davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (CT)

I opened a checking account with Wells Fargo around XXXX XXXX throughout the duration of the account being open the account was comprised on over XXXX occasions. All reported and investigated by the bank in my favor! In XXXX there was a check fraudulently deposited into my account for the amount of XXXX I immediately reported as soon as it came to my attention that it was fraudulent. The bank investigated but said because my debit card while the funds were in the account Im liable. Even though I did not spend the money! ( I had my own direct deposit funding my account ) My account had been compromised on numerous occasions and Wells Fargo failed to set up any type of security or prevention resulting in many fraudulent transactions on my account such as the one in question. I decided to close the account due to poor security but Wells Fargo still wanted to collect the debt on the fraudulent transaction! In XXXX the debt was cancelled but Im still deemed liable for the fraudulent transaction. I dont believe I should be deemed liable because I had no knowledge of the transaction and reported asap also complied and gave proof. I dont not feel responsible for the fraudulent transaction and would like it reviewed, resolved, and removed for any reports such as XXXX  or XXXX
Consumer complaint received 2022-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I Unauthorized inquires on my credit report. That was not authorized by me. 


Transunion XXXX XXXX XXXX XXXX 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
Consumer complaint received 2018-11-20
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. (FL)

The reason I am filing this complaint is because i tried working it out with equifax but they dont seem to help me there is two accounts reporting on my equifax report that dont belong to me XXXX and XXXX   are not reporting it only equifax i can show screen shots as proof i have been trying to dispte it for almost 3 months
Consumer complaint received 2022-07-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (FL)

I would like to open an account with TD Bank. 
I had one account before with TD Bank which was charged off and I did pay the remaining balance which was only {$17.00} I would like to see if I am able to open a TD Bank account because TD Bank ended the business relationship with me when that occur I have made financial changes to my life XXXX a day trader I mainly use TD XXXX so I would love to have my money in TD Bank XXXX TD bank customer for life Thank you very much God bless you have a great day
Consumer complaint received 2019-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

I have been disputing fraudulent information on my credit report for 3 months in a row now. I have called multiple times to inform Equifax that the information listed on my FCRA report does not belong to me, and that it needs to be removed. They have YET to remove the rest of the fraudulent information. This has violated the 605B law of the FCRA, that protects my rights. I have recently submitted documentation once again to the bureau and to the creditors to try and resolve this problem. 
Someone is benefiting from my identity, and I am the one who is being charged for these actions. 
Please remove the fraudulent information from my credit report pursuant to section 605B of the FCRA.
Consumer complaint received 2023-03-26
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)

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.

Im trying to dispute this account because Ive already contacted the company on multiple occasions the account was deleted last week and re-added this week, this makes no sense. I sent a letter to the company ON MULTIPLE OCCASIONS also I havent heard back from them they cant legally do this, I need to have this removed ASAP because of the law, THIS ACCOUNT HAS NOT BEEN VERIFIED AS ACCURATE AFTER TWO DISPUTES BEEN MADE. I WANT THIS COMPANY BLOCKED FROM ADDING INFORMATION TO MY CREDIT REPORT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 that a consumer reporting agency can not furnish an 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 or 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 2023-03-26
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. (MI)

After reviewing my consumer reports Ive noticed that I have an account reporting multiple inaccuracies on my report. There are inaccuracies in payment history.The consumer reporting agencies have assumed an important role and have a responsibility to report consumers information correctly to the best of their ability with maximum accuracy. The account is for XXXX XXXX account number XXXX. Please investigate and provide proof with statements showing that these things on my consumer report are indeed accurate. If proof cant be provided I demand that this account be deleted off of my credit report.
Consumer complaint received 2018-11-20
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (MS)

XXXX XXXX with Mr. Cooper Home Loans advised me that my FHA loan conditions were all cleared except the appraisal and that as long as our value came back okay, we would be closing our loan within 2 weeks. I paid an appraiser {$490.00} to do the appraisal, which came in higher than needed. Two weeks later I was told that due to a land lease the underwriter had changed their mind after doing a 2nd review and our lease terms were not exceptable. We weee told our only option was to change our loan terms from 30 years to 15 years or to renew our lease for 40 years, which would cost us {$1500.00} out of pocket and {$3000.00} more per year in lease payments. I asked them why they didnt figure that out before I paid for the appraisal and XXXX XXXX said it was just one of those things and he was sorry. I asked if they would refund my money for the appraisal and they said no that we sign disclosures saying we would pay wheater it closed or not. I said but you lied to me. Does that disclosure cover lies? His reply was that this out out of his control.
Consumer complaint received 2018-11-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NC)

Company : XXXX XXXX -I have two accounts with this company. 
-I have received correspondence from them in the mail - to my mailing address. -I have never received a personal phone call from this company. 

