davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

I deposited a check from my XXXX XXXX Account into my son 's Wells ' Fargo Account on XX/XX/XXXX.. ( I also have several Wells Fargo accounts and have been their customer for over 20 years-my son 's account and my Wells Fargo accounts are linked in Wells Fargo ). Wells Fargo put a 10 day hold on the deposit saying XXXX XXXX indicated they may not honor the check. 
I contacted XXXX XXXX and they said no such thing, in fact they released the funds to Wells Fargo the same day i made the deposit and they never indicated they were not honoring the check. Wells Fargo lied and i called them back on it and requested they put the money in my sons account immediately, since they had the funds. They would not do it. The funds did not show up until XX/XX/XXXX and now when i go into the my son 's account that deposit is dated XX/XX/XXXX, like they never put a hold on it. 
They held onto the {$3000.00} and used for their own purposes for 10 days. They had the money and they lied about why the hold was on the deposit. And now they are adding to it by back dating the deposit.
Consumer complaint received 2023-03-08
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. (TX)

This is my 5th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CLEAR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX LAND XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX
Consumer complaint received 2023-08-03
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. (FL)

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.

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 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 2023-07-31
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. (IN)

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.

has violated my rights. Or list of inquiries 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 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 2019-11-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL (OK)

I writing about my Paypal Credit account, on my XXXX statement it says within the payment information section that I would avoid interest if I paid XXXX, I paid XXXX but was still charged interest. The reason I was charged interest was due to how they applied the payment. I just thought it was misleading to say if you pay XXXX you would avoid interest and then you pay more than that and still get charged interest. For me to have actualy avoided interest I would have needed to pay 2300 to 2400 based on how they applied the payment. I know why the interest was charged I just find it very misleading to have a section of the statement say " to avoid interest pay XXXX '' and that not really be the case at all.
Consumer complaint received 2024-03-20
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. (MD)

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.

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 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 2024-03-20
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)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-06-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

I have provided the documentations that the mortgage company required. The documents where sent to the mortgage company via fax and uploaded to there website. all of the documents was sent between XXXX, XXXX, XXXX, of XXXX. I was never late on the 2nd loan there was an automatic withdrawal set up for the 2nd mortgage I wasn't aware that they stop taken the amount out for the 2nd mortgage. This loan has amount of {$68000.00} that came due. the monthly pay was XXXX I setup the monthly withdrawal for {$50.00} the last withdrawal was XX/XX/XXXX. I will upload the decision letter from the mortgage company. I'm not sure what else I need to have or say. Thank you. 

1. 2 years taxes 2. 2 months bank statements 3. 2 paystubs 4. profit & loss statements.
Consumer complaint received 2023-03-10
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. (VA)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2023-03-08
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. (FL)

XXXX XXXX XXXX added 2 late payment when Covid 19 was starting and everyone was struggling and i was never late on any payments this information it's completely wrong i try to fix this issue with the dealer and they said they can't help. 

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 XXXX XXXX # XXXX 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 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 2021-01-12
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: National Credit Adjusters, LLC (AL)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
Consumer complaint received 2023-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense XXXX and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (TN)

I Had A Contract With XXXX ( XXXX XXXX XXXX ) That Was Terminated XXXX XX/XX/2023. An Unauthorized ACH Payment Of {$440.00} Was Deducted From My Checking Account On XXXX XX/XX/2023 And Again On XXXX XX/XX/2023 To Them.
Consumer complaint received 2023-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I have a big credit card bill with XXXX. I do make my payment every month on time. 
I made my XXXX payment on time but the bank release the payment late. Now I am charged a late fee of XXXX. I would like to be credited back the XXXX since I made the payment on time but the bank did not release the funds on time.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have tried to contact Transunion only for them to tell me that it will be resolved but it never gets fixed. Also Transunion is telling creditors personal information about me that is untrue. They have let a car lending place be added to a bankruptcy that is illegal. They are letting debt collectors on my account without any proof of me agreeing that information is to be sold to them. Also, they have let someone hack my account with a different email address. Please help me.
Consumer complaint received 2024-02-23
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: Bread Financial Holdings, Inc. (NC)

