davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a " locksmith '' come out to a hotel I was at to make a new keyfob as mine had been damaged. The locksmith quoted me {$280.00} written on a work order form. Although it seemed a little high I signed it anyway as they took a long time to arrive and I was late for a meeting. I then found my credit card was charged {$780.00}, not {$280.00}. I looked at the work order and they had written in additional items and changed the 2 to a 7, after I had signed and authorized the work. Attempts to contact the number on the work order went to a dead line. After further research I found out it was a fraudulent locksmith service that utilizes search engine techniques to direct searches for a local locksmith to a fake website that appears local, but the call goes to a central dispatch and an unlicensed locksmith performs the work at an enormous price. I filed a complaint with our state government and they confirmed it is a fraudulent service and sent the issue to the state attorney general for potential prosecution. I disputed the credit card charge and provided this information but they found in the merchant 's favor because there is a receipt with my signature on it.
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo said they would not put any negative info on my credit report when I was trying to get a modification from them. They put it on there anyway. I later sold the house and became positive with them
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXXXXXX XXXX XXXX XXXX XXXX continues to report my loan account as delinquent. As a result, my credit score continues to decline. There was an internal autopay issue on the account in XXXX that we were not informed about via mail. Once we seen the delinquency on my account, we immediately paid and called XXXX to confirm in on XX/XX/2022. We even paid the amount up until XXXX. Here are the XXXX confirmation numbers XXXX ( to confirm the status ) and XXXX ( to correct the failed autopay ). Each day after, XXXX continued to report the account as delinquent and my credit score dropped over XXXX points from this discrepancy.
Consumer complaint received 2019-03-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (TX)

I put money in and they took money the day after the date of transaction. Taking income deposited to avoid bank closing. Therefore had fees and harassment from Wells Fargo then they closed my account after they tried to explain nothing further and not responding to the date of deposite and debit from account. I owe Wells Fargo and I want the bank back because I like Wells Fargo. This all happened when the DOJ investigates them and I'm one of the customers who suffered. Can I get some help?
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-01-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MA)

Bk XXXX  page 45-53 I filed in the Reg of Deeds ( XXXX County, MA ) is my Homestead dated XX/XX/XXXX and on XXXX book XXXX page 304 to protect me against wrongful foreclosure/liens is on record. I recorded this as a XXXX person and attached in this record is my Social Security statement to prove XXXX. I am now XXXX yrs old. 

TODAY- JP Morgan Chase Bank , NA has filed a New " assignment of mortgage '' as copied/pasted here from the website : XXXX XXXX XXXX JPMORGAN CHASE BANK N A XXXX bk XXXX  page 119 ASST XX/XX/XXXX XXXX XXXX XXXX XXXX I believe this Bank is trying to wrongfully foreclose on my home for this Line Of Credit. 
please see attached for my protections/rights as a XXXX person now age XXXX. 

Also! it appears that this HELOC " account '' has gone from : Chase, Mail Code XXXX, XXXX XXXX XXXX, XXXX, LA XXXX to listed on the NEW assignment JP Morgan Chase Bank, NA I have never received any communication of this action also.What is this " Bank '' trying to pull???? More fraud???
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

There is a XXXX account on my credit report that should not be there. I talked with XXXX and they said they dont report to the credit bureau and not sure why it is on there. I have tried for years to get this negative item off my report but no luck
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1831 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
Consumer complaint received 2022-11-20
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. (CA)

On XX/XX/XXXX, I contacted Equifax about the following inquiries XXXX XXXX XXXX Inquiry on : XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry on : XXXX. Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2024-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute and request the immediate removal of fraudulent accounts from my credit report, as required by law. 
The following fraudulent accounts must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (WA)

To whom it may concern, Can I please get a refund for all the effort in correcting a derogatory creditor on my credit score and corrected information that was paid years ago. I've contacted the Citi Bank directly and all I got was the wrong number, they wouldn't give me the proper billing address, they wouldn't send credit card in a timely fashion and won't allow me to access the prompts when first calling. I called my financial worker on the following dates XXXX-19 and XXXX-19. Not much interest there either.Sincerely yours, XXXX XXXX XXXX.Thanks.
Consumer complaint received 2020-06-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Rosebud Economic Development Corporation (CA)

