davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  XXXX Balance : {$13000.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXXXXXX XXXX Balance : {$940.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXXXXXX XXXX Balance : {$1900.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX Balance : {$720.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

XXXX XXXX XXXX Balance : {$1400.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX Balance : {$2400.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.
Consumer complaint received 2019-09-18
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I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my TransUnion credit report.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 2022-08-29
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. (AR)

Ive sent two letters prior to ALL 3 credit bureaus in regards to fraudulent accounts on my credit that I've been working to get removed and have yet to get any result sufficient for this situation. 

I would like for the reporting agencies to please investigate and remove also Update my credit report. 

The issue is that fraud should not be allowed but even more once the fraud is noticed and I've requested that these matters be investigated the bureaus are not taking the diligent approach as they did when they reported and allowed the fraud to be there. 

these are the current reporting accounts that are fraudulent and I would like removed : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XXXX XXXXXX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX ACCOUNT # XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-08-29
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. (DE)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right for privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under a open consumer credit plan as late for any reason
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right for privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under a open consumer credit plan as late for any reason
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (FL)

In XXXX of 2017 US Bank Charged off my Checking Account and reported me to XXXX XXXX US Bank reported to XXXX the reason for Charge Off was Account Abuse. 

This is incorrect. As I remember my account was charged off for over draft fees. Then US Bank Charged additional over draft fees on top of over draft fees. I attempted to correct this with US Bank bank in 2017, but they stated this is policy. 

I was aggravated with US Bank answer. I did not pursue US Bank any further at the time to correct the matter as I was caring for my XXXX mother and attempting to understand why my father XXXX XXXX XXXX in XX/XX/2017. 

i spoke with US Bank today XXXX attempting to resolve the matter. To make settlement and for US Bank to remove or correct the reason they Reported to XXXX. US Bank stated No, they would not change the reason. I advise I was contacting CFPB
Consumer complaint received 2019-02-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XXXX HSBC charge my account a monthly maintenance fee even though I maintained the required balance.

Ive had the account for years and this is the first time they charged an unauthorized monthly access fee.

The bank never notified me of any issues they may be experiencing that caused this to occur.
Consumer complaint received 2019-02-06
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (AL)

They kept calling both of my numbers after I informed them that I was not allowed to talk at work she did replied that I answer the phone so I must can talk there is no reason they should keep calling back to back and calling from private numbers back to back this is absolutely ridiculous XXXX XXXX need a new bank
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credence Resource Management, LLC (CT)

I am reporting these two companies called as : CREDENCE RESOURCE MANAGE and XXXX XXXX XXXX  for the abuse of placing on my credit report a deceiving information that I am owning some money to pay in the amount of {$2200.00} when this charges were fixed and settled by their own presidential managers 3 years ago. I used to have this account and every time when I used to go out of the country my bill was over XXXX of dollars for internationally roaming charges. Therefore, I had reported to XXXX XXXX XXXX as fraudulent action that XXXX XXXX has taken to get money from people like myself. XXXX  contacted and submitted my complaint to XXXX XXXX  and some XXXX which I dont remember his name handled this mistake since it was not my fault. I was told at the time that my account shows {$0.00} balance and will be removed any damages. However, this CREDENCE RESOURCE MANAGE do not understand it and refused to take it out of my credit report. XXXX XXXX  should have records of their mistakes and complaints from XXXX on file against them, why are they not revising that?.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (LA)

Due to XXXX XXXXXXXX 's False Preapproved deceit I hard excessive hard inquiries and inaccurate information reporting. A few i dont remember. These accounts are not consistent on 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 XXXXXXXX XXXX XXXX I can't see my XXXX yet to dispute
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (LA)

Due to XXXX XXXXXXXX 's False Preapproved deceit I hard excessive hard inquiries and inaccurate information reporting. A few i dont remember. These accounts are not consistent on 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 XXXXXXXX XXXX XXXX XXXX I can't see my XXXX yet to dispute
Consumer complaint received 2019-02-06
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: EQUIFAX, INC. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2023-01-26
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: Experian Information Solutions Inc. (PA)

