davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-08
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: Experian Information Solutions Inc. (AZ)

I went to XXXX, AZ XX/XX/XXXX. I was greeted by a salesman who told me that all trucks are {$5000.00} more due to Covid because I asked him why they were so expensive. He started to mention negative remarks about the other dealerships in the area. He then proceeded to explain that if he could get my personal information he could make a better deal with me. After viewing a few vehicles we went to his office and after getting my name, address, phone, he asked me for my Social Security number & Birthdate. I told him I didn't want my credit ran without writtin permission and he told me I would have to sign a paper authorizing that to be done. WE WERE VERY CLEAR! I didn't sign any authorization and walked across the street to XXXX where I found a vehicle that I liked. During the transaction, WITH MY PERMISSION, XXXX ran my credit Report and told me that XXXX had ran my credit 7 times through some type of " Clearing House ''. Because of so many Inquiries on my report XXXX XXXX XXXX has lowered my credit limit 50 % and now my credit worthiness has fallen from " Very Good '' to just " Good ''. This is all happening while I'm purchasing a Home and it's affecting my Home Loan and raising the rates. I spoke to the Principal Owner MrXXXX XXXX XXXX he was very mean to me and even threatened me. He didn't apologize nor did he offer to fix the mess. I sent a XXXX  complaint but he refuses to answer it. I reported it to XXXX but they won't inve6it nor will they help at all. This is corruption at best. I need you help. Attached you will find a email from Mr. XXXX admitting to the error with no apology or offer to help.
Consumer complaint received 2019-04-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (IA)

I had a old cell phone bill sent to this collection agency I am not sure why it was sent to them in the first place, the bill was settled with XXXX when I switched XXXX paid them the switching fees. I contacted XXXX & they have stated the account is settled and it should never have been placed into collections. I have tried to get this removed from the collection agency and they refuse to acknowledge the problem. Had they of sent me a notice required by law I would have disputed this debt. Now in the days of XXXX XXXX I notice this on my account.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX XXXX XXXX, XXXX, LA, XXXX XX/XX/year> XXXX Anything other personal information other than the above is invalid. Please remove ( XXXX XXXX ( DATE REPORTED, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX ) and any other information that is not verified by proof of ID. 
Thank you for your time, XXXX XXXX
Consumer complaint received 2020-11-08
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. (GA)

The debt that XXXX XXXX  XXXX is claiming in not a valid debt and no debts are owed XXXX XXXX XXXX XXXX 

In 2017 XXXX XXXX  a closed several accounts that had been opened for months with over drafted balances due to fees XXXX XXXX  added to the accounts. Once the account were closed XXXX XXXX  sold those debts for those accounts to multiple people. In XX/XX/2017 the FDIC sent notifications to me that XXXX XXXX  had failed and all future payments owed to XXXX XXXX  would go threw them. Months later multiple companies contacted me regarding debts owed. One of those companies was XXXX XXXX on Behalf of XXXX XXXX XXXX XXXX The date of this conversation was XX/XX/2017. I spoke to XXXX XXXX  regarding this debt several times. During my final contact with XXXX XXXX via phone I asked them for the direct contact information of the company claiming ownership of this debt. XXXX XXXX refused to provide the debt owners information. This was a direct violation of my rights under the FCRA. In accordance with the FCRA the name and contact information for anyone claiming a debt is owed must be provided. XXXX XXXX did not provide this to me at all. Because these rights were violated by a third party acting on the XXXX XXXX XXXX XXXX XXXX Any debts they claim are owned are null and void. XXXX XXXX was given a opportunity to verify the owner, the debt amount and come to a settlement. They chose not to do so and never informed XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/2020, I contacted Wells Fargo requesting the pay-off balance deducting our escrow account monies for re-finance purposes with another lender. That escrow balance would have reduced our refinanced loan by {$4000.00}. Instead, my refinanced loaned ended up costing/being {$4000.00} incremental to what we anticipated. 

The customer service agent advised me that Wells Fargo does not provide pay-off balances deducting the escrow account balance. However, that the escrow account would be reimbursed separately after the pay-off for the mortgage is received. Further, the escrow monies are not Wells Fargo, they belong to the consumers and that they do not benefit from the escrows. 