I have applied for a {$400.00} loan ... in contract I was supposed to payoff my loan payment with a 6 payment withdrawal from my bank account. I made well over 10-12 payments of {$100.00} thats over a {$1000.00} for a {$400.00} loan! 
I have tried calling the company no answer for a couple of days and finally I got in. And all they said was that they will keep withdrawing from my acct until they are satisfied ... I am like what the heck. And they just hung up on me.!! 
I sent emails no replies back. The only thing I get is that my acct is going to be debited for payment of {$100.00}. I emailed them with that email sent to me. No reply.
Consumer complaint received 2020-06-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (GA)

After trying to obtain IRS Transcripts online, I was asked to provide ONE of the following. Home Equity Loan Account Number, Student Acct Number, Auto Loan Acct Number or Mortgage Acct Number. I have a student Loan. I look at the Statement from My loan Servicer Great Lakes. When I entered the information. The IRS stated that this information was inaccurate. So I gave GREAT LAKES A call. The 1st Rep gave me an extension of my account number, I tried that and the IRS stated that that was incorrect. ( online ) I called for a 2nd a 3rd Time, Was told to called XXXX only to find out that they will not give you any information, However they will verify it if you have it. I put a call into the US Dept of Education only to be led down another dead end with only me divulging information and not receiving. I felt each time as if I was speaking to a collections company. Not to mention I never received the correction information. I contacted the IRS again and was told I need to ask for my XXXX XXXX Account Number. The Servicer was completely clueless regarding my request as to what else they could. Each company asked me to contact the other. My question or concern is how can someone collect, ask, service or take payments from me without having a valid and or a legitimate account number to apply my payment to. The very last phone I made was again to Great Lakes where I spoke to a supervisor. I was told by the Supervisor that Great Lakes is the Loan Seriver and the loan number would come from the lender. I asked for the Lenders information and she gave me XXXX XXXX XXXX and I asked her who it was that I was calling and she again stated it was the US Dept of Education. from XXXX E. When I called I spoke to a representative they told me that they work with the US Dept of Education but they are Student Loan Support for the website Studentaid.gov and they don't have the information. I was led down yet another dead end.
Consumer complaint received 2018-03-06
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. (AZ)

In 2017 I purchased three automobiles. Being well aware of how credit works, I specifically instructed each dealership to ONLY pull my credit one time. I did NOT authorize any additional credit inquiries. Without my knowledge each dealership pulled my credit multiple times resulting in my credit score dropping over 100 points. The inquiries I did NOT authorize are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This happened with all three dealers and involve Trans Union, XXXX  and XXXX   credit bureaus. I wrote letters ( attached ) to all three demanding they show me proof of me authorizing these inquiries which I have the legal right to do via FCRA 609 and 611. They refused my request and stated the inquiries would stay on my credit for two years. They are flaunting the law and I am filing a formal complaint with you to get these  inquiries removed immediately. 

If you have any questions, you can contact me directly.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX card ending XXXX withdrawal of {$2000.00} XX/XX/XXXX card ending XXXX Funds transfer ( other account that was compromised and frauded and eventually closed account ) {$1500.00} XX/XX/XXXX card ending XXXX withdrawal of {$1000.00} XX/XX/XXXX card endingXXXX Withdrawal of {$180.00} XX/XX/XXXX card ending XXXX withdrawal of {$100.00} XX/XX/XXXX card ending XXXX withdrawal of {$300.00} XX/XX/XXXX card endingXXXX  withdrawal of {$1000.00} XX/XX/XXXX card ending XXXX withdrawal of {$500.00} I have spoken with bank of America edd fraud and claim department many many times to discuss the situation at hand XXXX I made several attempts to get in touch with the representatives and we have spoken many times and I have expressed to them how my Bank of America EDD Account and private information, from my emails to other banks accounts i had also, where compromised and hacked frauded into. 

I can recall clearly I was on the phone with the Bank of America EDD fraud /claims department for an hour or so because my account had the departments number verified and on my account AS MY OWN NUMBER. IN my own words the lady had said she has been working at the department for years, as she was a 2nd tier specialist, and said that she has never seen this ever happen. It took them hours to try and remove the departments verified number of my account. 

Around that time and on, all my accounts from my edd online account to my chase account, XXXX, my emails and my phone numbers and passwords were fraudulent. I had to change emails and phone numbers and passwords And now it has just been a habit since getting my funds stolen under my nose. 

