davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

i am not making complaint against capital one.i made a dispute against XXXX where i bought something XXXX and on XXXX decided since there was no parking lot at the hair salon which i did not find out until after the 3 days of the refund policy passed. i must add their refund policy is not clearly discernible on their site. at the time of purchase. tehy refuse to refund my money on card ending XXXX of XXXX dollars.they stand by their 3 day return policy i know once they send you their policy you will rebill me but the fact i did not know the policy it was not clear or represented on purchase page and the merchant did not reveal there were only parking meters until after 3 days passed is important. i want and demand a refund from them. i will never use them again.
Consumer complaint received 2019-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been trying over SEVEN MONTHS now to have TransUnion properly and legally verify items that appear on my credit report. What they have done is contacted the creditors, and the credit reporting agency ( TransUnion ) and the creditors have 'verified ' among themselves, without providing ME with any supporting documentation ( an 'original ' document bearing my signature ) that they, in fact, are reporting on the correct person. Also, per the FCRA, TransUnion must maintain original documentation ( baring MY signature ) and receive it DIRECTLY from the creditor/original reporter ( i.e. the court ), NOT a third party ( i.e. XXXX ). As the attached demonstrates, the court responsible for some of the items being reported on my report DO NOT communicate directly with credit reporting agencies, thus making this information baseless for reporting. 

Also, TransUnion closed CFPB report # XXXX without resolution, stating that the investigation will take up to 60 days. I request that this CFPB case remains open until the case is resolved, AND that the results ( minus any of my personal information ) are given to me here on CFPB 's site, in addition to any mailing I may receive.
Consumer complaint received 2019-06-26
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. (AR)

The account/collection ( Original Creditor : ) XXXX doesn't belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted Equifax to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for.
Consumer complaint received 2019-01-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (MO)

This is a re-hash of a complaint I made last year but it had been filed with XXXX. 
This is the very same company and same amount {$53.00} with the same originating company XXXX XXXX XXXX. I have NOT had any XXXX  services since the early XXXX when they did not supply the service they promised and then grossly overcharged me when I dropped their services. 
I will not EVER have XXXX  services. 

Collecting companies name is Diversified Consultants Inc. 

I have taken my credit score from the 500s to mid 700s and if I owed these idiots anything I'd pay it off.
Consumer complaint received 2022-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TransUnion reports a date of last activity of XX/XX/XXXX while the other bureaus report different dates ( XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX ), which is a clear indication that this account was illegally re-aged. 

TransUnion also lists this CLOSED account as OPEN and continued to report positive payments on a closed account.
Consumer complaint received 2019-06-26
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. (NY)

I have sent disputed letters asking for the unverified late payments to be removed for the year of 2015, they only removed 2 late payments, there are still unverified late payments on my accounts, If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ) under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.
Consumer complaint received 2019-06-26
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. (AR)

XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX The accounts do not reflect their accurate status..They aren't charge off they were paid and satisfied as agreed..I do not authorize you or anyone to report not proven compliant information..I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I received notice from a rental company that I had an eviction on my credit report dated back further than 2 years and should not be there. The Company is XXXX XXXX XXXX. and dates are XXXX, XXXX, XXXX, XXXX. Cases were closed favorably.
Consumer complaint received 2023-04-10
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. (NY)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2019-06-26
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: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Portfolio Recovery Associates LLC XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX I noticed this on my report. I have sent them several letters asking them to provide me with a copy of any viable evidence bearing my signature. They have not been able to provide me with anything except a statement. They can't tell me what was purchased, when or by who. They keep calling me and harass me daily. I will be attaching all my letters with proof they have received these letters and still keep sending me statements. I had another instance with another debt collector where i had something on my credit report that did not belong to me and they were able to provide me with the actual application and there were two different handwriting that were not mine. i have no idea what this portfolio is trying to collect and they can't verify account.
Consumer complaint received 2019-06-26
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. (AR)

XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX The accounts do not reflect their accurate status..They aren't charge off they were paid and satisfied as agreed..I do not authorize you or anyone to report not proven compliant information..I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it
Consumer complaint received 2019-10-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Residential Bancorp (CA)