I explained to the customer service agent that I never applied for this Wells Fargo Mortgage and that the original lender ( PRMG ) had sold this loan to Wells Fargo. Therefore, I asked if she could send me a copy of the terms and conditions signed by me and the co-borrower agreeing to these terms and conditions. She advised that those terms would have been written and signed to in the original loan with XXXX and she couldn't provide. 

I asked if this was a regulatory requirement or a Wells Fargo policy and the agent responded that Wells Fargo only deducts the escrow amount from the re-financed balance if I were to refinance with Wells Fargo. 

I advised the customer services agent that Wells Fargo is benefiting from this policy/procedure against the protection of the consumers. Further, that Wells Fargo having been in the media several times with consumer violations cited by regulators, that this is another consumer violation and that I would seek legal assistance. I was referred to an executive consumer relations representative who gave no resolution and said she would send a letter which we received and is attached.
Consumer complaint received 2018-04-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (OK)

I received a letter from XXXX XXXX XXXX dated XX/XX/2018. The letter states I applied for a credit card with them for a XXXX XXXX XXXX. I did not apply for a credit card. This is a fraudulent attempt to obtain credit in my name. My credit report is suppose to be frozen and not allow this but it did. My credit report shows a high number of inquiries. I did not apply for these. I have written the companies that have attempted to fraudulently use my name to obtain credit. I have written the credit reporting agencies. It continues.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I submitted a letter to the XXXX Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX  XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX IR XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-14
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. (GA)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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
Consumer complaint received 2019-06-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (VA)

XXXX I disputed it it was taken out of my credit amount of {$620.00} I do not know where this collection amount came from never been to the office or nor do I know where it is located at my documents where missing XXXX my ID card and bank card at that time. Now they report it again on my credit.
Consumer complaint received 2017-05-28
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. (PA)

Transunion has not updated all my accounts,  XXXX   XXXX  has a balance of {$290.00} and has since been paid before due date of  XXXX / XXXX /   17  and reports on the  XXXX  of each month. I have a   XXXX   balance on the account and by reporting the high balance, this is hurting my credit utilization.  XXXX   XXXX  confirmed my statement and that they have already reported this information to the credit bureaus. Why has this not been updated on my credit file.
Consumer complaint received 2023-03-28
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: AMERICAN EXPRESS COMPANY (IL)

I have been trying to get this unauthorized Inquiry off my credit report for months. I have sent in 4 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Consumer complaint received 2019-10-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I had college checking account with Chase. I lost my debit card on XXXX XXXX and didn't notice until Monday when I got an email from Chase that a cheque was deposited in the account of XXXX dollars and few other small transactions for which I was not aware of. I immediately went to the XXXX Branch in person and report about my lost Debit Card which I didn't found in my wallet after getting the email. The didn't talk and didn't disclose anything to me without giving me an opportunity to speak and shut down my account. 

Then again I went to my local branch where I opened the account initially and got the same response. I called Chase Bank twice on Tuesday ie. XXXX and one of the representative said that I can go back and open a new account. They did open but again closed by their back office. 

I am a victim of scam as somebody hacked my account information and Chase has treated me unfairly not letting me open a new account. kindly help as Chase is not helpful at all. I am a student who recently opened an account with Chase and it was my first bank account.
Consumer complaint received 2020-11-08
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: NAVY FEDERAL CREDIT UNION (TX)

There were credit cards & checking accounts opened in my name with NFCU that were fraudulently opened. I have never had NFCU and I told them that. They keep sending me letters in the mail about a credit card payment that I dont even have or ever had!!!!! Same thing with the checking account its not mine.
Consumer complaint received 2020-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA (IL)

4 credit card accounts opened in XX/XX/XXXX-XX/XX/XXXXunder my name. Had been sold to 4 debt collection agency since. The following account are : 1. XXXX XXXX {$2300.00} / Original Creditor : First National Bank of OMAHA ( Acct # XXXX ) 2. XXXX XXXX {$4300.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) 3. XXXX XXXX XXXX, XXXX {$2800.00} / Original Creditor : XXXX XXXX XXXX ( Acct. Last Four # XXXX ) 4. XXXX XXXX XXXX XXXX {$4100.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) My personal data was stolen and I am now being sued. These are not my accounts and I have called the credit bureau but have done nothing but put my account in fraud alert in XX/XX/XXXX. I can provide my credit information to prove my character as I have paid everything on time in the past. These account were all opened at the same time. I have called the creditors and they have not done anything to help me resolve these issues. No receipts or records were provided. When these occurred, I have just graduated school and could not afford the settlement they were asking and these were fraudulent. I am now being harrased by these debt collectors after years of not hearing about it. I've done all in my power to dispute these charges and I need help. I have filed a police report. Thank you!
Consumer complaint received 2018-04-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IN)