And still I have been contacting them about my claims that many representatives have said they have been going over for more then a year now. With no result and resolution my accounts that was hacked into and fraudulent transactions/withdrawals occurred Alot of these situations where not in my favor and since of it all I have lost more then what was fraudulently stolen from me, ths goes to me having a good stable job with 2credit cards and a bank account with SAVINGS ACCOUNT to me not being able to have any more credit cards, in debt, and not being able to have a bank account! Anywhere because my identity was and is stolen No I have only one prepaid bank account Luckily I was able to with debts and collections because my situation hasn't been really looked into although everytime I speak with them it is still open claim and even though everytime a complaint is filed for me and under investigation going on more then a year or don't favor and remember how I had my identity stolen.
Consumer complaint received 2018-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been out of the United States for a long time and have come back to a disaster. My credit report shows a credit card with Capital One bank was opened in my name and thoroughly used when i was not even in the country. The bank swears it is my card but it is not the case. For one my name is XXXX XXXX not XXXX XXXX my checking account, driver license, and everything I have has XXXX XXXX while the fraudulent credit card has a different name. The addresses are also incorrect. I am not a US citizen and am a permanent resident. Please fix this problem as capital one is disinterested in assisting me as well as it is hurting my credit score.
Consumer complaint received 2024-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute the fraudulent account that has appeared on my credit report. Upon reviewing my credit history, I discovered an unauthorized account opened in my name without my knowledge or consent XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.A.Rogers, Inc. (NY)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-09-18
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Bridge IT, Inc. (WI)

When I signed up with Brigit for access to emergency funds I was told that they would pull from my account on Tuesdays, the day before my paycheck hits my account. They based this on some information that shows that my bank has added this deposit to my account very late at night on Tuesdays, usually XXXX XXXX XXXXXXXX XXXX XXXX. I explained that if they pull it prior to that time, its going to cause an overdraft and was told explicitly that if an overdraft is caused, I will call them and they will refund it to me. They then manually changed my account account to show that they would pull on Wednesdays. 

I reached out to Brigit this morning to report that this exact scenario occurred- they pulled the money on Tuesday, and my financial institution put my check in very late at night on Tuesday, but not until after charging me an overdraft because of Brigits attempt to pull a day earlier than I told them they could. I asked Brigit to refund me the overdraft exactly as I was assured they would. XXXX refused and then immediately left the chat. 

I just want my {$32.00} back like they promised I would get. I have canceled their service for they were charging me {$8.00} a month. I will not use them again, and I will be very vocal to anybody else out there about why they should not use this product. 

Please help. 

XXXX XXXX
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MA)

A Balance on the credit card which I paid off before the due date had accumilated interest fees on the account without my knowledge. I didnt use the card for months or log in online, then XXXX  notified me the bank had reported a late payment on my credit report. I then called costumer service and they removed the interest fee but told me Id have to contact Excutive about the late payment report. Ive wrote them over a month now and theyve never respond. I paid the balance off before the due date so there shouldnt be any interest or payments on my credit report.
Consumer complaint received 2018-03-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CO)

We sold our house and the title company has been trying to get the payoff for 2 weeks. On Friday they told us that every time we call them it delays the request for the payoff. We aren't going to close on our house today and now the buyer is ready to walk away.
Consumer complaint received 2018-03-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bread Financial Holdings, Inc. (CA)

I missed several payments with them and it went to collections. However, I recently made the full " Due Now '' payment of {$450.00}. Now I am getting harassing phone calls several times every day from a man calling himself " XXXX XXXX '' making vague statements that he is somehow some kind of collections law enforcement agent and he'll make me and my family sorry we didn't make the full amount of the past due payment. I actually contacted them to try and make arrangements to continue the payments but never received a email or call back either, but I still get these calls. 

The email I received on XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX The payment made on XX/XX/XXXX : XXXX XXXX XXXX
Consumer complaint received 2022-05-01
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. (GA)

I the consumer Demand you cease and desist pursuant to federal law 15 usc 1692c ( c ) I demanded the debt collector cease and desist reporting inaccurate information on my credit report I have 20 accounts 18 open and 2 closed also hard inquiries on my account and its fraudulent you are in violation if you continue to report anything without my consent you do not have a permissible purpose to report this info pursuant to 15 usc 1681b. After Ive sent you a letter and filed a complaint stating this.