davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Franklin Collection Service, Inc. (TX)

" XXXX_ XXXX '' continues to report inaccuracies about past debtors and/or fraudelent creditor collectors on each credit report. My credit score remains drastically low. I had disputed many erroneous credit items including personal information such as name/address/telephone numbers via telephone. Now, there are these follow-up mailed documents from other third party collectors on bearing of XXXX XXXX namely, " FRANKLIN COLLECTION SERVICE, INC. among the multiple debtors whom I had previously disputed via FTC/FRCA. 

" XXXX XXXX XXXX  '' " XXXX XXXX XXXX XXXX XXXX '' is another creditor whom I have been issued a unsecured card ; now appearing as a secure card. However, this credit solutions agent if XXXX XXXX is committing fraud. The scam is that while my card remains open ; it accumulates a " monthly late fee '' without any activities and I must pay that outstanding balance to remain in good standing. My last payment on a blocked card was on XX/XX/XXXX and my account was {$0.00}. In XX/XX/XXXX, I reactivated a new replacement card ; only to be faced with a balance of {$180.00} which includes next cycle of late fees. I have made a full payment of {$180.00} on XX/XX/XXXX. 


" XXXX XXXX XXXX '' has been erroneously listing my account status as ND=NO DATA and OK since the year XX/XX/XXXX. I had completed payment of my student loans and this account was closed in XX/XX/XXXX following a full year in good standing. I had contacted student consolidation loan center " XXXX '' and spoke with a manager in XXXX, NY on last year ( XX/XX/XXXX ) requesting that they should he should follow through on reporting the correct CLOSED date. He had not done so and XXXX reflects payment history and CLS=closure in XX/XX/XXXX as a result. I had not been utilizing education services with XXXX as of XX/XX/XXXX.
Consumer complaint received 2017-06-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (TX)

I received a voice mail from Commenity Bank on  XXXX / XXXX / 2017  at my work phone number. I was given the number  XXXX  and ext #  XXXX . The man who left the message said he was calling from Commenity Bank and he was calling my work phone number because it was the only number he has to reach me. This is not true and he could also contact me by mail. I 've been told they have called my place of work repeatedly. They have a cell phone number for me and they have called it as well. I 'm only complaining about the phone calls they are making to my place of employment. I have never given them my place of employments phone number or even told them my place of employment.
Consumer complaint received 2022-02-17
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. (TN)

My name is XXXX XXXX. I am filing a complaint against XXXX XXXX. Their address is XXXX XXXX XXXX, XXXX, Tennessee XXXX. # XXXX XXXX XXXX, manager name is XXXX XXXX. On XX/XX/2021, I entered into a contract with XXXX XXXX for a washer and dryer. I was later advised by my credit counselor to pay off this contract in 90 days. On XX/XX/2021 I made my first payment in the amount of {$110.00}, with a live person on the phone. I made the second payment using the automated system. That payment posted XX/XX/2021 in the amount of {$110.00}. The final payment in the amount of {$950.00} was also made through the automated system XX/XX/2021. I received a phone call from XXXX XXXX XX/XX/2021. I spoke with XXXX in the billing department who informed me that my account, that I thought I had paid in full, is now 3 months behind and they needed a payment. After going over the accounting with her we learn that they took the money that was to be applied to the washer and dryer and applied it to an account that was over 15 years old. This so-called forgotten account did not show up on the credit report. If so my financial advisor would have seen it and advise me to take care of it. I have been paying a company over the past several months to repair my credit. Prior to the unprofessional conduct from XXXX XXXX my credit score has gone up. Because of the action from XXXX XXXX it's now going to delay my timing for a purchase of home and automobile. Two of the credit bureaus are now less than XXXX and the other is less than XXXX. I never enter into any contract agreement stating that funds from one purchase can be use towards another purchase. They never contacted me to inform me they were going to take the funds to satisfy an old forgotten account that they already received credit for. What we are seeking is, credit showing that the washer and dryer is paid in full with no delinquent marks on my credit and secondly I am seeking Financial restitution for the Damage to my credit score. My name is spelled XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, Tennessee XXXX. Thank you for your assistance.
Consumer complaint received 2018-10-25
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. (VA)

They have refused to supply me with the following information to validate a public record on my credit report, such as : I sent your company my dispute on multiple occasions, the last being XX/XX/2018, which you received and investigated on. I have reason to believe that you did not do a thorough investigation. Therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor ( Not a third party ) 2. The contact information for the creditor ( Not a third party ) 3. The name of the person who verified the item to you ( Not a third party ) 4. The method of communication you used to verify this information ( Not a third party ) 5. Did the creditor provide you with my SSN, address, and Date of Birth?