On XX/XX/XXXX I received a Loan Estimate from Residential Bancorp - XXXX XXXX. At the time I did not know they were supposed to put the full deposit of {$11000.00}. It was just the {$2500.00} deposit. ( Which the {$11000.00} was given before XX/XX/XXXX ). Today I realized only the {$2500.00} was showing on pg. 2 in the Calculating Cash to Close/deposit section. This was showing I still needed to {$14000.00} instead of {$6200.00}. I contacted XXXX XXXX in regards to this not reflecting on the Loan Estimator and she sent me the price addendum instead of a new Loan Estimator.  I explained that this should be reported on the disclosure, she had XXXX XXXX contact me stating it was not the Loan Estimator but the Initial Disclosure completed by their former loan originator. I explained that is not the disclosure Im referring to and the email I received was sent by XXXX XXXX on XX/XX/XXXX. XXXX responded that my loan amount was listed. I never disputed the loan amount. I am only disputing the cash to close information. Im not sure they did not add this information when it was known ( statement requested confirming items cleared ). I  have had other issues like not knowing Im paying points for a lower rate but am not complaining about this, only my disclosure is incorrect. It appears to be deceptive since my actually out of pocket should not be {$14000.00} but {$6200.00}.
Consumer complaint received 2019-06-26
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. (AR)

XXXX  XXXX, XXXX XXXX  XXXX XXXX, The accounts do not reflect their accurate status..They aren't paid late they were paid on time..I do not authorize you or anyone to report not proven compliant information..I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is.
Consumer complaint received 2019-06-26
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. (AR)

XXXX XXXX, XXXX XXXX  XXXX XXXX, The accounts do not reflect their accurate status..They aren't paid late they were paid on time..I do not authorize you or anyone to report not proven compliant information..I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is.
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2023 I contacted Bank of America to report fraudulent use of my debit card with a consumer ( XXXX ). I was able to stop another transaction that was made fraudulently, however I was not able to stop the transaction in the amount of XXXX. 

Bank of America sent me a new debit card and I was given a temporary deposit of the money stolen. 

On XX/XX/XXXX we received a letter in the mail stating that our claim had been denied and that they would be taking the money back out of our account. Bank of America did just that and left my account negative on XX/XX/XXXX. 

Now, I feel as if my own Bank is stealing money from me and failed to protect my identity as well.
Consumer complaint received 2019-06-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Bank - XXXX XXXX XXXX XXXX, XXXX PA. XXXX. US Beginning on the XXXX XX/XX/2019, a series of payments was instructed from my Wells Fargo bank account, in the total amount USD XXXX to scam XXXX XXXX / XXXX  / XXXX XXXX   XXXX XXXX. 
They prevented from me withdrawing my funds when I demanded such. They did not invest my money, but just stole it. I submitted a recall dispute to Wells Fargo Bank on XXXX XX/XX/2019. The transaction that made through XXXX XXXX have been made without my consent. The fraudster XXXX bought Digital Currency through XXXX XXXX purportedly on my behalf using my computer via XXXX XXXX   ( a Remote-Control App ). As they are professional con-artists they managed the whole scenario deliberately with no intention of actually investing my money but to stole it. They used my email address for registration and my online banking. So as the accounts on XXXX XXXX were opened without my awareness. 
Wells Fargo gave his final response on XXXX XX/XX/2019 and declined my request on grounds that The signature on file for your account appears to match the signature on the item ( s ). We are not able to verify that fraud occurred. 
When I authorized the payments by my account, I did not know that the merchants are scams, I discovered it later on. In my dispute, I asked Wells Fargo to take the responsibility and asked for a refund, because no services or investments were supplied to me by the scam merchants. Wells Fargo gave his final response on XXXX XX/XX/2019 and declined my request on grounds that The signature on file for your account appears to match the signature on the item ( s ). We are not able to verify that fraud occurred. 
Yes, XXXX made me sign some documents and statements to make it all look legit, however, the fail applying their own terms and conditions which they created by themselves. 
XXXX were giving me a fake platform, fake details, and by not applying their own terms and conditions I find it fake to. Therefore, I can only surmise that the documents and statements I signed were also fake, and can not hold or be any evidence of my claim. It is like I would sign I'm authorizing to steal from me, stealing it's illegal and even if I signed a fake paper, doesn't make it right. 
As of now I am aware that this kind of " investments '' called XXXX XXXX, XXXX XXXX trading is illegal in the US, yet Wells Fargo permitted the instruction of these payments. 
What is egregious is that I have since found out that there were numerous warnings issued by few regulators, warning the banking community against allowing the instruction of payments to these particular merchants : XXXX How is it that Wells Fargo approved the transactions in the first place and didn't protect me, as their customer? 
Would Wells Fargo Bank approve a payment to money laundering XXXX ( terror organization ), if they established a website branded as an investment service? XXXX is either an illegal scam, or an investment service. It can not be both.
Consumer complaint received 2019-06-26
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. (IN)