My complaint is the following : They have called my XXXX-year-old Father, ( who lives 5 hours from me, ) multiple times on his home phone. I have no idea how they accessed his phone number. I asked the Representative how they accessed his number and she wouldnt tell me. I asked if she would please stop calling him. He wasnt even aware that I had these accounts, but thanks to the repeated, multiple calls, of course he knows now and extra stress was put upon him that absolutely shouldnt have occurred. I have taken care of my accounts with a different Representative. Even though I asked the other Rep to please stop calling him, he still receives phone calls.

Here are the phone numbers, dates, and times of when this particular Comenity Bank Rep has called my Father this is from the beginning of XXXX. I dont have the current dates and times, yet. 

Dates, times, phone numbers : XX/XX/2018 XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XX/XX/2018 XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XX/XX/2018 XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XX/XX/2018 XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX As I stated, there are more dates and times to document, as he still receives calls from this company even though I have taken care of my accounts and standings. Any help anyone can provide is appreciated so much I really need this company to stop calling my Father. 

Thank you.
Consumer complaint received 2023-03-26
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. (MI)

After reviewing my consumer reports Ive noticed that I have an account reporting multiple inaccuracies on my report. The account number is XXXX and company name is XXXX XXXX there are inaccuracies in payment history.The consumer reporting agencies have assumed an important role and have a responsibility to report consumers information correctly to the best of their ability with maximum accuracy. Please investigate and provide proof with statements showing that these things on my consumer report are indeed accurate. If proof cant be provided I demand that this account be deleted off of my credit report.
Consumer complaint received 2018-11-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I have requested on numerous occasions for information about the loan listed on my report for over {$5000.00}. I believe it is not mine. I NEVER took out a line of credit. I requested information over the phone and was transferred over 6 times and still was not given an answer or proof of the loan. I am requesting documentation that has my signature, the application that I filled out, the contract, and proof that I am the actual owner.
Consumer complaint received 2022-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

We have this account for our our company for many years All of Sudden They put a block with out Reason or Notifying Us Causing a lot of damage And losses For our company like bouncing over XXXX checks when the money was in our account to pay the Checks And they just give us a run around We would like to request your help With this THANKS
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (CA)

Received pre-qual for mortgage loan. Mortgage lender used XXXX & Experian for credit. The next day I received XXXX XXXX unsolicited phone calls from other lenders wanting to know what sort of loan i was looking for.
Consumer complaint received 2023-03-26
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. (TN)

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

15 USC 1666B : A creditor may not treat a payment on a credit loan under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (NC)

1.My Chekings acct with truist was closed " shut down '' because of a " RCLM FORGED ENDORSEMENT '' by the federal reserve bank .

2. Federal reserve said a check from the irs ( TAX REFUND ) for XXXX that i deposited XX/XX/21 was forged endorsement and eventually took the XXXX away. A charge off for XXXX by the bank was send to collection and proceeded by having the accnt closed and i had to pay the charge off. 

3. why was the money taken away and why was the accnt close. I am now tagged and not able to open a bank accnt at any bank institution.

4. that was my tax refund and i need my money back that I worked for.