6. My signature and what type of documented consent that the credit furnisher has that I gave them to release my information to you.
Consumer complaint received 2023-03-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2022-03-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Collection Systems, Inc. (WY)

I was working with American Collection Systems , Inc up until XXXX of XXXX which is when I lost my job and had spoke with them to let them know. They then told me to get back in touch with them when I got another job, which I just recently got a new job. Then I guess they contacted the Circuit Court here in XXXX, Wyoming back in XX/XX/XXXX to get a Writ of Garnishment, which was granted them on that day. However, I was not sent this paperwork for a month and a day XX/XX/XXXX after they had gotten the Writ. I didn't receive the paperwork in the mail until XX/XX/XXXX and it wasn't mail certified mail, nor was it served upon me by a sheriff. They took every penny of money I had in my account on XX/XX/XXXX, the day they mailed the writ. I contacted them on the XXXX of XXXX to find out what was going on and was told they did this because I didn't contact them every month after XXXX to let them know I still didn't have a job. Again, though I was told to contact them when I got a job not that I had to call them every month to tell them the same thing. Also, I have another creditor that is already garnishing out of my account at this time. Also, when I spoke to them on the XXXX I was told that my balance was {$30000.00}, but on the Writ it states {$17000.00}. And last year it was supposedly {$19000.00}. So their numbers aren't adding up.
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

On XX/XX/2022, I requested via mail my Free Annual Credit Report. Instead, I get a post card notifying me that they are unable to provide me my credit report, but there is no identification information as too whom it is from. The other post card states practically the same thing but identifies itself as XXXX XXXX. This appears to be an attempt to deceive or at the very least mislead consumers as it violates the FCRA by delaying my credit report or simply in order to discourage me from obtaining the report, much less attempting to resolve errors contained in them. I've verified the address my creditors and it is the very same one I am requesting my Report be sent. Their attempt to extort information is simply data mining from consumers by holding hostage their credit report.
Consumer complaint received 2019-05-09
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NJ)

Hi, i bought a house last year and i decided to apply for a home depot line of credit due to a major remodeling i was doing in my house. When i spoke to clerk in charge of the store 's customer service department, i told them what i needed, which was a credit line in which i could get all the materials in a matter of 2 weeks or 3 weeks. Based on my needs they recommend a " project loan '' which had a set interest rate ( 7.99 % ) for a period of 72 months for the amount i requested ( it was XXXX ). Because of my credit history i got a approved right away, they gave me a slip with the amount approved and my account number so i could purchase all the materials and i could take home. 
After about a month or so i used all my credit line ( which i planned from the beginning ) but the bills started coming with different rates, promotions for some purchases which were going to finish in 24 months, some in 12 months. I went back to Home Depot to ask the manager on what is going on and they were sending me back to call credit service ; then i called credit services y then they sent me back to home depot store. 
I called credit services one final time and i took my complaint to the highest rank in the chain and they told me that there is nothing they can do because it was the customer service clerk that sign me up for a store credit card but no for the project loan which had a different interest rate. 
i dont know where to go, who to complain. They basically are " washing their hands '' on the issue that a clerk from the store signed me up for the wrong credit line, they claimed i acknowledged it because i was continue paying my bills ( my husband was paying the bills at the time before leaving for XXXX and i did not realize i was put in the incorrect credit line for months ) and even after explaining this to the credit services, they took sides with the store clerk instead of taking my word. They just told me theres nothing they could do about it. 
I am stock paying ( i would like to stop paying them but it would ruin my credit history which has been implacable ) bills i did not signed up for.
Consumer complaint received 2022-03-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

XXXX of 2019 I began the refinance process with Wells Fargo. 3 months into the process even after paying for and complementing the appraisal of the subject property I was denied the loan. I expressed my frustration and concern that I was being discriminated against as a XXXX man. I later moved on with another lender and closed within 30 days.. 
I believe I fall into the class action against Wells Fargo.
Consumer complaint received 2022-03-12
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. (MT)

XX/XX/XXXX, XX/XX/XXXX Experian mailed me a letter stating the investigation was complete dated both dates respectively. After two attempts to have this debt verified or deleted and there still being errors I am reaching out for help. Please help.
Consumer complaint received 2023-03-21
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. (AR)

I am submiting you this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR  XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3000.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. I can assure you that I did not open these items or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ), TransUnion shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-03-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC. (KS)

I WANT TO CLOSE THIS ACCOUNT. KEEPS CHARGING ME FOR OVERDRAFT. THE XXXX  XXXX TOOK 120 DOLLARS AND THEN I RETURNED IT BY 130 DOLLARS. I WAS CHARGED XXXX XXXX DOLLARS. PLEASE FREAKING CLOSE THIS XXXX ACCOUNT. THIS IS THE WORST BANK. I CANT CONTACT CUSTOMER SERVICE, THE MANAGER FIXED IT AND THEN DID NOT CLOSE THE BANK ACCOUNT. JUST CLOSE THE XXXX ACCOUNT. 
XXXX I DONT LIVE IN NEW YORK . I LIVE IN XXXX, KANSAS AND CURRENTLY IM OUTSIDE OF USA PHONE NUMBER XXXX
Consumer complaint received 2018-10-25
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. (IL)

