davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/2020, I opened a checking account with Wells Fargo. As a condition of opening this account, I was eligible to receive a {$400.00} bonus if I received {$4000.00} in direct deposits for three consecutive months. On Wednesday, XX/XX/2020, I reached that objective, and decided to wait an extra month because the fine print it says it can take an extra 30days for the bonus to show up in your account. I waited and still haven't received the bonus so on Thursday, XX/XX/2020 I called Wells Fargo to inquire about when I would receive the {$400.00} bonus. The supervisor rep I spoke to said I definitely qualified for the business after looking at my account, but due to the covid-19 the bonus has been delayed up to 45days rather than 30days. So she told me I should receive the {$400.00} bonus XX/XX/XXXX. XX/XX/XXXX has arrived and I still haven't received the bonus so I called back and and a customer service rep said I didn't qualify for the bonus because I didn't make the correct deposit and so after hearing that I was so upset because the supervisor I spoke to said I did indeed make the {$4000.00} deposit which made me qualify for the bonus. I told the woman on the phone to please listen to the recorded call so you can hear that your own supervisor told me I qualified. So we did an whole investigation that took two weeks and on Tuesday, XX/XX/2020 the final results was XXXX XXXX Wells Fargo Executive explaining to me that I was correct about her telling me that I did qualify for the business after him listening to the call but I still didn't make the right deposit so therefore I can't receive the bonus. I was so distraught because my money was on hold for 4months during this pandemic and to be told I won't get the bonus after I was told that I would was a kick in the face. I was misinformed and all he said was " it seem she didn't even look at your account. '' how unprofessional is that, they deserve to do the right thing. This is not a time for them to be fooling around with money for any customer.
Consumer complaint received 2018-04-16
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. (VA)

I have a account a medical bill on my credit report that services was giving to and they have me as responsible for someone that I dont even know .. This account does not belong to me and I dont know who the other person that the services was giving to but I need this removed from my credit report cause this account does not belong to me and I am not held responsible
Consumer complaint received 2022-02-18
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: Westlake Services, LLC (GA)

Unfamiliar and unauthorized inquiries on my file. I have made attempts to contact creditor. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-28
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: CITIBANK, N.A. (TX)

On or about XX/XX/XXXX I reached out to XXXX XXXX XXXX XXXX via XXXX requesting pricing to install pavers in my back yard. 

We agreed to the terms, see attached As shown on the invoice they asked for a deposit to cover the materials I paid {$1100.00} to the company for the materials On XX/XX/XXXX XXXX XXXX XXXX   XXXX showed up at my house and proceeded to prepare the yard for the pavers. Soon after their arrival it appeared XXXX XXXX XXXX XXXX was not planning to level or prep the ground as they had told me they would. When I questioned their plans one of the crew said that was not what they planned to do and said if that what you want we quit and walked off the job. 

XXXX XXXX XXXX XXXX walked off the job leaving their trash but did not deliver the materials as per the invoice. 

I filed a dispute with Citibank on XX/XX/XXXX provide them complete details. 

On or about XX/XX/XXXX I receive a letter from Citibank denying my claim stating the dispute was about the quality of service. 

On XX/XX/XXXX I call and waited on hold for ~one hour. I spoke with XXXX who informed me that once a decision was made they would not revisit the matter even if they made a mistake. After multiple request to escalate XXXX said someone from their investigations department would be in touch within two days. I have not heard back from Citibank. 

I do not know how Citibank could come to a conclusion that this was a quality of service issue given I did not receive any services. 

As with most construction jobs the up front money is for materials and the person receiving the service holds money until the job is complete and satisfied. 

My dispute was that I did not receive the materials that I was charged for and that were spelled out on the invoice. The invoice is clear the deposit is for materials. 

Citibank has made a mistake in their decision, this is clearly not a quality of service issue and is providing no recourse to resolve this matter.
Consumer complaint received 2022-02-18
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: Experian Information Solutions Inc. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the XXXX. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

YOU BROKE THE LAW! To Whom It May Concern : I would like to say. that TransUnion is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may Furnish a consumer report in accordance with the written instructions of the consumer. I the consumer living person never gave TransUnion any written consent to report anything on my consumer report. No consent is identity theft. I have listed the accounts below and I demand you remove these inaccuracies of my consumer report. If they are not removed I will not extend my credit to anyone or allow TransUnion to furnish my report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate consumer reports. By XXXX allowing these inaccuracies to ben furnished on my consumer report it has caused me to lose confidence in the banking system. If TransUnion wants to continue doing business with me, it should delete the inaccuracies off of my consumer report below immediately. XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX AXXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Cease and Desist from reporting these accounts on my consumer reports now and one hundred years from XX/XX/2022. Sincerily, XXXX XXXX
Consumer complaint received 2021-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