The company is loan care, and I believe they are messing up my escrow account. I have verbally asked to have the account terminated and I was told no I have to submit in writing. I over paid escrow in 2016, i received a letter on the XX/XX/XXXX stating I need to file for another check since it was never sent to me. On the XX/XX/XXXX I faxed the info, letter said 7-10 days to process and today is the XX/XX/XXXX and still has not been processed. XXXX XXXX from the department has not returned my calls from the last two weeks and no one knows where the check is. I have called several times to no avail when I looked them up they have 100s of complaints about this very issue and customer service. They have a 1.2 rating with the better business bureau. And how has my mortgage gone from XXXX to XXXX in 3 years when my insurance is cheaper and taxes are the same? Please help me figure this horrible company out. Thank u ... XXXX XXXX
Consumer complaint received 2020-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY (TX)

Begining XX/XX/2020, someone got 3 cash advances on my bank credit card, {$500.00} each. I did not authorize it. I reported this to the bank begining XX/XX/2020. Then they somehow through the bank, sent two of the advances to my checking account, and then through XXXX, sent {$500.00} to each of two people I do not know, from my checking account. The other {$500.00} was reimbursed to me by the bank. The bank has declined to reimburse me the other 2 advances, plus the fees and interest. I authorized none of this. I was never enrolled in XXXX, and have never done or authorized any cash advances. The bank says this was done online, so perhaps my phone or computer were hacked. I do not know how anyone could do this. A police report has been filed, & a report to the FTC, & the 3 credit bureaus were given fraud alerts. In the meanwhile, I have had to pay the {$1000.00} balance on my credit card plus finance charges & fees, to keep my credit current. I did not owe any of this money. I would appreciate any help with this issue, if you can.
Consumer complaint received 2015-11-26
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Wilson, Riley & Associates (KS)

I believe that I as victim of a scam regarding this payday loan. Multiple threatening calls were made to myself and multiple members of my family including my ex husband from 20 years ago. Arrest was threatened along with a law suit. The name of the personsI spoke with are XXXX XXXX and XXXX XXXX ( not sure of the spelling ) and the comany name supposedly XXXX XXXX ( XXXX? ) XXXX XXXX. at phone no XXXX. I was asked to provide bank account or credit card information but purchased a pre paid credit card only. The money has been debited to the card as soon as the information was provided.
Consumer complaint received 2023-03-28
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: GOLDMAN SACHS BANK USA (RI)

So I have GM card with Marcus : by Goldman Sachs and I use there card rarely, however, I did have over {$750.00} worth of points I had earned over years, and I wanted to redeem {$280.00} towards a statement credit I had for a purchase of {$1300.00} I had made so I did the redemption, and they didn't redeem my credit balance, but took my points from me, I have called and gotten the run around, I saw where they used my {$280.00} rewards towards old statements from like XX/XX/2022, towards items I had already paid for, You can see on the Image attached they used my points toward previously paid items. 
Nobody has been able to assist me.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 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 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 2023-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (MA)

In mid XX/XX/XXXX, I opened and deposited more than {$75000.00} into a Citi checking account after being promised by the promotion that I will receive {$1000.00} by early XX/XX/XXXX. However, the bonus has not been received yet. 

How did I try to resolve this with them? 
I called Citi in mid XXXX to ask why I have not received the bonus yet, and was being told I would be qualified for the {$1000.00} bonus because I did all the required activities, and they would open an investigation for me, which would take 7 business days to be processed. After the 7 business days, I still have not received the bonus, so I called again on XX/XX/XXXX. This time, Citi said the information given to me that it would take 7 business days to be processed is wrong, and it would actually take 40 business days now. 

At this point, I've been manipulated by Citi, and it feels like a scam.
Consumer complaint received 2023-03-14
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. (LA)

Hello, My name is XXXX XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I'm trying to get a new home and these items will not get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions identity Theft affidavit Please delete the items as soon as possible.
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Hello, My name is XXXX XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I'm trying to get a new home and these items will not get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions identity Theft affidavit Please delete the items as soon as possible.