davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
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. (CA)

When I investigated my credit report, I realized that the new account was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2017-08-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (AL)

I have a {$50000.00} CD account with Wells Fargo. I have had this CD at the current location for 9 years. It is a 5 year CD that has already renewed once with the maturity/renewal date of XXXX. I received a letter on XXXX that my local branch of Wells Fargo is closing in XXXX XXXX. I called the branch today XXXX to see what I needed to do to close the accounts that I hold there and move them to another local bank. They informed me that I would have to pay early withdrawal fees for closing the CD that I have before the maturity date of XXXX XXXX. I asked the bank to waive this fee as they were closing the branch that I banked at. The person that I spoke with at my local Wells Fargo was very polite and friendly. She told me that she would check with management to see if that was something they could do. She called me back later today to let me know that they had received email confirmation from the main Wells Fargo Bank head quarters that they would not waive any early withdrawal fees. I then asked to speak with someone at the head office and was given this number to call ( XXXX ). I called this number and spoke with a lady that confirmed what I was told at my local bank. I am only moving my account because the branch is closing and I do not wish to drive 45 minutes to another Wells Fargo bank to do my banking when I have XXXX other local bank choices. The bank states that they are not closing Wells Fargo ( they are only closing the branch that I bank at ).  Therefore, they will not waive the early withdrawal fee. If I were moving they would not have a care in the world about me as they do not have a care in the world about moving my accounts to another bank further down the road. It seems that if they move or close then I should be happy about them taking my money with them or that I have to pay them a fee to keep my money local. Well, I am not happy about any of this. Where the XXXX did customer service go?
Consumer complaint received 2022-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AE)

Denied my rights under SCRA by XXXX of XXXX, KY. In addition to MULTIPLE violations which I called their attention to in XXXX and XXXX, the most recent one has been their inaccurate reporting to credit agencies and not informing me of any amount they believed I owed. I am a XXXX XXXX serving XXXX  for XXXX  months. I paid {$500.00} to have the auto returned to the company after getting stationed here due to the car not being able to pass inspection for XXXX driving. They never attempted to contact me or let me know any status or anything after they received the car. When I went to apply for an auto loan here on base in XXXX in XX/XX/XXXX, I discovered they had put a " Repossession Balance due '' on my Experian Credit Report for over {$6000.00}. This is entirely erroneous. I called them multiple times in order to at least start a payment for this erroneous balance due and they have never contacted me or returned my call. On other calls, they have put me on hold multiple times and then give a recording saying they are closed.
Consumer complaint received 2022-05-12
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. (VA)

In accordance with the Fair Credit Reporting act : Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX, 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.
Consumer complaint received 2019-07-14
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)

I have accounts reporting on my report that do not belong to me. I have tried to get them to remove it but they will not. 

- XXXX XXXX - {$10000.00} - Opened XX/XX/2019 2019
Consumer complaint received 2022-05-12
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. (VA)

In accordance with the Fair Credit Reporting act : Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX, 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.
Consumer complaint received 2017-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (NY)

After receiving numerous solicitations including a card for Exec. VP to get the Discover card I applied online on XX/XX/XXXX and asked me to provide all the information including copy of my driver 's license and social security card which I did. I did not apply to get more credit as I am only using 21 % of my available credit lines but they offered interest free balance transfer with no fees which attracted me to their offer. They refused because their letter stated " UNABLE TO VERIFY CREDIT REFERENCES/APPLICATION INFORMATION '' This is a total fabrication as I have verified that XXXX provided Discover with a hard copy of my credit report.
Consumer complaint received 2022-05-12
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. (VA)

In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX Account Number : XXXX, 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.
Consumer complaint received 2017-08-18
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. (WI)

