davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (FL)

I have been charged multiple multiple overdraft fees when there was clearly money in the account. This apparently has been an ongoing issue with Wells Fargo Bank and its account holders. I have been with them for many years and never had an issue until a few years ago. Many fee charges were charged to my account incorrectly and my money was taken when my account was very visibly funded and not in fact overdrawn by any of the transactions that they showed overdraft fees being charged for.
Consumer complaint received 2023-01-21
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. (AR)

ON MY CREDIT REPORT THE CREDIT COMPANIES HAS THE ACCOUNT AS CHARGED OFF, I ASKED THEM FOR 1099C DUE TO THEM CHARGING THE DEBT OFF ON THEIR TAXES. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-13
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Western-Shamrock Corporation (TX)

on XX/XX/2019 a Loan company violated federal consumer financial laws by contacting my reference and releasing information about my debt, time of debt, amount of debt, and informed them about my credit score being impacted by said debt. I was informed that the number this loan company had on file for me was not up to date, and that is why they have contacted my reference, but I have legal rights and my information should not have been given out for any reason whatsoever.
Consumer complaint received 2023-01-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (CA)

Traded in a vehicle and requested a refund for gap insurance and never received it. This occurred with 2 vehicles finance through Wells Fargo. I would like to get a refund on the gap insurance for the 2 vehigoes. One was paid off and 1 was traded in.
Consumer complaint received 2023-01-15
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: Bread Financial Holdings, Inc. (ID)

Filed a dispute with XXXX about an account that was reported delinquent XXXX months prior to it existing, and despite their own report showing that exact information they did not fix it when I reported it. I submitted a dispute XX/XX/XXXX, and received a XX/XX/XXXX that did not correct my report and did not change anything. I filed a dispute directly with the company and I am still awaiting results from them. My reports verifies that my account was opened in XX/XX/XXXX, however it was reported delinquent from XX/XX/XXXX through XXXX of XXXX despite the account not even existing during that time frame.
Consumer complaint received 2023-02-21
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. (SC)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-13
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. (TN)

I feel frustrated that they still haven't deleted this account when the reporting is not accurate. I've disputed this with them a number of times and they did not take further action., claiming that the account is accurate when it's not. 

Collection account from XXXX XXXX ( Account No. XXXX ) Original Creditor : XXXX XXXX The date open and closed are not accurate. The balance is also not correct. I do not owe {$1000.00}.
Consumer complaint received 2022-08-16
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CENTRAL BANCOMPANY, INC (KS)

In late XXXX of XXXX I opened a checking account with Central Bank because of a promotional offer that they were running. After opening the account, I received an email from XXXX XXXX from Central Bank stating that they needed more information about the promo code that I used. He explained at the time that I opened the account, the entire promo code did not get copied over to the account. All that was copied over was XXXX when the entire code was XXXX. During our email he stated Thanks XXXX, that is exactly what I needed. The entire code didnt get copied over with the account and emailed me the fine print for the offer. The bank is not honoring their word ( or terms ) and saying now that they will not honor the promotion, nor switch the promotion to the code that is on their website because they suspect that I got the code from unauthorized 3rd party website, however the terms of the offer do not state of such limitations or restrictions regarding the offer. XXXX XXXX at the XXXX, KS Central Bank Location called me at XXXXXXXX XXXX on XX/XX/XXXX to tell me that I am not eligible for the offer even if I complete the terms because the employee, XXXX XXXX, ( that emailed me on XX/XX/XXXX and told me that the code is exactly what [ he ] needed and sent me the terms to the offer ) believes that I got the code from a unauthorized 3rd party website.
Consumer complaint received 2022-11-11
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. (AL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

FOR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC (IL)

This company, XXXX XXXX XXXX is bogus and finds accounts to pin on innocent people that have NEVER applied for the " said '' accounts. I have NEVER financed furniture and have an account listed for {$2500.00} since 2016 that is reportedly for a company that was a fly by night furniture company in XXXX and is no longer in business. I have contested it repeatedly and finally got it off of XXXX  and XXXX  but XXXX  won't remove it for some reason. This company has not been able to produce ANY documentation of anything I signed, no copy of my ID, no proof of address where the furniture was reportedly delivered to. It's ridiculous and should NOT be allowed by these credit bureaus. 

I have attempted to reason with this company in the past to no avail. The XXXX  is FULL of complaints about this company and is even marked as a high alert due to high number of fraudulent reports. 

This account is negatively affecting my credit file and I need to get it rectified asap. 

Thank you.
Consumer complaint received 2019-12-13
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 XX/XX/2018 I am  not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-03-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (CA)

I opened PNC Bank accounts because I was attracted to their advertising about a promotion - transferring in new money, set up direct deposit, and other requirements, then consumers will receive {$500.00} bonus. 

I fulfilled all the requirements, transferred in $ XXXX, set up $ XXXX monthly direct deposit. PNC Bank rejected to give me the {$500.00} bonus, despite the fact I spent hours on communicating with their customer service. 

I learned that other consumers had the same experience. Some of them received the bonus after contacting PNC 's customer service. That did not work for me. 