XXXX sent letter to XXXX XXXX sent letter to Experian XXXX, XXXX, and Experian are all showing a Hard Inquiry from a Company XXXX XXXX for XXXX XXXX XXXX. I don't know who this entity is, and have never done any business with them, nor do Ihave no accounts with them. I sent letters executing my Consumer rights under the FCRA to XXXX, and Experian. I Have called XXXX, XXXX, and Experian multiple times asking them to please remove this from my credit report. Every time I ask them kindly on the phone to remove the inquiry they tell me its not my right to do this, and that I the consumer need to call the company reporting this and fix the problem. I do not know who this company/persons are. It is the Consumer Reporting Agency who must report accurate information. Now I have an inquiry on my report that looks like i was shopping for houses when i was never in a position to do this. I don't know how this was ever disputed found as fact correct. I feel like the Bureau 's are taking advantage of my Consumer rights when they are not protecting me, the consumer. They just take XXXX XXXX 's word. I guarantee they have not sent any contract or paperwork with my signature proving to the Agencies that this is factual.
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I took out a cash advance of {$15000.00} on my Bank of America card ending in XXXX on XX/XX/XXXX of 2022, and went online and paid it off in full ( principal, fee, and interest ), or so it said when I made the payment. What it did not tell me by text alerts that although I had 'pain the current balance ', that interest accrued for that day and a balance would remain. I received no notice of this. Months later I received a letter telling me I was over 90 day late on these interest payments which accrued AFTER being told that my account was paid in full. This has severely damaged my credit rating and Bank of America told me there was nothing they could do. My credit score which was above XXXX fell over 100 points. I spoke to XXXX today and they said to contact you, file a complaint and send them a copy. Can you please help me? Thank you, XXXX XXXX
Consumer complaint received 2019-02-06
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: WELLS FARGO & COMPANY (WI)

I disputed a transaction on XX/XX/XXXX with WELLS FARGO for the charge of {$780.00} from a merchant : XXXX XXXX XXXX XXXX. WELLS FARGO mishandled the dispute case and failed to refund the disputed claimed amount that was filed because of the poor service provided by XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, XXXX from XXXX XXXX XXXX XXXX incorrectly diagnosed and suggested that water-heater at our house needs replacement. As we have home-warranty from a company name XXXX, they covered the Water-heater cost, but XXXX XXXX XXXX XXXX ( XXXX ) said there are extra cost of {$780.00} for pipes, valves, city code charges and side items. We agreed to get the job done and pay extra cost of {$780.00}, and appointment was scheduled on XX/XX/XXXX at XXXX XXXX CT. 

On XX/XX/XXXX, XXXX ( plumber ) from XXXXXXXX XXXX XXXX XXXX   arrived at our house and replaced the water-heater, my wife signed the paper after the job completed. We thought we would get hot water that day but didn't happened. Next day, my wife called XXXX XXXX XXXX XXXX   and XXXX ( plumber ) said wait for a day and see if it works. We waited for two days and still didn't get hot water. 

On XX/XX/XXXX, XXXX ( plumber ) from XXXXXXXX XXXX XXXX XXXX came at our house, researched the water-heater and piping in the basement and find out that water-heater was not the problem. XXXX diagnosed the problem ; hot and cold water was mixing inside the basement bathroom wall due to previously installed pipes in the bathroom. XXXX, with his apologetic and sincere voice said the truth and accept the fact that first plumber XXXX misdiagnosed the problem, the water-heater didn't needed replacement. 

We did not open the wall to fix the pipes because that was a big job but XXXX was nice to put a value outside the bathroom ceiling and disconnected water supply in the basement bathroom, so the water don't get mixed and the rest of the house gets hot water, a temporary fix. 

I called XXXXXXXX XXXX XXXX XXXX and talk to the owner but he was extremely rudely said he can not help us, and screamingly hung up the call. 

I disputed the transaction of {$780.00} with WELLS FARGO and the case processor investigated the case absolutely incorrectly. I am disputing 'the poor service ' provided by XXXX XXXX XXXX XXXX, and WELLS FARGO processor disputed a case as a problem with 'merchandise ' ; and rejected the claim based on the paper work provided by XXXXXXXX XXXX XXXX XXXX that they installed the water-heater and other material. 

