davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

In 2020 Capital One didnt send me the credit card and I never received, activated or used it. Couple of months back they charged me XXXX $ annual fee. I have already left my job in US last year and have loved to XXXX. I do not have a bank account to pay the annual fee and their representative isnt aware of any other way I can make the payment. Now given that I can not make the payment, they said they will keep accruing the charges until I ever come back to US and pay the bill using a check. Can you please look in to this and ask the bank to waive my charges of XXXX $ given the card never reached me and I was not able to use it until I was present in XXXX . I do not have my credit card number because it never reached me. My SSN ends in XXXX
Consumer complaint received 2022-10-14
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. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 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 Has violated my rights under sections 15 U.S.C 1681 section 602 A States i have a right to privacy, 15 U.S.C 1681 section 604 A 2 : it also states a consumer reporting agency can not furnish a account without my written instrutions,15U.S.C 1681c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer reports containing any of the following items of information any other averse item of information, other than records of convictions of crimes which antedates the report by more than 7 years, U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information related 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 2018-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (IL)

On XX/XX/XXXX I have opened an account responding to PNC bank {$300.00} checking account promotion. The promotion stipulated a {$5000.00} or more deposit of new funds within 60 days of account opening in form of direct deposit. As XXXX XXXX I informed the account opening person that the amount of money will be deposited in several transactions including two coming from IRS and IL state govt as well as overseas wire transfers. I was told that it will be fine. Subsequently I left on overseas work assignment which lasted from XX/XX/XXXX to XX/XX/XXXX. 
In my absence I received two notifications from the IRS dated XX/XX/XXXX stating that two attempts by the IRS to deposit the {$4200.00} refund were rejected by the bank. I also received a notice from the IL Dept of Revenue dated XX/XX/XXXX that the {$990.00} deposit was rejected as well. I confirmed the account and routing number with both IRS and IL Dept of Revenue and I was also informed by the XXXX, IL branch mgr XXXX XXXX that the account info provided was a correct one. 
Subsequently as sign of good will I attempted to deposit the check for {$4200.00} drafted on both my wife and me to my account at PNC Bank but the check was refused. First the branch employees at XXXX, IL informed me that it is a federal regulation requiring the bank to have both check beneficiaries present at the time of deposit and the deposit will be performed only upon the successful conclusion of the ID check. The check was already signed by my wife. When I responded that I know provision of both Patriot 1 and 2 Act ( as journalist I covered this legislative product quite extensively ) and the provisions do not require both depositors to be present with their ID, the branch personnel changed their story that now it is " bank 's policy '' When I asked to see that policy I was refused stating that the policy is internal and proprietary and they are not required to show it to me. 
Subsequently I contacted the PNC Bank corporate and the company still didn't explain why both of my tax returns were rejected. As far as my paper check is concerned I was told that it is again " the internal policy, '' and the bank was within its right to refuse it. 
It is my belief that the bank purposefully rejected both electronic deposits totaling {$5000.00} so the transaction threshold qualifying me for the bonus would not be met therefore the bank wouldn't have to pay the account opening bonus.
Consumer complaint received 2023-03-26
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. (CA)

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUD MY PERSONAL INFORMATION WAS USED WITHOUT MY VERBAL OR WRITTEN CONSENT OR HAVE I GRANTED WRITTEN INSTRUCTIONS TO DO SO.I WOULD LIKE ALL INCORRECT INFORMATION REPORTING ON MY CONSUMERS REPORTS AND CREDIT AGENCYS TO BE REMOVED AND DELETED PERMANENTLY AND INDEFINITELY ASAP!!! BELOW ARE THE FRAUDULENT INQUIRES : 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 2023-04-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I am the owner of a small vehicle dealership in XXXX XXXX, North Carolina ; All City Auto Sales. On XXXX, a customer came to purchase a vehicle for {$41000.00} and presented loan approval documentation from USAA Federal Savings Bank. We contacted USAA, and their representative verified the validity of the loan. USAA even stated that this customer is eligible to add a warranty onto the loan. 

On XXXX, when we contacted USAA to notify that that we had not been funded, and they indicated that they would not be moving forward with the loan. USAA stated that they could not give us any details as to why or what had changed, citing member privacy. One representative eventually acknowledged that this was due to fraud, then stated that we were not supposed to be informed of that. 

In the days following, I learned that XXXX XXXX XXXX has scammed multiple local dealerships, using USAA paperwork and under his same name.