In XXXX 0f 2023, my wife and I went on a cruise. We left out of XXXX to XXXX and then to the cruise. Upon returning, albeit months later, we discovered that someone stole mail from our old apartment and created fake identities to open up fraudulent accounts in my name. The accounts were opened at Ulta ( Commenity Bank ) and XXXX XXXX ( XXXX XXXX ). My credit dropped from the XXXX to under XXXX and I immediately filed disputes with XXXX, XXXX and XXXX, all on XX/XX/scrub>XXXX XXXX, 2023, with the expectation they would be removed. I was shocked to receive confirmations from the credit bureaus saying that both companies validated the accounts. I called XXXX and was transfered to an identity theft specialist. They told me that I should have chose " Identity Theft '' instead of " Account not Mine '' and walked me through how to refile this and how to file a report with XXXX  and a police report. My wife and I went to the stores where the accounts were opened and spoke to employees at both who verified that it was theft, then filed an official report through www.identitytheft.gov and filed a police report. We also froze my credit at all 3 bureaus and locked all future credit and added statements to the reports. However, despite it being nearly 9 months later and after speaking with the companies, XXXX, XXXX and XXXX, the accounts are still reported as late and the banks are telling us that we need to pay. We can not buy a new house or get a new lease on our car because of this. When someone slips through the cracks of these big agencies, their lives can be negatively impacted and be forced to deal with financial implications that are beyond their control, and they are not held accountable. I ask that someone gets us the help that we deserve and take it upon themselves to correct this incredible error.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Dovenmuehle Mortgage, Inc. (MO)

I declared XXXX but did NOT include my mortgage with DovenXXXX financial. After XXXX  discharged, they noted my account on my credit profile as discharged in bankruptcy. This is inaccurate. This debt was never included. I worked hard to pay the debt as required so it WOULDNT be discharged. I have asked Doven, the credit union and the credit bureaus to correct this. No one will do so. Every dispute comes back without it being fixed.
Consumer complaint received 2024-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lotane & Associates, P.A. (FL)

In XXXX, I received a collections request, Lotane and Associates, representing XXXX XXXX medical center. I spoke with the company about paying the debt off, they informed that I would be able to make payments via the website and settle the account for {$1200.00}. My payments could be made online and once the account was {$0.00} the account would be considered resolved. I made payments on the account totaling {$1200.00} bringing the balance to {$0.00}. 

{$80.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$85.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$85.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$100.00} XX/XX/XXXX Final payment of {$250.00} XX/XX/XXXX totaling {$1200.00} The company then obtained a judgement against me in XX/XX/XXXX, after I paid the debt off for {$1500.00} stating to the court that I had only paid {$600.00} towards the debt. I had in fact paid the balance off via their online portal and have the emailed receipts. 

The judgement was just mailed and emailed to me XXXX of XXXX, prior to this, for 5.5 yrs there was no communication about this judgement, I was not even informed this was going on. The judgement was sent to an old address that I no longer resided at in XXXX. I immediately reached out to them when I received the judgement in XX/XX/XXXX via phone and email to resolve the debt and show that it was paid off. The company is refusing to acknowledge that this debt was settled. I have copies of the receipts from the companies website showing payments made. 

Lotane and Associates Ph : XXXX | Fax : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (KY)

My name is XXXX XXXX I have a direct deposit account through chime we got our yearly bonus in check for I cashed it and went to XXXX XXXX and used what I thought was my chime debit card deposited {$500.00} but it was my girlfriends card and her accounts is unactive I called chime she gave them her info so they be able to discuss her account info with me but nothing was settled they said couldn't transfer any funds till account is re active but if that's the case it should not of allowed me to transfer the money into it I have my receipt I saw online if chime didn help me to contact XXXX they also refused to assess me Please help me fig this out I'm living paycheck to paycheck I can't afford to take this loss
Consumer complaint received 2023-01-12
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. (PA)

On XX/XX/2022 XXXX formerly XXXX XXXX has furnished fraudulent information to consumer report by way of using false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. XXXX violates 809 Validation of debts, XXXX violates 812 Furnishing certain deceptive forms, XXXX violates 807 False or misleading representations. XXXX HAS BEEN FURNISHING INACCURATE AND INCOMPLETE INFORMATION TO MY CONSUMER CREDIT REPORT FOR THE PAST TEN ( 10 ) MONTHS. I AM DEMANDING THE REMOVAL OF ALL NEGATIVE INFORMATION AND REMARKS REPORTED FOR THIS ACCOUNT, INCLUDING LATE PAYMENT CLAIM, ACCOUNT STATUS, AND ACCOUNT HISTORY TO CONSUMER CREDIT REPORT AS WELL AS THIS ACCOUNT CLOSED and or Charged OFF. I am aware that FCRA doesn't not require creditors to report negative information & such should not be disclosed to any non affiliated third party without consumers lawful consent.This is a violation of 15 USC 1681S-2 ( 7 ) ( E ). The information displayed is not Fair and equitable to consumer. I have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, the consumer holds the right to validate and verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law.
Consumer complaint received 2023-03-08
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. (AL)

I am interested in disputing all invalid information on my credit report with transunion. checking my file ive noticed alot of data that is hindering my file. please remove the data listed an correct my report asap.
Consumer complaint received 2023-03-08
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. (FL)

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 XXXX XXXX # XXXX15 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.