WellsFargo Bank Statement Errors as follows : 1. ) In my additional review of my banking statements, I discovered that there are inconsistencies with how my ( Ending Daily Balance ) is posted. On some of my statements the ending daily balance is posted immediately after a deposit is posted, but this is not typical for all posted deposits. Also some of the ending daily balance 's are posted on the last date of entries, for example XXXX to XXXX. But again, this is not typical for all ending and beginning dates, which makes the possibility of errors much more prevalent. 

2. ) The XXXX   XXXX  postings for deposits into my account are also posted incorrectly. The deposits should be posted as from the individual who made the deposit. Instead, it shows the deposit was made from ( XXXX CA XXXX, which is myself, making the transactions totally incorrect. 

3. ) There are absolutely no postings of my declined transactions. These transactions are only sent to me by text message and therefore I do not have a paper trail for said transactions on my actual banking statement. If there is a back charge from the bank for declined transactions, it is not posted on my banking statements. Therefore errors will occur on my ending daily balance.
Consumer complaint received 2020-07-28
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. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2018-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (RI)

I do not owe any $ for the XXXX bill which is on all of my credit bureaus. They must be confusing my name, XXXX XXXX, with another person of the same name. This is not me and I do not owe the {$150.00}
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Armed Forces Loans of Nevada Inc. (CO)

On XX/XX/2018 and XX/XX/2018 I called Armed Forces Loan and express some concerns on how I was showing 30 days past due multiple times on my credit report. I spoke to XXXX XXXX and was to it would be taken care of. Still to this day I am still showing delinquent. I asked for another loan and was denied because it stated I had a sufficient change in my credit score and the reason why is because of how they are reporting.
Consumer complaint received 2022-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

I have twice been issued a XXXX XXXX credit card by Chase ( XXXX and XXXX ). In both situations my application was approved, I was sent a credit card and then the account was closed before I was able to make any purchases on the card. When I called to question the decision I was told they would not be able to disclose reason for closing the account. 

I also opened a joint checking account ( with my spouse ) in XXXX. They also closed this account and refused to disclose reason for closure.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a complaint 1 month ago about my issues with XXXX NOT reporting my credit cards that I pay for monthly for good history. I have a total of 7 cards that should be reporting on each of my credit bureaus, and it is not. They are reporting on my Transunion and XXXX properly. XXXX is the only bureau not reporting correctly. 

CFPB said this has been resolved with XXXX and it has not. 

This is causing me denials for loans, credit cards, and more because lenders pull from XXXX first. This is unethical for me as a consumer because I have worked hard to maintain good payment history and credit age. The lack of reporting is preventing me from benefiting from my financial responsibility. 

Furthermore, I also have bankruptcy accounts showing up on my report and they should not be due to id theft and discharge. I have been discharged and none of these creditors should be shown on any of my credit reports with any bureau. The following lenders are not supposed to be showing on my credit report due to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service (AZ)

Re : CREDIT REPORTING ERROR. Misreporting Military Star data reporting to XXXX and XXXX includes 1 ) dates of last activity on XXXX, 2 ) duplicate reporting on XXXX, and 3 ) balance on duplicate XXXX reporting.
Consumer complaint received 2018-05-03
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: Experian Information Solutions Inc. (GA)

Please have the following items remove from my report they do not belong to me. 
Company : XXXX Account:XXXX Company : XXXX Account:XXXX Company : XXXX XXXX XXXX Account:XXXX Company : XXXX XXXX XXXX   Account:XXXX Company XXXX XXXX XXXX XXXX Account:XXXX Amount : XXXX
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Hi my name is XXXX XXXX XXXX XXXX and sending a complaint without any third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The letter I sent to Equifax was dated at XX/XX/XXXX up until now I still haven't receive any changes regarding the issue. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXI Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-07-28
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (IL)

I received a notification that my credit score dropped 8 points. When I looked into the reason why, It states that as of XX/XX/2020, my balance with US Bank Home Mortgage increased {$630.00}. I have been in the COVID mortgage relief suspension program since XX/XX/2020. I'm not sure why my balance has increased when I am currently in a program that provides mortgage debt relief.
Consumer complaint received 2019-03-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (NV)

After going back and forth with this collection agency, informing them that I do not have a child, and more - Ive finally just went to the police. I am tired of going back and forth. This is not my account, please remove this from my credit report and cease all collection attempts ASAP. 