I 'm not sure of the official date but around a month or two ago I filed for an investigation on my credit report due to XXXX XXXX XXXX still charging me for a car that I had brought back over a year ago. Because I did not have possession of he car, I did not pay for the car. I 'm not paying for something that I do not have. And the reason I brought the car back is because the car company gave me a different car than I ordered. I 'm not paying for something I did not buy. Eventually, XXXX XXXX XXXX found the car and notified me that they were in possession of it. I contacted Transunion wanting to dispute that claim on my credit report because it lowered my credit score and they said it was " accurate '' and I am fighting it because I should not have to suffer for a mistake that the car company made. I 'm not paying for a $ 25000+ car that I do n't own.
Consumer complaint received 2017-08-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

Two unauthorized charges on my checking account. XXXX {$160.00} and XXXX {$77.00}. I have contacted USAA on XXXX, XXXX, XXXX, XXXX and XXXX/XXXX/XXXX, and USAA refuses and/or declines to initiate a fraud investigation and restore this money to my account. I do n't know why this bank is being complicit and cooperative with this fraud, but I have exhausted all attempts to favorably resolve this with this bank. I do not believe my money is safe with this bank as the runaround and refusal to act is perplexing and unfathomable. They refuse to acknowledge, respond or take action. I have no choice but to believe this bank is being duplicitous with its customers for whatever reason ; and is somehow cooperating with the fraudsters.
Consumer complaint received 2016-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (WV)

I filed an identity theft dispute for a card w/all XXXX bureaus at the same. Included my info + FTC identity theft report. XXXX and XXXX quickly investigated and removed the card. Experian has continually lost my paperwork info/constantly closes the disputes saying the credit grantor does n't know how to contact me to discuss the identity theft when I SENT THEM PROOF OF A CERTIFIED LETTER +THE CREDITOR 'S RESPONSE TO SAID LETTER. Every time I re-open the dispute they ask for the SAME PAPERWORK I have already sent AT LEAST 3 times both via certified mail and now on their website. ( Which it took months to get it to actually work for the document uploads without giving me an error. ) Every time I call the lines are busy, and I just keep getting these mailed responses telling me to re-send all the documents I have already sent 3 or 4 times both physically and electronically. And to also reach out to the credit grantor. ( Even though I sent proof of already doing so. ) Throughout ALL of this they have not actually investigated the actual identity theft even though there 's tons of proof behind my not taking out the card. I sent them a letter explaining the situation, including the fact that some phone numbers, addresses, and employment on my report along with the card were from that very same identity theft. So of course they remove the phone numbers, addresses, and employer ( removing the evidence, but not the actual issue ) but leave the card and ask for all the paperwork I already sent yet again. 

I am so beyond done with this. There 's only so many times I can re-send information before just assuming a company is completely inept, especially given how quickly XXXX and XXXX resolved the issue. I can not believe that this company is still considered one of the " big XXXX '' credit bureaus in the United States. How laughable.
Consumer complaint received 2017-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

Hello, Below is a response I sent to, Convergent Outsourcing, on a false debt they called me about today for XXXX XXXX XXXX, which, I have never owned and have disputed this debt with XXXX XXXXXXXX XXXX since they first sent this account to a collection company over 7 years ago. 
XXXX To whom it may concern, The debt you are calling about as I explained to your agent, XXXX XXXX, today, XXXX/XXXX/XXXX, per my phone call to your number of, XXXX, has never been my debt, is not my debt and has been disputed for over 7 years! Your company is the fourth or fifth collection company that has bought a portfolio with this false account in it and I am giving you formal notice to Cease and Desist any and all collection activities to this matter with your company. If you continue to harass me with this false debt through calls to XXXX, through mailings to my home or falsely reporting it to any and all credit agencies I will pursue you with any and all legal recourse available to me. 

I have just reported your company to the CFPB with a formal complaint filed about your harassing calls and to the false file your are harassing me about. 