He has been arrested and charged with a number of felonies, including ( but not limited to ) obtaining property from by false pretenses, firearms charges, uttering, and receiving stolen property. I spoke with several people representing other local car dealers ( XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX and they expressed a shared frustration with USAA for lack of transparency and cooperation each time this has happened, as well as USAA verbally validating loans over the phone, then refusing to take accountability for the financial loss incurred, leaving the auto dealer at a loss. 

On XXXX, we learned that the vehicle was being held at an impound lot due to being crashed the day after the customer took possession. We retrieved the vehicle and brought back to our lot. 

XXXX we contacted USAA and were again told that they would not be moving forward with the loan. USAA rep, XXXX, declined to share information, citing confidentiality of company policies and procedures as well as customer confidentiality. I offered to unilaterally share information that we have gathered ( we have spoken to multiple other dealerships in our area- XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) and learned that XXXX XXXX has done the same thing at those dealerships, using his same identity as well as the same USAA loan paperwork ). I told XXXX that we share a common interest with USAA in halting this person from doing this again. XXXX stated that she declined for me to give her any details regarding this situation or individual. 
I am concerned that USAAs conduct is at best, negligent, and at worst, demonstrates complicity in this scheme, by withholding key information when dealerships call to validate the loans made by XXXX XXXX XXXX. Dealerships have been left with no recourse and USAA has yet to take accountability by being evasive, rather than cooperative. To our knowledge, USAA has yet to take legal action or steps to attempt to flag XXXX XXXX in their own systems as not being eligible for a loan.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed that my personal information is incorrect. This is my second time writing you to update my personal information, Please see attached information that need to be updated.
Consumer complaint received 2019-05-04
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. (OH)

I have submitted two disputes regarding the same item on my credit report. Account Name : XXXX XXXX XXXX- Collection Account- Alleged Account Balance : {$4000.00}. Both investigations failed to provide verification as I requested per my legal rights to do so, with the final investigation results being provided today. I have no knowledge of this account or debt. Research indicates the agency is a property management company, yet the debt is clearly listed as a medical debt on my credit report. This is ILLEGAL to make misrepresentation in order to list items on a credit report!! I have submitted disputes outlining this error, lack of knowledge of this debt or whom it belongs to. TransUnion claims it belongs to me, but provides no verification in the form of any such contract indicating I owe any funds to this entity. Under Section 611 ( 5 ) ( A ) of the FCRA CRA 's are required to promptly DELETE all information which can not be verified. If this has been verified, I want the name of the person providing the verification as well as their contact information and a copy of any evidence or contract with my signature as this does not exist. I am a victim of fraud and TransUnion is not protecting me according to my legal rights as a consumer. I fully intend to seek damages through legal counsel if TransUnion does not rectify this issue by deleting this damaging item from my report immediately. The law is very clear as to civil liability and the legal remedies available to me. This is most likely a result of TransUnion 's use of automated software ( XXXX ), which has incorrectly tied me to this debt or item on my credit report.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

XXXX/XXXX/2022 - Personal information on XXXX is not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2022 - addresses XXXX XXXX XXXX, XXXX Ca XXXX
Consumer complaint received 2024-02-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: WELLS FARGO & COMPANY (CO)

I applied for the Wells Fargo credit card on XX/XX/XXXX. After the online application, Wells Fargo sent me an email saying they received my application and will contact me to tell me the application result. 

Time passed by, I waited and waited no mails or emails sent to me to let me know what happened. One day in XXXX, I received Wells Fargo 's promotion email asking me to set up digital wallet. At this time, I still didn't know what happened to my credit card application. So I called Wells Fargo and inquire about the application on XX/XX/XXXX. It turned out the address they have on the account was wrong so the card was sent to a different address. We corrected the address on the account over phone. They said they will sent me a new card at the corrected address. 

On XX/XX/XXXX, I received my credit card. I tried the XXXX code on the card to activate the card but was unsuccessful. Then on XX/XX/XXXX, I called Wells Fargo to try to activate the card. Then the customer service told me the account was closed on XX/XX/XXXX with no additional information and if I want the card I have to reapply again. I would never want to do business with Wells Fargo, and I also hope no other people would experience this. In the attachment, you can see the three email from Wells Fargo from this journey. Completely unhelpful and inadequate to inform customer about their account.

A customer applies for a credit card with Wells Fargo, with understanding that the credit score would drop with the new account & inquiry, and also would need to bare the financial responsibility if any charges was made on the card. Throughout the process, Wells Fargo was careless and inadequate when it comes to communication. When Wells Fargo sent a credit card to a customer, it does not communicate that to the customer or check in with the customer. It is particularly dangerous without over-communication, because someone could have use the card and the customer would have to bare that financial responsibility. Also, Wells Fargo blinded the customer by closing the account without communication. It's scary to think Wells Fargo never contacted the customer to let customer know a card is on its way so the customer would look out for it and report immediately if they did not receive it. It's also scary to think Wells Fargo would make a decision to close someone's account without communicating to the customer. 

