davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
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. (PA)

Im sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to ELIMINATE these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$140.00} ; XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX XXXX of inquiry XX/XX/2021 ; XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-09-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BB&T CORPORATION (WA)

I financed a XXXX XXXX the loan was for XXXX for 72 months at XXXX monthly payments. the interest 18 % first payment made XX/XX/XXXX it is now XX/XX/XXXX and we still owe XXXX we have paid XXXX. now per contract the loan is for 72 months the total loan with interest will be XXXX that in it self is crazy but my concern is that we still owe XXXX but if you take the XXXX minus the XXXX we have already paid thats XXXX so whats the extra XXXX from. also the way they applied the interest and principle is not accurate the car is not worth more then XXXX so I cant even try to trade it. also they said that in a year to come back to the dealership and they would refinace the car but when i tried they said they dont refinance.
Consumer complaint received 2018-11-28
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. (KY)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2018-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have never had a account with this company, now they are reporting in my credit under a bankruptcy. I told the rep I disputed this account requested validation of the inaccurate account on my credit report, then added it to a disputed bankruptcy on my credit report. I was also told they open this accounts online. I told the rep I am a victim of identify theft also had a problem with a security breech, They refused to remove this account from my credit or provide me proof of who opened this account, I also requested a contract with my signature. This is not my account and has been damaging my credit for years. 

The address the rep gave I have never lived at. I am demanding this removed this is a fraudulent account & has not been filed under a bankruptcy. I believe this status was added to keep this inaccurate information on my credit longer after my dispute with this company.
Consumer complaint received 2021-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (FL)

I was contacted about debt collection by Central Portfolio Control ( XXXX ), XXXX XXXX XXXX. A merchant I dealt with mislead me about their services, then when I disputed it with my bank, they created false charges and sent those to a debt collector as retaliation.
Consumer complaint received 2018-11-28
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. (KY)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2018-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was out of the USA from XX/XX/XXXX to XX/XX/2018. On XX/XX/XXXX, I found out online, there were many fraudulent transactions on my account, it started on XX/XX/2018. I called the bank right away to report the fraud, hoping that they will stop eight transactions made on XX/XX/XXXX which still on pending. She told me it takes ten business days to investigate the problem, so I wait. To my surprise, a few days later I see that the bank had let all the pending transactions went through regardless of my report fraud on XX/XX/XXXX. This problem happened to my husband 's debit card which he does not know if he has one, because I am the one who take care of banking matter, and we never use debit card to purchase anything from anyone. There is no one knows my husband 's debit card number, not even us but the bank, that makes me think whoever issue this debit card might cause this terrible thing to us. In six different date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The thief had made 24 fraudulent transactions, which some of them happened on the same day at the same place with a large amount of money. I don't see how the bank can overlook many suspicious signs like these?
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (CA)

PNC bank -- -my account ending XXXX : The bank mailed a postcard to my home address around XXXX 2022, offering a {$400.00} bonus for the deposit of {$5000.00} and maintaining a balance of {$5000.00} for 60 days, at the end of 90 days the deposit would be added to the account. I opened one account, my wife one and my daughter one. 
XXXX XXXX XXXX XXXX XXXX XXXX I spoke to two different clerks, one an XXXX female, whom never mentioned a direct deposit or a form was given to us. We never got a reminder in the mail of a direct deposit. The card in the mailed never mentioned a direct deposit. 
This is a " bait ans switch ''. The XXXX California Branch told my daughter that " the offer has expired '', just to get rid of her. XXXX XXXX opened her account in the XXXX Ca branch. This bank needs to be investigated, for the dubious treatment and poor business practices. They used up clients money to lend out.
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. (NY)

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2018-05-25
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: Coastal Credit, LLC (GA)

credit inquiry, unauthorized on showing on credit report XX/XX/2018, called and sent in a certified letter to ask for verifiable authorization for running my credit report. I did not authorize any type of company
Consumer complaint received 2018-05-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (PA)

On XX/XX/XXXX, CHECK # XXXX {$210.00} was withdrawed from my checking account and I was charged a overdraft fee of {$36.00} I have contacted PNC bank to waive this fee as a courtesy credit, and they have refused saying that I'm not eligible. 

Here is the Reference number : XXXX I asked to be transferred to a supervisor/manager, and they said they would call back. After contacting the manager, they were saying that I'm not eligible. 

I asked, what is your eligibility for issuing courtesy refunds? and they said " we don't have one ''. 
I'm very confused that they don't have a policy that defines the terms. They were being passive aggressive about answering this question. They said I received 2 courtesy refunds in XX/XX/XXXX, and that they can not issue one for me now. I have been a loyal customer for at least 12 years, and they are actually refusing to reverse this fee. 

I think it is unfair that they can do whatever they want without any clear policies. They are not transparent about their practices. 