Good day, XXXX XXXX XXXX XXXX _____________________________________________________________________ I am tried of Convergent Outsourcings harassing calls for a debt I HAVE NEVER OWED. As in the letter I stated above, they have called my home repeatedly, when I answer, they either hang-up or it goes into a que that keeps repeating the same message with no answer. That is why I called them to end this harassment and matter. 

Your help with this matter is greatly appreciated. 

Respectfully, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TRANSUNION HAS CLOSED MY DISPUTE AND NEVER INVESTIGATED MY DISPUTE TRANSUNION INVESTIGATION RESULTS FOR XXXX XXXX XXXX OPEN DATE XX/XX/XXXX IS NOT THE ACCOUNT THAT I DISPUTED THE ACCOUNT THAT IS BEING DISPUTED IS CHASE AUTO ACCOUNT ( ... XXXX ) WITH THE OPEN DATE OF XXXX XXXX AND WAS CLOSED XXXX XXXX THIS IS WHAT MY DISPUTE ON XX/XX/XXXX I PAYED OFF MY AUTO LOAN AS AGREED THIS WAS A 72 MOUTH AUTO LOAN AND I HAVE CALLED TRANSUNION CREDIT BUREAU AND ASKED WHY HAS MY CREDIT SCORE DECREASED FROM XXXX TO XXXX THAT IS XXXX POINTS AND THIS WAS DONE BECAUSE I HAVE PAID IN FULL AS AGREE MY LAST PAYMENT FOR THIS ACCOUNT WAS ON XX/XX/XXXX NEVER HAD A PROBLEM WITH THE CREDITOR ALL PAYMENTS HAVE BEEN ON TIME, NEVER LATE FOR SOME REASON I AM BEING PENALIZED FOR PAYING AS AGREE THIS IS VERY UNFAIR I SHOULD HAVE HAD AN INCREASE AND NOT A DECREASE PAYING OFF ANY LOAN SHOULD ALWAYS BE A POSITIVE ON MY CREDIT SCORE AND NOT A NEGATIVE CREDIT SCORE I DO NOT UNDERSTAND WHY WAS MY DISPUTE NOT INVESTGATTION AND CLOSED BY TRANSUNION
Consumer complaint received 2022-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (PA)

I became very Ill with tumors and was behind in bills but as soon as I could paid them. XX/XX/XXXX I made an agreement to continental Finance company for XXXX and XXXX. I made arrangements through them. Paid through them and paid as agreed. The letters I have said they would just say settled for less than the balance Then my credit report has CHarge off in XXXX, XXXX, XXXX closed in XXXX. I paid in XXXX. I dispute it and it just bounces back. I send the letters and bounces back. I call them and say well sorry we charged it of XX/XX/XXXX and you called us XX/XX/XXXX. we wont change it ITS WRONG, unfair, underhanded. 
1. I had no idea it was charged off, I wouldnt of even received the mail.

2 it states nowhere on the letters its a charge off 3. I made the agreement XX/XX/XXXX so I should definitely not have charge offs for the months of XXXX, XXXX, XXXX. 
4.I saw a statement in there website that they strive to be transparent and fair. They were definitely not that. 
5. XX/XX/XXXX and I made an agreement XX/XX/XXXX would awfully suspicious and convenient for them. 
6.Since there was no transparency, no communication, no anything. I want the charge offs for XXXX, XXXX, XXXX, XXXX to be taken off my credit report. Very underhanded and almost spiteful. I was sick and still am. I became XXXX. Every month they continue to ding me is more time I cant try to start over. I need a little compassion.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC. (IA)

EQUAFAX CONSUMER REPORTS AGENCY LEAKED MY INFORMATION IN XXXX IN A DATA BREACH I WOULD LIKE COMPANSTION FOR MY EFFORTS TO TRY TO FIND WHO HAS USED MY CRIEDIT I DONT HAVE A CLUE WERE OR WHAT TO LOOK FOR AND THIS YEAR
Consumer complaint received 2022-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX  Account Number : XXXX, 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.
Consumer complaint received 2022-05-12
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: CarMax, Inc. (OH)

