (DE)

The information you provided is different from other bureaus. This account is reporting late, yet it is closed and the balance is XXXX  as reported in my 3 Credit Bureaus. Also, please reinvestigate the whole information especially the account type, account status, payment status, comments, and payment history. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2022-04-20
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. (IA)

In accordance with 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
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (ID)

XXXX XXXX reported collections on XXXX and Experian. These debts are not mine and I am not aware of what even these dollar amounts are for. Both credit agencies did not validate the debt even though they said they did. I have no knowledge of them, they are not able to validate the debts amounts and what services were provided to come to the dollar amount stated. XXXX has two collections from XXXX XXXX {$610.00} {$2300.00} Experian has four collections from XXXX XXXX {$610.00} {$2300.00} {$60.00} {$60.00}
Consumer complaint received 2022-04-20
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. (ID)

XXXX XXXX reported collections on Transunion and XXXX. These debts are not mine and I am not aware of what even these dollar amounts are for. Both credit agencies did not validate the debt even though they said they did. 

I have no knowledge of them, they are not able to validate the debts amounts and what services were provided to come to the dollar amount stated. 

Transunion has two collections from XXXX XXXX {$610.00} {$2300.00} XXXX has XXXXour collections from XXXX XXXX {$610.00} {$2300.00} {$60.00} {$60.00}
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern : YOU ARE BREAKING THE LAW According 15 U.S. Code 1605- Finance Charge ( a ) Finance charge defined Pursuant to subsection ( A ) Finance Charge Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed. 

The finance charge is the sum of all charges which is equal to ANY and ALL payments. So when I, XXXX XXXX XXXX, entered into a consumer credit transaction for these accounts, they were paid off at that moment. 

I demand the late payments on the account ( s ) listed below be removed from the immediately. 


XXXX XXXX XXXXdue to the timing of payments
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I contacted TransUnion on XX/XX/21. I sent them an FTC report, passport, cover letter and federal laws relating to the matter. It was received on XX/XX/21 and must be removed within 4 business days according to 15 USC 1681c-2 ( a ) ( 3 ). When I spoke to the representative at TransUnion, it was stated that I satisfied all of the documentation needed in order to consider this as fraud and identity theft however, I was still denied further action of removing these fraudulent accounts off of my report. As a consumer and natural person I know my rights and TransUnion is now in violation because after 4 business days of no removal pursuant to 15 USC 1681n, they have violated my consumer rights 11 times, one per each account. Therefore, I am seeking financial compensation for violating my consumer rights in the amount of {$11000.00} in addition to immediate removal of these fraudulent accounts on my consumer report. Thank you for your assistance regarding this matter.
Consumer complaint received 2022-04-20
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. (ID)

XXXX XXXX reported collections on Transunion and XXXX. These debts are not mine and I am not aware of what even these dollar amounts are for. Both credit agencies did not validate the debt even though they said they did. 

I have no knowledge of them, they are not able to validate the debts amounts and what services were provided to come to the dollar amount stated. 

Transunion has two collections from XXXX XXXX {$610.00} {$2300.00} XXXX has four collections from XXXX XXXX {$610.00} {$2300.00} {$60.00} {$60.00}
Consumer complaint received 2022-07-12
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: SYNCHRONY FINANCIAL (NJ)

I have been going back in forth with PayPal Synchrony for almost XXXX years trying to make payments. Unfortunately I have had no success. XX/XX/XXXX I disputed my account because they were continually charging the account even though they stated they could not discuss the account XX/XX/XXXX I spoke with XXXX a rep with PayPal Synchrony and was told that my account was sold and I had to wait to be contacted. XX/XX/XXXX I was reported for additional late fees XX/XX/XXXX money was drafted from my bank account regarding this matter from XXXX XXXX XXXX XXXX XXXX in which I got that process stopped making a payment for {$500.00} at that time even though I made the payment PayPal reported another {$42.00} late payment in which I was disputed and it was removed. XXXX & XXXX told me that they did not contact me because PayPal attached an order for me to not be contacted. Even though I have been calling and sending certified letters to the creditors. Since I paid my account in full in XXXX PayPal did not update my balance which XXXX disputed in XX/XX/XXXX. Even though I have a letter stating that I have paid everything in full PayPal is still telling me I owe {$220.00} in which no one can explain why I still owe money with a paid in full letter. I writing this letter to get this account deleted off my profile. This was originally charged off XX/XX/XXXX and they have now changed the date to XX/XX/XXXX charge off.
Consumer complaint received 2015-09-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I have ben receiving calls from Portfolio Recovery saying they were representing XXXX XXXX Bank on a debt that I supposedly owed from 2000. I do not recall this debt and if I had this debt, it has been 15 years. I have been receiving harassing phone calls day and day out from all kinds of numbers.
Consumer complaint received 2016-08-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: F.H. Cann & Associates, Inc. (FL)

I received another call today from F.H. Cann after having submitted a previous complaint against them. They were supposed to have put my phone number on a do not call list, yet I am still receiving calls from them. I do not owe any money and only started receiving these calls from debt collection agencies when I got my new cell phone ( XXXX XXXX ).
Consumer complaint received 2024-03-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I submitted an application and all requested supporting documentation on XX/XX/XXXX. I received an email XX/XX/XXXX at XXXX XXXX stating my application was moving forward. At XXXX the same day I received a second email stating I only had a XXXX month payment history and to check back with Fifth Third Bank in XX/XX/XXXX to submit a new application. This is after they did an unauthorized hard credit inquiry. I contacted the loan officer and advised the nine months were with the present mortgage company who had acquired the loan from my previous mortgage company and to look at the second page of the document. The loan officer then stated she did not see me on the loan. I stated to her I had owned my home since XXXX which a title search will show and if I were not on the loan I would not have been able to provide a payment history which matches my checking account history with Fifth Third Bank. I asked if she needed any additional information was told no and heard nothing else from her. A week later my bank branch manager reached out to her and after a week and an escalated call responded to her by saying she ( the branch manager ) needed to call the loan department. The manager did so and was told the flexline of credit loan had been declined but they did not know why. A week after that yesterday XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating I was declined for not being a borrower on the existing first mortgage note. I believe based on statements made by the loan officer my loan was mishandled deliberately.
Consumer complaint received 2022-04-20
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. (CA)

In accordance with the Fair Credit Reporting Act, XXXX Acct # : 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 an account without my written instructions
Consumer complaint received 2022-04-20
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. (CA)

In accordance with the Fair Credit Reporting Act, XXXX Acct # : 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 an account without my written instructions
Consumer complaint received 2024-03-19
Product: Credit 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: WELLS FARGO & COMPANY (CA)

I called this morning to get a status on my fraud claim XXXX for 3 transactions that I was not part of. The first representative told me that the claim has been accepted on XX/XX/XXXX and I was all good and that bank did not need anything else from me. I then received a physical letter in the mail requesting to sign fraud and forgery form. I called again to confirm if form was still needed and was met with hostility by the agent. He told me that they dont have any claims in his department and told me that investigation is ongoing. I let him know that I was told otherwise, but he did not care. I did submit a police report already. I am trying to actually figure out where this fraud claim stands because I did not buy anything off XXXX worth of over {$5000.00}. But also expect to be treated with respect : I would want somebody to review my second call.
Consumer complaint received 2022-04-20
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. (NJ)

There are inquiries on my report that I do not recognize, and in accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XX/XX/21 XXXX XXXX XXXXXX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/21
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$28000.00} DEPT OF XXXX / XXXX XXXX Balance : {$28000.00} DEPT OF ED/XXXX  XXXX Balance : {$28000.00}