davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-25
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. (CA)

This is my second 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, CA XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX  Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXXXXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act the creditors below, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

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 bankruptcy dismissed XXXXXXXX XXXX  XXXX bankruptcy discharged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXDEPT OF ED XXXX XXXX XXXXDEPT OF ED XXXX XXXX XXXXDEPT OF ED XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

I filed a dispute claim with Wells Fargo stating that I tried to withdraw money from a non Wells Fargo atm and the money was not given to me. The atm broke before it gave me the cash. They told me I that the other company said that the transaction went through. Which it obviously hit my bank account but I did not receive the cash. Per reg e I want that transaction of XXXX to be credited back to my account. The transaction date was XX/XX/24 which was really on XX/XX/24. They provided no proof that I did not receive the amount from the ATM.
Consumer complaint received 2022-07-26
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. (PA)

I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. It saddened me to learn that you somehow verified the disputed item, electing to leave it on my report.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation.

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

I've disputed these items several time over and continue to get ignored or passed along. This is becoming very frustrating that the Credit bureaus are just sending me verified general letters with no real investigation, and it is having a tremendous impact on my life I'm trying to resolve this matter with out taking any legal action but if this not resolved I'm left no other choice but pursue that route to get this rectified asap possible. I've repeatedly said this items are incorrect and shown the proof that they are but they some how come back verified and there is no way they are if my most recent credit report says verified and and updated and the still have the same inaccurate information in my file. Please tell me how the following items are accurate, when the balance on the account is wrong but your company continuously verifies it as accurate.
Consumer complaint received 2018-11-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Select Management Resources, LLC (TX)

XXXX XXXX and I agreed for me to make 9 payments to payoff the loan and my title would be returned. I called XXXX XXXX XXXX XX/XX/18 stating I would be paying the loan off but would like my title to be available at that time. XXXX told me the title was in a location here in XXXX so it would take 3 days to get to them. A representative from phone XXXX called to tell me the title was mailed to the location on XX/XX/18. On this phone call the representative says the Title takes 7 days to get to the location instead of 3 days. This has been more frustrating and confusing getting my Title than XXXX XXXX sending it to the DMV. I assume the Attorney agreed because she did not call to let me know. I wanted to make one trip to payoff and get title. I started calling the XXXX XXXX location on XX/XX/18 - XX/XX/18 to check if title had arrived so I could take care of everything. I received several time frames and contradictory answers for the store. Since I felt the location was holding the title until I made the payment, I decided to payoff the loan today ( XX/XX/18 ). It was an issue to make the final payment with Debit Card so XXXX called someone to get an OK for me to pay with that method. Then later told the title wasn't there
Consumer complaint received 2018-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/2018 I reported fraudulent activity on my checking account. Someone charged over 1500 dollars using my debit card. Bank of America had even flagged my account for fraud, yet they are now claiming I authorized those purchases and want to take back the amount credited to my account. The card was not stolen and yet my PIN was used, according to the bank and they did not alert me.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (NY)

I have accounts with Citibank : two checking and one savings account. Recently they have changed their rules and want to start charging me for each of these accounts. They want to charge me $ XXXX for the savings account, and various fees for the other accounts. I am a XXXX XXXX  on Social Security and this will be a hardship for me. I called Citibank and they agreed to cancel the fees for three months but it seemed likely to be reinstated at the end of three months. They want me to have direct deposit into each of these accounts. I do have direct deposit into one of the checking accounts for my Social Security payment and for when I cash in my XXXX accounts, but I then move money around as needed. I keep a fairly high aggregate balance ( right now its approximately {$13000.00} ) but apparently that is not what they want. 

I am a long time customer of Citibank. I got my first account with them XXXX years ago. I added the savings account to encourage me to save. I added the extra checking account so I could do self-employment business and not get it confused with my personal expenses. 

I think this is a lousy plan to charge for services that were provided free of charge until this month. 

I know there is a goal of eliminating unfair fees and it seems to me these fees are unfair and potentially cruel. 