5. and yes i have been to IRS local office and they do not see anything wrong done by me on there side and they do not understand why it was taken.
Consumer complaint received 2019-09-04
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)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2018-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (SC)

Been with AMEX since XXXX and signed up for a XXXX XXXX AMEX credit card back in XXXX. I have been very unhappy with the credit card and the fact that the rewards certificates expire so quickly - Also, not happy with nor told about annual fee! Called AMEX and told them to cancel my account & they said ok & goodby! - There is no customer service at all with AMEX anymore - Such a shame - I want the {$95.00} fee refunded to me along with interest in the amount of {$400.00} charged to me this year - They did not notify me that my 0 % promo rate had expired and now I audit my account and find out they have been charging me interest! Obviously other AMEX cardholders find the same thing happening to them and I found out that XXXX XXXX has discontinued its relationship with AMEX effective XX/XX/XXXX.
Consumer complaint received 2022-06-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Credit Control (CA)

I have been contacted by Continental credit control in regard to outstanding balances owed.The original creditor is XXXX XXXX XXXXThere are 5 accounts total.When these accounts were transferred to Continental credit.Continental grouped them into one master account.I am trying to settle each one individually.However XXXX XXXX at extension XXXX informed me that they dont do that.I have made a few attempts to work with them.However have been unsuccessful.Since there is only one master account.I asked XXXX XXXX why 2 accounts were being reported to the credit bureaus.A solid answer could not be provided to me.I spoke to XXXX XXXX today in regard to this account.The total owed for these 5 accounts is XXXX.I asked her why 2 accounts were on my credit report since there is only one account.This is being reported inaccurately and I would like this resolved.Thankyou for your assistance.There phone number is XXXX XXXX XXXX.
Consumer complaint received 2019-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

This Capital One account is wrong, no activity for approximately two months but it was put on my credit in collections twice. Now my credit score has dropped both with XXXX and XXXX  and I need my points back the card is XXXX balance and has been for two months. Thank you in advance. XXXX XXXX
Consumer complaint received 2019-09-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2019, a XXXX transfer request was sent to an inactive account at TD Bank in the amount of {$1000.00}. The account with TD Bacnk has been inactive since XX/XX/2019 but yet the bank accepted the funds. This account was closed out and restricted in XX/XX/2019 due to fraudulent activity. On the same day, I contacted TD Bank and they informed me that since the account was restricted, it can only accept funds but not transfer it out. I don't understand how can a Financial Institution allow for such transfer of monies to occur on a closed/restricted account. 

I am requesting reimbursement of the monies mentioned above. 

Should you need additional information please feel free to contact me at XXXX.
Consumer complaint received 2019-09-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MD)

I tried buying a designer bag on XXXX and teh buyer promised me that will send the bag as soon as I sent the payment. After I sent the fee of {$350.00} the seller blocked me and dissapear. Since then I havent heard from them. I filed a claim from XXXX XXXX XXXX and they told me that they can retrieve the funds.
Consumer complaint received 2019-09-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Rosebud Economic Development Corporation (TX)

I have no knowledge of this lender or amount I am being charged for. Letter dated XX/XX/XXXX as a Notice of Judgement Enforcement Proceedings from XXXX XXXX XXXX, XXXX. Attorney at Law, XXXX XXXX XXXX XXXX # XXXX XXXX, NJ XXXX. An attempt to call and speak with someone regarding this letter was made # XXXX -did not address themselves as a law firm but " hello how my I help you ''. It appears that this company has a history of fraudulently filing suits in attempt to collect debts. I have not been presented with any documentation, signed agreement or application to provide proof of the debt.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2022-07-26
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. (NY)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX Credit Original creditor : XXXX XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX  Creditor : XXXX XXXX Acct # XXXX {$170.00} Credit Collection Original Creditor : XXXX XXXX XXXX XXXXXXXX {$210.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$1200.00}, 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 instruction
Consumer complaint received 2022-07-26
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. (NY)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Original creditor : XXXX Acct # XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Acct # XXXX {$170.00} Credit Collection Original Creditor : XXXX XXXX  # XXXX {$210.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00}, 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 instruction
Consumer complaint received 2018-11-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX I am having banking institution issues XXXX XXXX XXXX XXXX - Banking Institution Issues - On XX/XX/XXXX, they said that I reached my spending limit and didn't warn me. Money unable to be spent or moved or touched in my account until the beginning of next month. On XX/XX/XXXX, I explained to them that I needed to pay bills, rent and have a XXXX at the end of the month, yet they are saying they can't help. This bank is not supervised by the FDIC and I do not trust them.