Upon checking my consumer report Im discovered an alarming amount of unknown inquirers. I have no knowledge of this inquiry and pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] I demand that I receive {$1000.00} for this blatant violation.
Consumer complaint received 2017-08-18
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. (CA)

Enclosed evidence of errors in Credit report. Wrong information regarding XXXX XXXX XXXX report, per enclosed 4 pages of evidence ; 1 ) XXXX XXXX action following a late payment dispute, was to refund to my husband and l, 100 % ONE HUNDRED PERCENT, of all late charges, XXXX refunded to us over {$4900.00}. 2 ) At no time during this dispute did XXXX XXXX apply late charges in 2016. 3 ) XXXX actions prove the dispute existed .At that XXXX were guilty of wrongful actions against their customers, which is part of the public record. . 4 ) The Credit Agency, in wrongfully showing late charges that were refunded to us, seriously harms us. We cant get a new mortgage, which is depleting our savings. Current cost to us is very substantial, over XXXX And growing by the day. 5 ) In refusing to alter the record, the Credit Agency unfairly negates our right to dispute XXXX XXXX XXXX XXXX unfair actions.
Consumer complaint received 2022-05-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

XX/XX/2022 well fargo bank was close mine that was not right by the law. They have to investigate first. 
Because XXXX XXXX send me the check book with wrong account #, i am deposit check and was return. 
i am going to well fargo bank at XXXX XXXX XXXX, XXXX XXXX, ca show them mine check book was wrong account, and the receive copy of XXXX XXXX copy i have money in that account. 
well fargo is wrong doing this to me.
Consumer complaint received 2017-08-18
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. (SC)

Transunion which is the only bureau reporting a state tax lien has not followed the new rules applied to credit bureaus. I disputed this lien several times as it does not contain my name, address, dob and social security number. Please delete asap
Consumer complaint received 2022-05-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (TX)

A company by the name of Ability Recovery Services LLC placed 4 collections on my credit report with no explanation ( aka no notices or letters ). I attempted to resolve this and still have not received any information. Which does not surprise me since I have not been to the ER in 8 years and I have great medical insurance. I recently had issues with things of this nature appearing on my credit and have had to file a complaint against XXXX & XXXX, and surprise, these are the 2 agencies reporting this false information. It seems like harassment from the credit reporting agencies as well as Ability Recovery Services LLC
Consumer complaint received 2022-05-12
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: OneMain Finance Corporation (NC)

This account does not belong to me. It was previously deleted from my credit report when found inaccurate, and has reappeared under a different collection name. This account is fraud. 

Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Account Status Unpaid Status date XXXX XXXX Name XXXX XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX This account also does not belong to me and is fraudulent. This collection was also removed, but had reappeared. My profile has been frozen and fraud alert put on it. 

ONEMAIN Account info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment
Consumer complaint received 2017-08-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX two fraudulent charges were made on my account at XXXX XXXX totaling {$110.00}. Bank of America immediately credited my account on XX/XX/XXXXfor these charges, HOWEVER they have since rescinded these credits through multiple transactions.
When I initially contacted BofA on XX/XX/XXXX I was told their system automatically debited my account as I was refunded money from XXXX XXXX, but the refunds I have received from XXXX XXXX  are not related to the two fraudulent charges. I have made no effort to recoup the fraudulent charges from XXXX XXXX.
Additional detail provided in the attached excel file.
I have contacted BofA a minimum of 4 times to resolve this error and as of XX/XX/XXXX BofA has actually debited my account for MORE than the initial fraud claim totaling {$140.00}.
The final transactions that are posted incorrectly to my account are : XX/XX/XXXX : Fraud Dispute {$38.00} XX/XX/XXXX : Accounting Error {$64.00}XX/XX/XXXX : Systom Error {$38.00}
Consumer complaint received 2022-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX  account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX account number XXXX, have 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 instructions