Is it possible to get Citibank to eliminate these additional fees?
Consumer complaint received 2020-06-06
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. (CA)

XXXX, XXXX ACCOUNT # XXXX THIS ITEM HAS UNVERIFIED ACCOUNT. THERE HAS BEEN NO COPY OF ANY ORGINAL DOCUMENTATION THAT IS REQUIRED UNDER SECTION 609.
Consumer complaint received 2018-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (TX)

I have notice discover was reporting an fraudulent account in 2017 so while XXXX i been working on removal. discover removed account then all of a sudden they keep changing account number i contact XXXX they stated the open dates all was the same but close dated was different i have paperwork from discover stating removal and accounts all of them was fraudulent
Consumer complaint received 2018-11-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

Citi bank sent me a mail offer regarding opening a checking account and if I fulfilled certain conditions I would receive {$700.00}. As Ive previously complained about citi bank not honoring a previous offer I went to the XXXX branch and spoke to a staff member XXXX XXXX who stated that the only conditions listed on the flier were to spend a certain amount of money and to have a Qualifying bill paid from my account for 2 months. 
She checked the flier twice and confirmed that there were no other conditions listed. I read the flier 3 times including the small print of which there was a lot and then called the number on the flier before I opened an account online. 
I spoke to XXXX who told me that I had to have {$200000.00} in my account to qualify for the {$700.00} and lesser sums for the other amounts/rewards. He could not explain why the flier did not list the criteria but apologized and agreed to have my name removed again from their mailing list. This kind of false advertising is not allowed in other countries why then does citi bank keep being allowed to send out misleading offers for new accounts and sometimes credit cards.
Consumer complaint received 2018-11-20
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Commerce Home Mortgage, Inc (WA)

Our closing dates have been changed 4 times due to the incompetence of our lender. He has used many excuses and not taking the blame himself for the wrong doings in the transaction. He does not communicate and when he does he sent an email close to the end of a XXXX or towards the XXXX hour does not return phone calls to myself our real estate agent or the listing agent. 
He demanded that we XXXX  insurance due to the home being in a flood zone. We were originally going with conventional loan and 3 weeks after ... 3 days before we were set to close he changed the loan type to fha which delayed us again. 
He has costed us XXXX in feed and rent to stay were we live now, we've had to cancel 4 times to get a moving truck and to get the carpets cleanee. 
The sellers were to close on their new house on the XXXX. If hounding move in on the XXXX. It cos4s them.XXXX a day. 
He keeps.asking for documents we've already sent him, he asks for checks we've already given him. 
We had an appraisal done and I paid XXXX. And he said that its no good since we changed from.conventional to XXXX, he told us we need to get a new appraisal done for an fha loan. 
He also.told us we couldn't waive the 3 day waiting period. 
Now tonight we docs were supposed to.go.to.escrow so.we could close on the XXXX, he said state had the pain amount wrong and we couldn't sign till.wed and wed have to close on Monday of next week due to the holiday. 
It's now 5 times we've delayed closing. 
He waited till XXXX XXXX  to.send documents over to.escrow.. 

XXXX XXXX commerce home.mortgage XXXX WA
Consumer complaint received 2018-11-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

On XX/XX/XXXX a cashiers check from XXXX XXXX XXXX XXXX was sent to USAA via XXXX overnight based on the payoff letter that USAA Provided. That payment was received and processed on XX/XX/XXXX On XX/XX/XXXX USAA debited from my personal checking account an additional {$580.00} resulting in an over payment to my personal loan of over {$600.00}. 

On XX/XX/XXXX I called in to USAA and spoke with a representative. The representative indicated that there was XXXX payments that overpaid the loan and that I should receive XXXX separate refund ach credits back to my XXXX account within days. 

On XX/XX/XXXX I called to check the status of my refunds as USAA is now holding over {$600.00} of my funds, partially of which certified and holds are prohibited under federal regulation CC law. The represenative appologized for the misinformation but because I did not pay off the loan by XX/XX/XXXX the automatic payment count not be stopped. Since it could not be stopped it has to be fully processed which takes XXXX days and then another 3-4 for them to refund the money. XXXX : They are going to hold my money for nearly XXXX days before releasing it back to me. She said the only way to expedite that is if I send them in a bank statement. I told her, I do not feel comfortable with sharing my entire bank statement. That where I spend my money, what other charged I make with my checking account are not any of USAA 's business. That I would be happy to allow them to verify directly with the bank, but that I did not feel comfortable with turning over information unrelated to the USAA transactions. She said then I have to wait the 15 and XXXX days.
Consumer complaint received 2019-01-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (FL)

I sent a debt validation letter to XXXX  XXXX XXXX in regards to an account they have on my credit report. They received my letter of request via certified mail on XX/XX/XXXX. It is now XX/XX/XXXX and I still have not received any type of validation of this debt or communication in its regards.
Consumer complaint received 2018-11-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

XXXX XXXX XXXX has been told both in writing and verbally every single time that they call from multiple phone numbers from countless area codes to CEASE AND DESIST from calling me about a fraudulent debt they purchased from XXXX XXXX who violated federal law relating to the time frame required by federal law in which payments made to the account are required to be accepted ( XXXX east coast time, XXXX pacific time ) by having so many people trying to do so and freezing up their website to force payments to be made late, thereby generating fee income through fraudulent activity. 