This is simply a poor service provided by a plumbing company XXXX XXXX XXXX XXXX, they suggested to change a water-heater that was not supposed to be replaced. According to WELLS FARGO and VISA customer agreement, WELLS FARGO should fight to get the money back from merchant as we paid for something we didn't needed.
Consumer complaint received 2021-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I Got A Letter In The Mail From Department Of State Saying I Receive {$1700.00} With Bank Of America, I Have Not Open An Account With Bank Of America, Now I Can't Receive Any Government Assistants. This Has Made My Life A Bit Harder Now With The Pandemic.
Consumer complaint received 2019-02-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

Union Bank has charged me a Loan application fee without my consent. Their claim is because I downloaded and printed the initial loan disclosures, I automatically consented to them and thus I've applied for the loan. There are many issues here. One, without being able to download/print, how can I review the initial disclosure let alone provide an electronic consent. They claim to be following federal reguation/guidelines but are unable to show me evidence of me providing consent. They even sent me a log which showed action as consented and subject as " previously consented '' which I have no idea how they reached that conclusion. The loan officer asked for my credit card to get the third party appraisal but instead, ended up charging me for Loan Application. Even in the initial disclosure, the Loan application fee is listed under Origination fees which only become valid once loan is approved. There is so much deceptive practice here that I am perplexed they are able to keep their license. Their VP of Customer Resolution Manager said I had completed an application, which was actually the application to get PRE-APPROVAL. That's the only application I completed or sent them. Yet they are claiming that I consented to their Initial disclosure but are not providing any proof beyond the print out that I have attached which again says " previously consented '' which I have no idea what it means or what its based on.
Consumer complaint received 2020-02-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (TN)

Reference # XXXX I applied in XXXX for the Home Depot card and was denied. In the denial letter the following was listed as reasons based on my XXXX   report. 
My credit score was stated to be XXXX Serious Delinquency Lack of recent bank / national revolving accounts Too few accounts paid on time Length of time accounts have been established I have reviewed my XXXX  report and XXXX XXXX score and there are multiple discrepancies in the denial and the actual information on my report. 
XXXX XXXX score shows XXXX XXXX score is XXXX I have 3 open accounts 1 auto and 2 installment loans which have all been paid on time and report as paid as agreed. I have 1 closed auto loan that shows paid as agreed. I have several installment loans that are closed also showing paid as agreed. I have had the current auto loan 2 years next month. I have attempted on several occasions to contact the company at the listed # XXXX but have been unable to be connected to a representative.
Consumer complaint received 2020-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

IC SYSTEMS is attempting to collect a debt that unverifiable and I do not recognize. I expect a cease and desist and delete all negative information reported on credit bureaus which is unverifiable and hurting my score. I have never business with this company and have no agreements with this Company.
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: WELLS FARGO & COMPANY (WA)

Came in to the XXXX XXXX hoping to open an account. Wow, I did not think banks could treat future clients so awful. I asked the teller for a sign in sheet and she told me that I should go to XXXX Wells Fargo bank. I knew right away that these people were not looking out for my best interest. 
I felt like a third class citizen. If they spat at me, it would had been expected from these people. The way the bank associate looked down at me ... made me feel like I was the scum of the earth. 
Location of Wells Fargo bank is XXXX XXXX XXXX  XXXX XXXX, Washington XXXX You know, it might not seem like XXXX Veterans have anything to do all day but wait in line. But, we have families to look after, too. 
I even asked the teller how long it would be before I could talk to a bank associate. She told me, " an hour. '' I had no problem with that.and sat down in a chair and waited 45 minutes. When a bank associate did show up, he talked to his tellers for 10 minutes and then talked the customers in line for another 5 minutes. While I was still waiting, he finally strolled over to me. He told me that he had a meeting coming up and he did not have time to deal with me. I asked to speak with the bank manager. The bank associate told me that she was busy.
Consumer complaint received 2020-02-06
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. (AR)

I am a senior citizen and I have steered clear of opening credit account for the last 10 years So each of the outdated adverse accounts are a hindering from enjoying my golden years. 

XXXX XXXX Past 7 XXXX XXXX Past 7 XXXX XXXX Past 7 XXXX XXXX Past 7 XXXX XXXX XXXX Past 7 XXXX XXXX Past 7