I think this is more than my concern for {$36.00}, actually banks should have clear policies about these things. I'm sure this fee applies to many Americans who are not financially doing well. This is one of the issues I think that affects the poor and that's why there is no clear policy!!!!!
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

On my Equifax credit report, under my XXXX XXXX XXXX  account. Incorrect remarks were added with a false statement that was not reported by me. It seems that XXXX XXXX XXXX  placed these inaccurate remarks, which caused my credit score to be severally affected. I did not open a dispute regarding my XXXX XXXX XXXX  account balance being Paid In Full in XX/XX/2022 with Equifax. I did not have any problems with the fixed rate. This seems unfair and severe to deduct some many points for an incorrect Remark.
Consumer complaint received 2021-07-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo did nothing to resolve complaint XXXX-XXXX  Wells Fargo has had several opportunities to bring my account up to date and they have refused to do so. They simply explain what happened, and then they tell me they transferred my mortgage to another bank. They have yet to offer a resolution, but simply an explanation of what happened. They received documents establishing a partial claims promissory FHA HUD1 note on XXXX XXXX and were supposed to apply the funds from that note to my loan. They didn't apply those funds, and on XX/XX/XXXX they transferred my mortgage to XXXX XXXX. XXXX. As it is now I owe the money for this note at the end of my mortgage, and Wells Fargo has yet to apply those funds to my mortgage which is what they are bound to do by the documents of this note. This has been going on since XXXX and I have made several attempts to get them to post the money from the Partial Claims note to my mortgage and they refuse to do so while telling me they transferred my mortgage.
Consumer complaint received 2021-07-13
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (MD)

I contacted Barclays credit card company in XX/XX/XXXX to dispute a charge in the amount of {$1100.00} that I made to XXXX XXXX. I contacted Barclays because XXXX XXXX  was not responding to my repeated emails to cancel a trip to XXXX that I booked XX/XX/XXXX. I wrote a letter to Barclays explaining that I wanted to dispute the charge because the merchant wasn't responding to me. Barclays acknowledged my letter on XX/XX/XXXX advising they would investigate and the investigation could take 45 days. On XX/XX/XXXX, I received a letter from Barclays stating they needed more information and could not reach me so my case had been closed. They had my cell phone number and I never received a phone call from them. The letter also stated I could reopen the case which I did. I called to find out what additional information they needed. I was told they needed proof that I tried to contact the merchant. I mailed copies of the emails I sent to XXXX XXXX  on XX/XX/XXXX and verified with their rep, Froi that the documentation was received on XX/XX/XXXX. I called Barclays again on XX/XX/XXXX and spoke to XXXX who told me they were still working on the dispute. On XX/XX/XXXX, I received a letter from Barclays stating they could not help me because " we are outside the permitted timeframes to continue this claim through the dispute process ''. The problem with that statement is, " we were outside the timeframes '' on XX/XX/XXXX when Barclays first acknowledged they were working on the dispute. If I had been told that in the beginning, I would have gone back to the merchant and tried again even though I have no confidence that would have changed anything. After XX/XX/XXXX, the opportunity for me to get any kind of refund from XXXX XXXX  had passed. Barclays ' advice in the letter on XX/XX/XXXX was to contact the merchant because they could not assist me any further. Second problem : I advised Barclays in the beginning that I was disputing the charge because I had been unsuccessful at working with the merchant. I'm filing this complaint because two of my friends booked the same trip at the same time and were given credits through their credit card issuers, XXXX XXXX  and XXXX XXXX. I want other consumers to know there are a lot of card companies out there and they should not use Barclays. I have been a customer since XX/XX/XXXX and I expected more.
Consumer complaint received 2023-03-28
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. (FL)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward to the immediate update or correction of the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Early Warning Services, LLC (NV)

XX/XX/2024 - I, XXXX XXXX requested to opt out of Early Warning data collection and sharing services. https : //www.earlywarning.com/ & Early Warning Services , LLC refused to remove me and delete all data collected on me.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXate of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2018-05-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (LA)

I applied for a Home Depot credit card had a XXXX dollar limit they deleated my credit card And they closed my account cause the representative say it was not used in a yr I spoke with her XX/XX/2018. I called to ask them for a reconsideration cause I was gon na use the card to make repairs on my roof. She said she was sorry but the account is closed
Consumer complaint received 2022-07-27
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. (NY)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law
Consumer complaint received 2022-03-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NC)

My personal identification information was obtained by a fraudulent actor who opened an account in my name at the TD Bank and they did not notify me until they already opened an account. I want to ensure that TD Bank has adequately protected my information from additional fraudulent activity and that the fraudulent account opened in my name has already been closed
Consumer complaint received 2022-02-16
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. (FL)

I started disputing an account that is on my credit report that is not accurate. There were mechanical problems with the car and when I took it back to the dealership to get it fixed, I went back a few days later and the dealership was closed up and gone! It's now another company and no idea where the car went that I had taken for repair. I should not be penalized for a dealership going out of business and taking my car with them!
Consumer complaint received 2022-02-16
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. (FL)

I started disputing an account that is on my credit report that is not accurate. There were mechanical problems with the car and when I took it back to the dealership to get it fixed, I went back a few days later and the dealership was closed up and gone! It's now another company and no idea where the car went that I had taken for repair. I should not be penalized for a dealership going out of business and taking my car with them!
Consumer complaint received 2018-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Portfolio Services, Inc. (LA)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.