davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Improper use of my credit. Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-07-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (TX)

XXXX responded to my last complaint, which is posted in my CFPB file, that ALL the collections against me were being deleted.

As of today XXXX  and XXXX have done so.

EQUIFAX however, has deleted all but one.

Why is Equifax still showing the one? I suggest they do as XXXX has proffered as settlement to my complaint.

I am hoping it was just a mistake on Equifax 's part.
Consumer complaint received 2017-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC. (VA)

I had a checking account with Suntrust specifically to pay my mortgage. Roughly 4-5 months ago the local branch closed. I paid it online for a month or so then became locked out of my account. The closest branch is an hour and a half away. I was told I could pay via a XXXX number, so I did that. I recently received notice that I owed Suntrust {$68.00} and was shocked. I have never been late on my mortgage. When I called they explained because I did not use my account in two months they withdrew the {$30.00} and change I had in there for a maintenance fee which I knew nothing about. Then when it became negative due to the maintenance fee I was charged an NSF fee. This is unreal. They refuse to withdraw the charges and are threatening to send my account to collections. Suntrust Bank Account number XXXX
Consumer complaint received 2022-01-27
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: Fidelity National Information Services, Inc. (FNIS) (CA)

Someone or some companies have used my social security number to apply for multiple credit lines, loans and bank accounts causing many inquiries on my report which i did not authorize. These inquires do not belong to me ; XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX va XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX DBA XXXX ; XXXX XXXX XXXX XXXX ND XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XX/XX/XXXX XXXX credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX
Consumer complaint received 2022-01-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/22, I received a text from Wells Fargo stating there was a zelle transfer for {$3500.00} trying to process and we it me. I sent the no response and shortly received a phone call from Wells Fargo. The caller ID said Wells Fargo and the phone number was the one of the back of my debit card. So when I answered the 'representative ' told me about this transfer trying to complete from Idaho was it me. I denied the transfer and he said they were going to do a zelle transfer of all of my current funds to myself. So my account would look like it was empty. He explained this would put a block on my acct for XXXX hours so no other transfers would occur. On XX/XX/22 I checked my account and still no money but I had previously scheduled debits out so of course an overdrawn account. I called Wells Fargo and they said it's a scam and they filed the claim. I was told to call back XXXX business days later for the result and here we are XXXX business days later, and Wells Fargo is starting it was an authorized transfer and no need to give me my money back. The bank acknowledged these scams are going on, they conveniently sent out about email to customers about XXXX days after this incident happened to me to warn customers but failed to say it is not their problem.
Consumer complaint received 2021-05-13
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: WELLS FARGO & COMPANY (NY)

XX/XX/2019, WF CRD SVC reported an account to XXXX XXXX and XXXX. I requested that this account be removed from my credit report. the account was never removed from my credit report. I am asking for verification of this debt. the social security that the company has on file does not match my social security number. I haven't opened any accounts with this company. I am also having issues purchasing a home because of this account on my credit report
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I was a victim of true identity fraud for transactions totaling {$10000.00}. Fraud was resolved in my favor and the charges were reversed. Capitol one continues to have break downs in communication and as a result I closed my account with them. They reported my account as a charge off unlawfully even as the account was a fraud dispute and now one where they have paid me refunds. I filed IC3 reports as well with the FBI. Capitol one has updated this account once but then reported it again as a charge off after resolving it. There was no 1099c sent to me per law and either way a 1099c shouldnt have been sent due to fraud. Its additionally not a charge off because the charges themselves were not legitimate and they do not have a debt. My account status is paid as agreed, never late no balance, closed my consumer however its presently showing with charge off and reporting delinquency date. I am frustrated by the practices of capital one as they have been resistant to resolution within their systems and several points of contact. I have fraud liability protection on the cars and the company is presently in breach of contract with me. The rep at extension XXXX XXXX ( phone number XXXX ) can confirm there has been attempts to appropriately update the account but the updating doesnt hold. Capitol one told me they could not provide me a letter addressing the known errors because they only provide autogenerated letters. Those letters do not address the actual issues with my account and the inaccuracies they are to fix. Refunds for the fraud were apparently issued : 1 ) .20 Initially sent XX/XX/XXXX 2 ) {$4800.00} initially sent XX/XX/XXXX 2020
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My mortgage loan with Bank of America balance as of XX/XX/2022 is XXXX and is totally current with the next payment due on XXXX XXXX, 2022. XXXX shows a loan balance of {$160000.00}, which is {$3800.00} higher than the current balance. This caused my XXXX score to fall XXXX points ( it should have been XXXX points ), from XXXX to XXXX overnight at Bank of America and XXXX points at XXXX XXXX XXXX. XXXX was the one that advised me of my drop. 

I contacted XXXX as per their instructions and the told me that it was a Bank of America issue and that I should contact them. I tried doing so but no living person answers my calls or messages. Bank f America shows a drop of XXXX points ( sic ) and XXXX shows XXXX, which is not deserved but at at least they can add and subtract correctly. 

I am considering terminating my relationship with Bank of America because : 1. They make many mistakes, which you will be able to see in my previous complaint to you and, 2. It is impossible to get them to answer a call or message. 

PLEASE! HELP!!!!!!!!!!!!!
Consumer complaint received 2022-04-11
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: Novea Portfolio Management LLC (CA)

I have previously requested that an item on my credit report listed under XXXX be investigated. In my CFPB Complaint ID # XXXX submitted XX/XX/2022, I stated that I had not received a response from your company with the results of my investigation requesting to verify the accuracy of this account. 

Your response to me was dated XX/XX/2022 and you stated : -Per your previous request to conduct a reinvestigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. 

-If you question the results of our dispute process, you may also contact the furnisher of information directly. 

I did as you told me, and I submitted a complaint to XXXX on XX/XX/2022 CFPB Complaint ID # XXXX. In their response, XXXX stated that any further questions or concerns regarding the loan should be referred to Buyers Holdings , LLC. 

I then filed a complaint against Buyers Holdings , LLC on XX/XX/2022 CFPB Complaint ID # XXXX and Buyers Holdings , LLC stated they have not reported any trade line with any bureau pertaining to the complainant and encouraged me to resolve the matter directly with the Credit Bureau and the Financial Institution that has " allegedly '' filed the trade line.
Consumer complaint received 2021-05-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I want to contact someone at your company to let you know that I mailed a letter to XXXX, Transunion, XXXX, XXXX, XXXX, and XXXX XXXX about the validity of this Bankruptcy that you have listed on my Credit Reports. I mailed this letter on XX/XX/2021 and not one of the 5 companies have sent any corresponding letters. I recently challenged the same account on the other Credit Bureaus and they came back stating that they have verified this account. I have went to the courthouse and they have also stated that THEY DO NOT VERIFY THIS INFORMATION TO ANY 3RD PARTY CREDIT BUREAUS OR AGENICIES. Please send me whatever documents of information you have personally used to verify this alleged Bankruptcy, immediately.
Consumer complaint received 2022-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (FL)

On XXXX XXXX, 2022, I opened a Walgreens/ Synchrony credit card ( XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX with the promise of getting {$500.00} to use immediately when I am approved and when the virtual card was scanned. I was told after the physical card comes in the mail, I would have a XXXX dollar limit. I tried to make an {$83.00} purchase in Walgreens and the bar code would not scan. After several failed attempts, I had to cancel my purchases. I called customer service and was informed that the upfront {$500.00} limit feature did not work ; no further explanation was given. I threatened to cut up the card because I needed the purchase that day- the hurricane was coming.
Consumer complaint received 2022-01-27
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. (FL)

My mortgage loan with XXXX XXXX XXXX XXXX as of XX/XX/2022 is XXXX and is totally current with the next payment due on XXXX XXXX, 2022. Experian shows a loan balance of {$160000.00}, which is {$3800.00} higher than the current balance. This caused my FICO score to fall XXXX points ( it should have been XXXX points ), from XXXX to XXXX overnight aXXXX XXXX  XXXX XXXX and XXXX points at XXXX XXXX XXXX. XXXX was the one that advised me of my drop. 

I contacted XXXX as per their instructions and the told me that it was a XXXX XXXXXXXX XXXX issue and that I should contact them. I tried doing so but no living person answers my calls or messages. XXXX  XXXX XXXX shows a drop of XXXX points ( sic ) and XXXX shows XXXX, which is not deserved but at at least they can add and subtract correctly. 

I am considering terminating my relationship with XXXX  XXXX XXXX because : 1. They make many mistakes, which you will be able to see in my previous complaint to you and, 2. It is impossible to get them to answer a call or message. 

PLEASE! HELP!!!!!!!!!!!!!
Consumer complaint received 2021-05-17
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: National Credit Adjusters, LLC (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... NATIONAL CREDIT ADJUST XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-01-27
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: NAVY FEDERAL CREDIT UNION (SC)

In XX/XX/2021 I deposited a money order in the amount of {$490.00} into my business account at Navy Federal Credit Union in XXXX, SC. XX/XX/2021, I received a letter from navy federal saying my money order was returned. I then called XXXX XXXX to see what the problem was. XXXX XXXX told me my money order was cashed because I deposited into my account already. I was charged an overdraft fee because of it as well. Navy federal keeps responding with refer to make and when I do nothing is being done. I am getting very frustrated.
Consumer complaint received 2022-01-27
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (TX)

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 
This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXX, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted. 


The FCRA ( federal law ) says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries. And when I challenge these inquiries, it's called opening a dispute. The company pulling the consumer credit must provide documented proof, for example a document with my signature on it, that I authorized and provided consent for the hard inquiry. If your company fail to provide this documentation, then XXXX, XXXX, and XXXX must remove these inquiries from my credit report.
Consumer complaint received 2022-09-28
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 FCRA the following creditors : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C. 1681a further states : ( 2 ) Exclusions.

Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The term " consumer report within the statue is defined as " In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

Within the statue the term " person '' is defined as ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
Consumer complaint received 2019-07-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

So, 1st I applied for a pre-approval for property XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. I was pre-approved for XXXX. Then the loan officer, XXXX XXXX & I finally spoke in regards to my pay stubs & W2 forms which I provided via downloan on the Wells Fargo website. I was first told by Mr , XXXX XXXX that I needed to show paystubs for XXXX positions I had done the last 2 years at least. The application process was moving along. Next moment I knew, I was being discouraged from keeping the loan application open until being able to show proof of additional income via my XXXX  XXXX. I became susicious that " politics '' was being done against my mortgage application by having my loan officer, Mr , XXXX threaten or some thing ... He begin responding differently to me in phone conversations then before. One conversations he stressed that he didn ; t know why I wanted to keep the application open. The next phone conversation, he didn't want me to close it ... 
Anyway, I did another mortgage loan application for a pre-approval, adding my XXXX year old daughter on it. By this time, Mr. XXXX XXXX seems as if he couldn't wait to get out of being my loan officer for whatever was going on or coming against him ... The next loan officer had hurry to send our application to the underwriter without having even heard from either my daughter or me! He reported to me once I finally got in touch with him that my daughter 's credit score was too low or that she owed things. When I asked him why he hurried to send the application to the underwriter after stating to me on a recorded phone line that he didn't think it would be approved due to my daughter 's low credit score, he stated that it was the process despite my former loan offixer having left my application open for almost 2 weeks or so. 
Now I am receiving letters from two different addresses for Wells Fargo Home Mortgage Departments, stating that they are still investigating this based on a survey I did in regards to this. One letter from Wells Fargo Home Mortgage, XXXX XXXX   XXXX XXXX, XXXX XXXX, IA XXXX is still stating that the application is still being investigated while otherletters from, ( what looks like a frauded logo of Wells Fargo, showing lack of coloring of the original burgandy-like & gray coloring by only being all grayish coloring ), is stating that the investigation was already determined as of XX/XX/2019. That nothing suspicious or wrong was done ... Which one is it? This letter also is using an incorrect property address which is showing as : XXXX, PA XXXX. ( I am unsure if it's a fill-in proeprty address, but, it's not the property I want. ) My application date was originally for XX/XX/2019, I believe. This is what's happening with this. The 2nd home mortgage application was pre-approved for {$160000.00} with my daughter & me. It seeems that someone ( s ) is trying to slow down our loan application process. 
The app
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Received emails from Capital One concerning an account I do not have with them, as I have no accounts with them at all. One stated that my phone number had changed on the account, which, again, I have never opened. Another asked for my personal information ( ID cards, etc ) to finish processing the opening of the account. I will be calling them when they open direct phone lines, however this still needs to be reported as it shows a lack of security on Capital Ones part.
Consumer complaint received 2022-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My identity may have been used by someone else to open fraudulent accounts. This has resulted in the following ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am seeking to have the potential FRAUDULENT information removed from my credit reports. attached below was sent to the credit bureaus months ago, documentation supporting my claims. The credit bureaus are still reporting the potential FRAUDULENT items.