XXXX XXXX XXXX has been told this in writing YEARS AGO and every time they call YET THEY CONTINUE TO VIOLATE FEDERAL DEBT COLLECTION LAWS AND REFUSE TO STOP HARASSING ME FOR A FRAUDULENT DEBT THAT WILL NEVER BE PAID!!! 

ENFORCE THE LAWS AND THROW THESE XXXX XXXX IN JAIL!!!
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

Reference complaint XXXX. 

I do not accept Experian 's statement of " Please understand that not every consumer is guaranteed online access to their credit report '' when I specifically requested to be informed of what issue is preventing me from obtaining my reports online. It is unacceptable that they will not provide an answer nor change their system to prevent me from obtaining my report, which now being sent via physical mail is exposing my personal information to loss or theft. 

If this issue is not resolved, I will annually be filing CFPB complaints against Experian. I may also explore legal options to force Experian to devulge the answer I am requesting.
Consumer complaint received 2023-03-25
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. (NJ)

I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate, And according to the FRCA 15 USC 1681everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXX  Account number XXXX
Consumer complaint received 2019-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

On XX/XX/2019 a credit card was opened in my name, by someone other than me! 

The card was issued by XXXX/cbna ( Shop Your Way MasterCard/Citi Bank N. America ), which is a company I have NO knowledge of. 

The card has an {$8000.00} limit with a current " balance '' of {$23.00}. 
( I have NEVER received a card from this company, there for, I could never have used it! )
Consumer complaint received 2022-07-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Case Fraud number : XXXX XXXX XXXX XXXXXXXX Fraud Case number : Claim # XXXX and Claim # XXXX I was involved ( the buyer ) in a real estate transaction where Wells Fargo called my title company and said they wouldn't release the funds to the seller because they were running a deed fraud scam and the name on the account did not match the account number. Today has marked XXXX weeks. This was not able to be recorded obviously because it was flagged as fraud. 

A wire recall was supposedly requested by XXXX XXXX XXXXXXXX as requested by Wells Fargo over 6 weeks ago. 

I cant get any information at all. The title insurance wont pay out because its fraud and Wells Fargo said theyd return the funds. XXXX XXXX XXXXXXXX won't answer any questions regarding this case either. Both are pointing the finger and saying the other bank isn't responding. 

If Wells Fargo is looking to make sure the case was fraud before returning the funds my title company sent hold harmless over two weeks ago, but also if you need proof that it is fraudulent ( and it's the first thing I noticed that the title company should have caught ) is that the notary stamp on page 6 ( below ) you can look up commission ID 's on Pennsylvania 's department of State website and can see that the name does not match the commission number. If you call the notary with this commission number ( her number is in the department of state directory ) she confirms she did not notarize this transaction. The Driver 's license provided as ID to the closer the DL number does not exist according to the records. 

I can't get any answers from anyone on this they keep telling me to speak to my bank, but my bank has said Wells Fargo and XXXX XXXX XXXXXXXX aren't responding. 


Thank you for your attention to this matter, XXXX XXXX ( XXXX XXXX XXXX XXXX )
Consumer complaint received 2022-07-26
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (OH)

I had been banking with Chase bank since 2018. On XX/XX/XXXX, my current checking account was frozen due to suspicion of fraud. I contacted chase fraud department and they informed me it was frozen due to a personal check in my name, written to myself, drawn on another account in my name. I informed them that I personally had never ordered checks for my account and the account that it was being drawn on and to be deposited to were not mine. There were multiple accounts within Chase that were opened in my name that I had not opened. Additionally, there were accounts closed and charged off in my name that I also have not opened. I have had numerous accounts recently found to be opened fraudulently in name, including bank accounts, credit card accounts and personal loans.
Consumer complaint received 2018-11-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mungo Financial Group (SD)

This company has repeatedly contacted my ex husband, his new wife, and my mother saying they are suing me. Then when I advise them I don't owe this debt, they hang up. When I try to get a proof of the debt, they simply send me a letter saying I owe so much money to a very old credit card I had. They refuse to talk to me, threaten to send people to my work, and threaten to sue me even though I have never been contacted in writing one time as but this supposed debt.