the transunion credit reporting company continues to report late payment on my student loan accounts with navient, I have explained to them that the account was not in late payment status and that it is in forbearance status for the dates that are reporting as late. the company has sent this proof in written form and it is attached showing that those showing up as late were in fact covered by forbearance status. please update the record to reflect that this account is not in late payment status and that the account was never late IMMEDIATELY as this inaccurate reporting is damaging my name.
Consumer complaint received 2018-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, in the XX/XX/2018, my application to XXXX XXXX XXXX of becoming a secret shopper for stores like XXXX and etc was approved. With a series of txt messages, and they delivered me via USPS a large envelope with a {$2300.00} cashier 's check, i was instructed to deposit the check into my account at my Bank. The very next day Bank of America released the funds, and i was instructed to withdraw most of it, buy money orders, and deliver them through XXXX via next day shipping including receipt. 4 days later my Bank alerted me that my balance fell below available amount. I called the bank and they said the check was fraudulent, i asked why they released the funds the very next day of a large check that they did not recognize, and they said because of my good standing record as a banking customer, that usually they don't release funds for many days, even sometimes weeks. I requested Bank of America to open a claim number which they refused to open for me, even tho they admit that the account of the cashiers check did not exist. I did file a police report, i felt this could have been a inside job through the bank, or a false scamming job agency!
Consumer complaint received 2022-03-12
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: AMERICAN EXPRESS COMPANY (FL)

Dear sir, Recently I have applied for an American AMEX XXXX XXXX XXXX credit card from americanexpress.com. I got my new credit card and have not yet received my welcome offer. They mentioned that you would get the following benefits a {$300.00} Statement Credit and 12 months 0 % APR at the time of application. I have talked to them in this regard, but now they have denied the welcome offer because you have already been a customer with us. The terms and conditions mentioned as The welcome offer, intro APRs, and intro plan fees are not available to applicants who have or have had this Card. 
I have had a different Amex card, not the same one which I have recently received. Please help me in this regard ; otherwise, I have to pay with interest, which would be a burden for me. 

thank you
Consumer complaint received 2018-05-10
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (MA)

On XX/XX/XXXX I made a transfer of {$72.00} once I realize I call and cancel the transaction XX/XX/XXXX. once is wasn't returned with in the 7 business day. I contact them once again and they stated that it was not cancel until until XX/XX/XXXX with additional 7 business then when it was not refund by XX/XX/XXXX that the 7 business date. I contact the executive team that didn't email me back.
Consumer complaint received 2022-03-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo charged me money to withdraw the balance that existed in my account. i requested to have my account closed. Two days later my checking account showed a negative balance from a transfer that I could not have done because the existing balance was XXXX. they tried to charge me extra money from this transfer I did not request from an account that was empty
Consumer complaint received 2018-10-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX, I received an email through my school email about a job. I applied for it and then had an online interview with the company on XX/XX/XXXX. I went through with the interview and was given the job. They then sent me a check of {$1400.00} on XX/XX/XXXX for the materials that I needed and asked me to send a majority of it to the company they work with to get the materials I needed for the job at the companys discount price. I sent {$1200.00} on XX/XX/XXXX through XXXX XXXX and the total came out to be {$1300.00}. Later that day, they sent me another check for {$1900.00} and asked me to do so the same the next day. On XX/XX/XXXX, around XXXX XXXX, they asked me to send them {$1400.00} through XXXX and wanted me to buy 5 {$100.00} XXXX gift cards and that is when I realized it was a fraud. At that point, I knew the checks were going to bounce and I immediately called my bank and XXXX XXXX and told them about my situation and Chase said that they couldnt do anything because the money was sent through XXXX XXXX. I then called XXXX XXXX and they gave me a case number to give to the police. I called the police and told them everything. I had my mother go talk to the bank in person to see if there was anything they could do and they said that it is possible that I wont have to pay the {$1300.00}, but there was still a chance that I was going to have to pay it. On XX/XX/XXXX, I received a letter from chase bank saying that the issue with the {$1400.00} check was resolved, but on XX/XX/XXXX, both checks bounced and Chase refuses to pay. Chase proved that it was truly fraud, but they still wanted me to pay anyways. They were supposed to protect me and look into the checks before depositing it into my bank account. I had no idea that the checks were fraudulent. They looked like regular checks to me.
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (AR)

I had a direct deposit set up with the company I work for and my funds were split between two bank accounts and chime bank. Has claimed that there were no funds available the day of my payday and that it would be there by the end of that day. Saturday rolled around it was the. Next time I called the next time the agent informed me it would be early Monday morning. Monday morning came I checked and no funds were there. So I called and the supervisor told me that there was no direct deposit at all and no funds were sent. But it showed that the funds were sent from my employers payroll department. And it holds true because my other bank received it and it was deposited. They bother were done at the same time. I feel like they pocketed my paycheck because. Who knows why. But it is definitely fraudulent and sketchy. If you ask me. I work hard to provide for my family. The exact amount was {$910.00}
Consumer complaint received 2022-03-12
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. (MT)

XX/XX/XXXX, XX/XX/XXXX TransUnion LLC mailed me a letter stating the investigation was complete dated both dates respectively. After two attempts to have this debt verified or deleted and there still being errors I am reaching out for help. Please help.