Wells Fargo has lost my trust. I will not entrust any of my information or money when the company bares no responsibility on communicating with customers.
Consumer complaint received 2023-03-26
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. (ID)

I have been a customer and account holder with XXXX for roughly three and a half years. I've been with the same tool representative since I signed my contract three and a half years ago. Last year in either XXXX or XXXX my account was transferred over to a new Representatives truck without my knowledge. The representative of the new truck that my account was put on took off auto pay on my account without my permission and without informing me. So after 4 months of my account not getting charged and me not being aware of it or being made aware of it by XXXX, XXXX XXXX calls me and informs me that I owe them {$600.00} or my tools. I decided to do a voluntary repossession in XXXX. I told them that they needed to get a hold of the representative and figure out what all I needed to give back to them to clear my debt. I told them if they sent me an itemized list of all of the tools they needed from me to clear my debt I would have them assembled and I would meet their representative at a location of his choosing and give them back. I didn't hear anything from them for two and a half months. All this time that they weren't responding to my emails they were reporting to the credit bureau that I was missing payments even though the person that I spoke with on the phone it XXXX XXXX it had told me they weren't going to report it to the credit bureau because I was closing my account out and giving the tools back. I watch my credit score tank over XXXX points because this company and their employees have repeatedly fraudulently messed with my account.
Consumer complaint received 2022-07-25
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. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # 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 a account without my written instructions
Consumer complaint received 2021-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

- Mortgage loan was originally with XXXX. Extra payment was made toward principal on XX/XX/21 in the amount of {$910.00} - Servicing of mortgage loan was transferred to Nationstar Mortgage LLC d/b/a Mr. Cooper from effective XX/XX/21. At time of transfer, principal balance was {$350000.00} and escrow balance was {$2700.00}. 
- During transfer, some money went " missing '' and Mr. Cooper determined that the principal balance was {$350000.00} and escrow balance was {$99.00}. 
- I worked with Mr. Cooper and XXXX to fix the escrow problem and that has been resolved. The principal balance is still incorrect - I continued to pay my mortgage as required. However, because Mr. Cooper initially started off with the wrong balance, they applied too little to my principal and too much to my interest in XXXX and XXXX. While they now seem to be back on track, they haven't gone back and corrected those attributions, so my principal balance is higher than it should be. 
- I have sent documentation of proof of my final balance with XXXX to several account managers at Mr. Cooper, as well as having several phone calls and email exchanges since the mortgage was transferred. The last individual that I spoke with ( XX/XX/XXXX ) finally understood what had happened, but the problem still has not been fixed. My attempts to communicate are now being ignored.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion, XXXX and XXXX are all currently reporting a bankruptcy on my credit report and they have listed the data furnisher as the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX, which is false. 

I have attached a letter from this court verifying and stating they do not report individual bankruptcy case filing data to credit bureaus, nor do they update information directly to the credit bureaus. 

Transunion, XXXX and XXXX are each falsely stating this bankruptcy on my credit report and has et to remove it from my credit report.
Consumer complaint received 2023-02-10
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. (IN)

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, IN, XXXX ] RE : Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act [ 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  ] [ Dates of fraudulent transaction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : [ XXXX XXXX XXXX ] I am a victim of identity theft. The thief [ made a fraudulent transaction in my name. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me with copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic.

Please provide all records relating to the fraudulent [ transaction/account ], including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address.

[ If applicable : In addition, I authorize the law enforcement officer who is investigating my case to submit this request on my behalf and/or receive copies of these records from you. The law enforcement officers name, address and telephone number is : [ insert officer name, address and telephone ]. Please also send copies of all records to this officer. ] Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-09-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I was a victim of Idenity theft by a man named XXXX XXXX XXXX who claimed he fixes credit and had a company called XXXX @ XXXX construction he was a con man who put things in my name and never paid. He went to jail for doing this scam to many people and he may or may not be out of jail now ... He put a mortgage in my name from XXXX bank it has been removed from some credit agencys I need it removed from all
Consumer complaint received 2022-12-15
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: Bread Financial Holdings, Inc. (AR)

I have reported these hard inquiries to XXXX as fraudulent from these companies and they have not yet been removed. I did not authorize any of the following inquires and I have a police report attached showing that my identity was stolen. Please remove the following inquires from my XXXX credit report : Comenity BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX