davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-01
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. (CA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXXXXXX XXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX Balance {$0.00}XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX  XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date opened XX/XX/XXXX Balance : {$850.00}, XXXX XXXX XXXX Date XXXX XX/XX/XXXX Balance {$0.00}, XXXX XXXX I, XXXX ( Original Creditor : XXXX XXXX. ) XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00}, XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$3100.00}, and XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2022-09-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (CA)

We opened a HELOC with BBVA on XX/XX/XXXX. XXXX contractually agreed to pay the closing costs on our loan as a " special offer. '' Under the terms of the contract if we closed our loan within 2 years, we would have to pay back the closing costs as an " early closure fee '' unless we closed the loan due to the sale of the property that secured the loan ( our house ). The BBVA agent, XXXX XXXX, also assured us verbally during our closing that we would not have to pay this fee if we closed the loan due to the sale of the property. 

In XX/XX/XXXX, BBVA bank was bought by PNC Bank and PNC assumed our HELOC and the underlying contractural terms. 

We are now in contract to sell the property, scheduled to close on XX/XX/XXXX, and our escrow agent requested a demand pay off from PNC. PNC included this " early closure fee '' of {$1600.00} in the pay off amount. 

On XX/XX/XXXX, I called PNC to inform them that we do not have to pay this " early closure fee '' because the pay off and closure of the HELOC is due to the sale of the property, and, pursuant to the terms of the contract, we do not owe this {$1600.00}. PNC refused to remove this fee from the payoff amount. I explained that we are not contractually obligated to pay it and provided them the sections of the contract to review. After several hours on hold and waiting for call backs from supervisors, they still refuse to remove this fee and we can not close the sale of our property or pay off the loan without paying the {$1600.00} that we do not owe. 

I have included a copy of the contract. The relevant sections are on page 4 and in paragraph 3 of the " Addendum to the Home Equity Line of Credit Agreement. ''
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what i have found on my credit report that is not mine. 
XXXX XX/XX/2022 {$6100.00} XXXX XXXXXXXX XX/XX/2022 {$6100.00} XXXX XXXX XXXX XXXX XX/XX/2022 {$320.00} XXXX XXXX XX/XX/2022. {$320.00} XXXX XXXX XX/XX/2022. {$4500.00} XXXX XXXXXX/XX/XXXX {$650.00}
Consumer complaint received 2022-09-01
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. (MO)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2022-09-01
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. (CA)

I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what i have found on my credit report that is not mine. 
XXXX XX/XX/2022 {$6100.00} XXXXXXXX XXXXXXXX XX/XX/2022 {$6100.00} XXXX XXXX XXXX XXXX XX/XX/2022 {$320.00} XXXX XXXX XX/XX/2022. {$320.00} XXXX XXXXXXXX XX/XX/2022. {$4500.00} XXXX XXXXXX/XX/2022 {$650.00}
Consumer complaint received 2022-09-01
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. (TX)

I have 30 years of accumulated Credit in good standing that has been removed from all four credit reports without my knowledge or consent. 

Due to this omission my FICO score and actual credit rating been adversely affected. 

I should have and reflect a score of XXXX. 
This error is affecting my ability to acquire jobs and land.
Consumer complaint received 2022-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

I sold a truck on XXXX for {$13000.00} and took a personal check from a family I know well and are large farmers in my area. I have no doubt the funds are available for the check to clear but I also know banking regulations since I have worked in the banking industry for multiple years and know compliance and BSA cause that is my job. I knew the check would have a funds availability hold placed on it due to the amount the check was for. I was told at the Wells Fargo drive up that a hold would be placed on the check and the funds would be available on XXXX because of the holiday. Only {$400.00} was made available up front even though I had about half the amount of the check in my accounts already. Whatever, I didn't need the money right away but for a down payment on a new vehicle. The dealer ship was understanding and said to bring a check in on XXXX, awesome! XXXX my funds are available so I transfer money to checking from my savings to get the total for my down payment. I check my phone the morning of XXXX and have a notice from Wells Fargo that states my funds in the amount of {$13000.00} are not available and on hold till XXXX because the " signature on check was irregular. '' My account is now {$13000.00} less. I call the number supplied by Wells Fargo and am in touch with a banker who just keeps telling me my funds will not be available till the 3rd and it is on a 5 day hold. He can not answer why the money was available one day and then is taken away the next. My complaint gets elevated to another person who is sympathetic but instantly send me to the fraud department and answers none of my questions. Once I get a person on the line from the fraud department I've been on the phone for over an hour. She says she can try to see if the bank the check is from can tell her if the funds are cleared or not. The bank the funds are from, XXXX, does not participate in the program Wells Fargo uses to confirm this, XXXX? I don't know what she is referencing. The customer service rep tells me I need to have the person who wrote the check verify with his bank and get proof the funds are cleared and fax it to Wells Fargo. If that happens they will release the funds before XXXX. None of this seems correct to me and I could be in a world of trouble if I would have been writing checks to people on XXXX when my funds were available. In today 's world it does not take the full 7 days to receive funds and the funds should be released as soon as the bank receives them.
Consumer complaint received 2022-09-01
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. (NC)