To whom it may concern I had opened an installment loan account at the XXXX XXXX XXXX XXXX XXXX in XXXX my account has never been delinquent, a bad debt, charge off or never Ever been a closed account. My credit Union reports to Transunion and XXXX. The Credit Union had changed over to a new software system. And was having some glitches with their program. According to the head account manager, The wrong code was keyed into the system on the Transunion side. And reflected that my account was closed on XX/XX/XXXX and Was in bad standing. Even though it said payments were on time and never late. I have visited the credit Union numerous times to get this matter corrected And each time they stated that they had reported to TransUnion and have corrected this matter. As of currently, this matter has not been corrected. My credit score for TransUnion currently reflects a XXXX, while my other scores fir XXXX and XXXX  are XXXX and XXXX. 
I have filed a dispute over the phone with Transunion and I was told by the credit union that they received the dispute and have corrected this matter and still nothing has been corrected I asked them to provide me a letter so I can file a complaint and show proof for my dispute. Please help me to rectify this matter.
Consumer complaint received 2023-09-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company (AZ)

I contacted the original creditor in XXXX {$74.00} when a second bill was received and advised the that bill was paid from my HSA account on XX/XX/22 I provided them with the transaction information from my XXXX  and they said that it would be looked into today I received a collection notice XXXX
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XX/XX/23 - Receive later from BoA that they are closing an account I was never aware existed and that they will be reporting the account which will impact my credit score. I call BoA and report the fraud and they mail me a fraud claim form. 

XX/XX/23 - I call number listed on fraud claim form ( XXXX ) and request an email address to send form. They provide me with an email and I send claim form and requested documents the same day. 

XX/XX/23 - Submit complaint to BoA because they have still not resolved the fraud issue despite me submitting claim form and requested documents. 

XX/XX/23 - Get response from XXXX XXXX at BoA asking me to contact them about complaint. 

XX/XX/23 - Call BoA, sent right to voicemail. Leave message asking them to contact me about fraud claim. 

XX/XX/23 - Get call back from BoA asking me to resubmit documents because XXXX is going on vacation next week and needs them right away to close the matter. I resend claim form and requested documents immediately upon ending phone call. 

XX/XX/23 - Receive email from BoA that account that is still under complaint is overdrawn and they are going to destroy my credit and still hold me liable for the overdrawn balance in an account I didn't authorize to set up or authorize a single transaction that took place. I send email to XXXX XXXX at BoA explaining the situation and requesting a little more urgency be placed on my case. 

XX/XX/23 - Receive another threatening email from BoA that if my account isn't fixed in 20 days my credit will be damaged and I will be liable for amount due. Still have not received any response from XXXX XXXX at Bank of America despite sending documents XXXX and a half weeks ago and sending follow up about the urgency. Call XXXX and leave voicemail to please, please make this urgent so I don't need to waste more time on this if it impacts my credit. I am getting XXXX responsiveness from the bank.
Consumer complaint received 2019-06-26
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)

US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, DEPTEDXXXX XXXX, US DEPT ED XXXX , US DEPT ED XXXX, DEPTEDXXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX , DEPTEDXXXX    XXXX accounts do not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I have a student loan but they are not the one.. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IL)

XX/XX/2023 I went into a BMO Harris bank to withdrawal. I presented ID and I signed with my initials rather than signature. I was denied because of my initials such that I was not asked to present a 2nd ID. Thus I called BMO Harris and they stated usually you show two forms of ID for which the manager did not request two IDs but I presented them anyways as a concern of fraud on the business end to not process my transaction even if I verified who I am over the phone thus this still was not good enough. I was denied instead of the manager recognizing her fault thus I was denied my withdrawal and essentially I was also going to close the account after the first withdrawal leading to a second withdrawal for all funds. I decided to pull fund manually from the account as a concern for deception of the local bank trying to cause a scene and harass the customer when I verified myself over the phone and this was truly authenticated. Hostile concerns even with two separate IDs presented.
Consumer complaint received 2023-08-16
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. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (UT)

So in my previous comments I told u about citi bank how they messed up my account and added more money when the limit was XXXX and my credit card bill was over XXXX and that made me really upset how they handled that was very poorly I would like an appology for how I was treated with citi bank they kept adding more money to my account and I was so upset about that I am having to pay with my bank now with the loan I just am very frustrated how they handled the situation I have a major XXXX and struggle with lots of things