The whole customer service, and advertising department, have not met the industry standard.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/24, made a XXXX booking with Southwest Chase Credit Card for travel XX/XX/24 - XX/XX/24 with original charge in amount of {$380.00} and an additional charge for remainder balance of {$500.00} on XX/XX/24 for total of {$890.00}. XX/XX/24, XXXX XXXX XXXX  advised not to travel due to severe winter conditions that will lead to whiteout conditions, making travel extremely dangerous. Communicated with XXXX  host for a full refund understanding their cancellation policy at time of booking outlines specific dates and details of partial and full refund in hopes host would be understanding but wasnt. Host then indicated he would be opened to a refund of {$320.00} ( taxes and cleaning fees ). I reached out to XXXX  customer support 5x asking if the extenuating circumstances policy applies in this instance, and received mixed responses of 1 ) work with the host 2 ) host is opened to a potential full refund the same day we were in contact, if I cancelled the reservation on my end that day, and theyre able to get another customer to book their place. So, I cancelled the reservation and got a refund of {$220.00} noted on credit card statement on XX/XX/24 ( less than what the host said originally of {$320.00} ). On XX/XX/24, filed a dispute with Chase credit card company of the charges and provided all of my supporting documentation with the host, XXXX  customer support, and the XXXX XXXX XXXX XXXX. On XX/XX/24, received a notice of the outcome that charges were valid and the 12 page letter outlined the cancellation policy, terms and agreements I agreed to at time of booking and XXXX  informing the credit card company I did not try to work with XXXX  to resolve this issue which is NOT true. On XX/XX/24, contacted Chase credit card to learn how to file an appeal of the dispute outcome. Followed the process I was advised and uploaded supporting documentation again of my attempts to work with XXXX  customer support who gave varying responses. On XX/XX/24, got an updated letter from Chase stating my dispute was forwarded to XXXX, XXXX, XXXX, and XXXX.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (TX)

XX/XX/XXXX was the day I found my account frozen, I called the number that was given to resolve the issue but was prompted to keep checking the app for changes and was given no other information. I called 3 consecutive days in a row and was given the same prompt.
Consumer complaint received 2023-03-13
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: NEW YORK COMMUNITY BANCORP INC (TX)

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor mat not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Sterling Infosystems Inc. (WA)

XXXX, XX/XX/2019 at XXXX XXXX  I received an e-mail from STERLING TALENT SOLUTIONS informing me they were a Consumer Reporting Agency, and they were reporting public record information to XXXX. 
At the top of the e-mail in bold it said : BACKGROUND SCREENING NOTICE. 

XXXX. XX/XX/2019 at XXXX XXXX  I receive an e-mail from XXXX writing in reference to the recently reviewed background check report provided by STERLING INFO SYSTEMS INC. XXXX gave me a link where I could review/verify the report. 
XXXX after reviewing the report decided to temporarily suspend my account and contact me to confirm the information on the report. XXXX asked me to review the report closely and if after reviewing the report, if I would like to clarify any information to contact Sterling Info Systems Inc. 
XXXX continued on by stating that the e-mail constitutes a pre-adverse action notice and a copy of my Rights under the Fair Credit Reporting Act could be found at a link they provided. In addition, WA State laws were made available at a link they provided as well. 
This ended the e-mail.
Consumer complaint received 2023-05-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: NAVY FEDERAL CREDIT UNION (FL)

I am the personal representative for the estate of XXXX XXXX who died XX/XX/XXXX. 

On XX/XX/XXXX I transferred {$2100.00} from the estate checking account to a beneficiary XXXX XXXX ; this was done online via wire transfer to his credit union in XXXX XXXX in the XXXX XXXX. XXXX never received the money as of XX/XX/XXXX. 

In the proceeding days I called NFCU multiple times because the money was not delivered but had left the NFCU account. I was told to call XXXX XXXX XXXX  ( XXXX ) where the money was sent. When I asked about why XXXX I was told that Wire transfers do not go directly to non XXXX XXXX  and XXXX is the intermediary between NFCU and the credit union. 

I called NFCU numerous times afterwards but was told to go to XXXX  because they had the funds. After four lengthy phone calls, one visit to local XXXX and a written complaint I was told that NFCU which is my bank and where the transaction started had to request the return of the money. I do not have a XXXX account. 

I was not aware that online wire transfer could not be done and I had to go to bank in person. 
All steps have failed and I was told that I will not get funds back
Consumer complaint received 2019-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (SC)

I received a letter from this company ERC stating that I have an option to pay in three payments. The letter does not state that it is a settlement. I have never doe business with this company. This bill is not correct. I have already discussed with XXXX XXXX XXXX that the balance is in accurate. They have a rep that no longer works there who added features and lines of service that I did not ask for. When I would go to the store to get the issue resolved, he said he would handle it and not to worry about my bill. Every month bill seemed to get higher and higher. Another rep promised me that they would resolve the mistakes because the previous rep was fired. That never happened so I canceled my services. I promised to pay the disconnect fees of {$800.00} totaling 4 lines. A week later I received a bill for XXXX. This has also happened to my elderly father after he had a XXXX XXXX and his bill is higher that this. The company is running an unethical business.
Consumer complaint received 2023-12-06
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. (NJ)

Good day! I am asking requesting for your assistance help regarding with this wrong information on my credit report. Under the provisions of the FCRA 15 USC Section 1681i, please reinvestigate and delete the disputed items below. 

XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  XXXX XXXX Account Number : XXXX