When I went to the dealership to look for a car i was told the dealership would pull my credit REPORT XXXX time. I looked a my credit report it has numerous inquiries on my report. these inquiries were not authorize. This is causing tremendous damage to my report. I attached my report from the FEDERAL TRADE COMMISION. PLEASE REMOVE PROMPTLY MY RIGHTS ARE BEING BEING VIOLATED15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1681c2 - Block of information resulting from identity theft PLEASE REMOVE ALL ADDRESSES LISTED ON FTC REPORT AND NAME XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX FIN XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XX/XX/XXXX
Consumer complaint received 2022-04-14
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: EQUIFAX, INC. (NC)

I sent a letter to Equifax and XXXX XXXX regarding account # XXXX XXXX XXXX on XX/XX/2022. They are reporting a late payment on an closed account. According to the FCRA a collection is late by default and therefore can not report a late payment. They just responded with my credit report and did not update this.
Consumer complaint received 2017-09-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MN)

I have a checking account with Wells Fargo. During the entire time I had the account I had a {$300.00} bounce protection limit. They would always pay items to that amount. On XXXX a check was submitted for {$160.00} and one for {$30.00}. At this time the account had a balance of around - {$20.00}. Based on previous experience I expected these items to be paid and be charged two {$35.00} fees. The two items were rejected and submitted back as NSF. In addition to the items being returned I was charged 2 {$35.00} fees. As expected the items were reran again and submitted for payment 2 days later on XXXX. At this time the account was about - {$70.00}. Oddly enough the checks went through this time and again I was charged 2 {$35.00} fees. 

I emailed Wells Fargo through their online customer service. I asked that they refund {$70.00} worth of fees. I was responded to saying that they would not refund the fees. I responded and told them I would open a CFPB complaint and they transferred me to their Executive Office and a rep from that office took my call. Again they could n't explain to me the reason for the above scenario and refused to refund the {$70.00} in fees. I was then contacted by Wells Fargo a few days later in response to a negative balance in the checking account. I told them I was still waiting for an acceptable response to the above scenario and they transferred me to a customer service rep that again could n't fully explain and refused to refund {$70.00} in fees. 

So I am at the last resort of reaching out to you, and hopefully will prevent future customers of Wells Fargo to get the same treatment. Why can they change their rules and reject two items that would have always been paid before, charge the {$70.00} in fees, and then two days later charge another {$70.00} in fees when the items are resent and actually pay them this time when the account was even more negative then before. Why were n't they paid the first time then? Was Wells Fargo very much aware that the items would be resubmitted again a few days later and they were looking to optimize fee income? All I asked them was to refund one set of {$70.00} in fees.
Consumer complaint received 2022-04-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (NJ)

To start off. Before I applied I did call someone to go over the type of line of credit this was and the fees. However when using the product, It started adding up. I've always paid on time. I've called them recently that if it was possible to negotiate a settlement and close the account as account is too expensive for me. They said no and offered no other solutions. I then placed a review disclosing how expensive this debt is and stay clear of it. 

3 days ago or so, I receive an email stating they are changing the agreement they have with me or " amending '' a section. Stating they can cancel my account and take away my available credit if no activity within 30 days. 