Attached is my official FTC Identity Theft affidavit ( which serves as a legal identity theft Report - as its given directly to law enforcement that I indeed DID give you prior to ) In addition, attached is a Locally filed Police Report. 
POLICE REPORT CASE # XXXX
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Reported hardship to XXXX XXXX in response the COVID pandemic during the month of XXXX. XXXX XXXX  initiated the forbearance under the CARES ACT but still reported the month of XXXX as delinquent to all three credit bureaus. I have disputed this with all three credit bureau 's but they were unsuccessful at removing the derogatory remark. I have also reached out to XXXX XXXX  but they have been uncooperative in helping to remove this inaccurate remark on my credit report. I am now unable to refinance my home at a lower rate due to this report as VA require no missed payments in 12 months. Your help in this matter is greatly appreciated.
Consumer complaint received 2022-02-18
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: OneMain Finance Corporation (SC)

Onemain called me and ask if i wanted to continue with application for a loan. few minutes earlier i received alerts from my credit monitoring service telling me Onemain financial in XXXX, SC pulled my credit without my authorization. i called the number back and spoke with a lady name XXXX. i told her i didn't apply for any loan with your company online or in person numerous times. XXXX told me to contact the credit bureaus to dispute the fraudulent inquiry, i told her that i was going to get a police report and send it to the credit bureaus for fraud...
Consumer complaint received 2022-02-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc. (NC)

I attended XXXX XXXX XXXX and took out student loans. They promised to help find job placement but I never got a job in my field and now I am stuck with student loan debt that I can not pay back. I attended in XXXX and was out of work until XXXX then I started working part time doing shipment. Please help I beg you please. Im now working as a medical assistant and going to school to become a nurse but Im paying for all of my classes out of pocket.
Consumer complaint received 2019-03-27
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: Experian Information Solutions Inc. (NC)

XXXX  through XX/XX/2018, I contacted all three credit reporting agencies and requested a deletion of the Credit Card Company 's  account of delinquency. I thought one of the agencies removed/deleted the bad 'mark. ' However, the XXXX XXXX XXXX XXXX XXXX said it still remand. I had a sickness and a death in the family which prevented me from pursuing after I sent verification of my identification to the credit agencies. Please, read my concern and attachments. Thank you for your anticipated cooperation and I look forward in hearing from you. 

With Warm Regards, XXXX
Consumer complaint received 2022-02-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: N.A.R., Inc. (CA)

In XXXX I forgot to update a reoccurring payment with XXXX XXXXXXXX Credit Card. I was unable to access the account for several months because of their office hours. In XXXX I again attempted to settle the debt that was sent to collections. It was sent to to North American Recovery for collection. I worked with their representative to pay the debt over the phone. They collected my payment information but apparently never processed the payment. In the meantime I thought the debt was paid in full. 4 months later upon trying to apply for credit the debt showed it was still in default. I contacted the original creditor XXXX XXXX  who said the collection was with still with NAR. I contacted NAR, whom told me the account was with XXXX XXXX XXXX their Attorney. The Attorneys told me the account was sent back to NAR. For 10 days I was unable to pay the debt because no one could tell me whom to pay. Eventually, NAR accepted my payment but refused to send me a paid a in full letter. XXXX XXXX has still refused to send me a paid in full letter 14 days after payment. There has been no communication to help settle this matter which is affecting my financial situation. 

It should not take a consumer 5 months to settle a debt they claim and want to pay off. 

Please help.
Consumer complaint received 2021-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Through Transunion, on or around XX/XX/21, I requested a view of my credit score for the other two credit reporting agencies ( XXXX XXXX XXXX  ) agreeing to pay the one time fee of {$27.00}. Nowhere on the pages I viewed did it say that this would be a monthly recurring charge of {$27.00}, which I would never have agreed to. Transunion has since been notified by my credit card company of the aforesaid fact but continues to charge my credit card with {$27.00} on a monthly basis. I would like Transunion to end this practice as it is adversely affecting my ability to perform duties and sleep comfortably.
Consumer complaint received 2021-11-08
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Company is reporting a collection account from 2006 - this account should not be reflecting on my credit report since it has been well over the amount of time allowed to be on my report. I sent a letter to the creditor requesting information and to the bureaus and have not received a response.