I then called someone day later to confirm this and they did. I asked again if they can close this account out and settle the amount and they disagreed. I have been with them for a year. I ve made them a lot of money with little to no dent into my balance.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX XXXX  XX/XX/XXXX ) 2. ( Department of Education XX/XX/XXXX ) 3. ( XXXX XXXX XXXX XX/XX/XXXX ) 4. ( XXXX XXXX XXXX XX/XX/XXXX ) 5. ( Department of education XX/XX/XXXX ) 6. ( XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) 8. ( Department Of education XX/XX/XXXX ) 9. ( XXXX XXXX XXXX 10. ( Department Of education XX/XX/XXXX ) 11. ( XXXX XXXX XXXX XXXXXX/XX/XXXX ) 12. ( XXXX XXXX XX/XX/XXXX ) 13. ( XXXX  XXXX XXXX  XX/XX/XXXX ) 14. ( XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ) 15. ( XXXX XXXX XXXX XX/XX/XXXX XXXX 16. ( XXXX XXXX XX/XX/XXXX ) 17. ( XXXX XXXX XXXX  XX/XX/XXXX ) 18. ( XXXX XXXX XXXX XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copiestt of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2022-09-01
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. (NY)

XX/XX/XXXX Filed a dispute against XXXX bank on my XXXX credit report I have no knowledge of this they keep saying it is proven dont give me how reasons why XX/XX/XXXX Filed a dispute with XXXX about XXXX XXXX showing up on my credit report I have no knowledge of this I say it was proven that its mine and gives me no reason why but I have no idea what this says they will not remove it XX/XX/XXXX XXXX once again will not remove XXXX off my credit report I do not know who they are it is not mine or knowledge they will not remove it they keep telling me that they they found that it is mine but no other information XX/XX/XXXX Filed dispute with XXXX About XXXX XXXX XXXX my account is paid off but there was a repo on there that I have no idea about the car was never re-Poed I actually paid the car off they will not fix it or remove it from my credit report
Consumer complaint received 2022-09-01
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. (NY)

XX/XX/XXXX Filed a dispute against XXXX bank on my XXXX credit report I have no knowledge of this they keep saying it is proven dont give me how reasons why XX/XX/XXXX Filed a dispute with XXXX XXXX XXXX XXXX showing up on my credit report I have no knowledge of this I say it was proven that its mine and gives me no reason why but I have no idea what this says they will not remove it XX/XX/XXXX XXXX once again will not remove XXXX off my credit report I do not know who they are it is not mine or knowledge they will not remove it they keep telling me that they they found that it is mine but no other information XX/XX/XXXX Filed dispute with XXXX About XXXX XXXX XXXX my account is paid off but there was a repo on there that I have no idea about the car was never re-Poed I actually paid the car off they will not fix it or remove it from my credit report
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (TX)

On XX/XX/XXXX I received an email stating that I had a statement for my Avant card. Given that I had paid this acct in XXXX of XXXX I was not expecting to have a balance. Upon logging in I see that there is a charge for XXXX XXXX XXXX for the amount of XXXX made on XX/XX/XXXX. I immediately call customer service to report this. I was told that they would forward the information to the frauds department and issue a new card. On Tuesday XX/XX/XXXX I call just to check on the status as I have not seen any type of credit issued to acct to cover charge pending the conclusion of the investigation. I had to call multiple times as the agents would hang up on me. When I finally got ahold of someone they said I would need to make the minimum payment pending the investigation and that my acct would later be credited. But that makes no sense. If my acct would be at XXXX  how would they credit another XXXX dlls to it? I asked to speak to a supervisor. I was hung up again. When I called again I was told that I would need to be added to a wait list as the call waiting times were long. Next day I received an email where I was information that a supervisor tried to contact me. I immediately replied saying that no such thing had happened. Received another email stating I was placed again on the callback list. Today we are on XX/XX/XXXX XXXX central time and I have yet to receive any callback to find a resolution to this issue. This horrible company needs to be investigated.
Consumer complaint received 2022-09-01
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. (CA)

I have 6 student loan accounts that were forgiven under the Total and XXXX XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX. In XXXX, the Discharge Monitoring Process was completed and finalized. Now it appears that I have XXXX student loan accounts. The original XXXX that note late payments that were actually in forbearance, so they weren't really late because they were suspended. The six forgiven versions from Dept of Education aren't even correct- they show payments made and open - basically Experian is doing all kinds of sloppy. I've disputed online. I've called them directly. I've called Dept of Education. These original loans are from XXXX and XXXX and are fully and completely forgiven.
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/22 I transfer XXXX to a local bank on the app. 10 minutes later wells fargo put my account under montartary block on my account my account balance {$320.00} wells fargo took my debt card option away also they have a block on my account no way I can get {$320.00} they want me to go to the branch but the branch closed have to make a appointment. How I'm supposed to take XXXX out of my account when they have a block on my account can't make no transfer payments I feel I should be able to make transfer payments. My account was supposed to close last month but it's still open cause I had a negative balance