davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/2020 Wells Fargo Bank closed my account without properly notifying me. I have been hospitalized since XX/XX/2020 and am currently still in the hospital battling for my life. I never overdrawn my account. I was laid off due to a 14 day self quarantine and had to pull money from my savings to my checking to feed my kids and accessed fees. I really need my account and have a wells fargo paycheck to deposit since I am a XXXX. My job was supposed to direct deposit my check but that never happened. I just need my account back opened and fixed. Right now I am in the hospital and can not physically walk my check in. Which would have been deposited on the XXXX of XXXX if I was not in the hospital at this time. I have been in the hospital the last 23 days. I am at XXXX hospital in XXXX XXXX and my room number is XXXX. Phone number XXXX please feel free to verify if needed.
Consumer complaint received 2021-09-03
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: EQUIFAX, INC. (TX)

its been over 90 days and incorrect information is still being reported on my credit report. I have not heard from XXXX, Equifax or XXXX!
Consumer complaint received 2020-07-10
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. (IL)

Transunion has failed to respond to my credit dispute letter that I sent on XX/XX/2020. As a consumer, I have rights under the FCRA and Federal Law mandates that I get a response to my dispute letter within 30 days of receipt. Under 15 U.S.C. 1681i, of the FCRA all unverified accounts must be promptly deleted from my credit file. The accounts XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX are inaccurate and unverified, and I am requesting that are deleted from my credit report immediately.
Consumer complaint received 2023-01-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon reviewing my current consumer report, despite numerous attempts requesting that this consumer reporting agency investigates the erroneous items on my file, I still see inaccurate, incomplete, and just plain incorrect items on my report. According to the FCRA all accounts reporting must be 100 % accurate and complete. The following accounts showing on my consumer files are showing INCOMPLETE account numbers with a few numbers and ending with stars or asterisks. This is INCOMPLETE reporting and a direct violation of the FCRA and it also goes against XXXX XXXX compliance. Please DELETE any and all Fraud Alert Personal Statement and Fraud Alert Phone Number from my consumer report as I will continue to keep my consumer files frozen on my own accord. Unverified Accounts Please DELETE the following accounts from my consumer file unless you can furnish an original contract with my signature since they are NOT REPORTING and they are INCOMPLETE as the account numbers are INCOMPLETE and cant be verified nor validated as belonging to me as they are not complete and all end with asterisks. This is a major violation. 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. I appreciate your prompt attention to this matter. Please send me a letter after you have deleted the information from my credit report.
Consumer complaint received 2023-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

I established two interest free XXXX XXXX XXXX Comenity Bank plans to pay for dental fees over time. I made regular payments. 

However, I did not receive paper statements and was not signed up for paperless statements. 

When I called to make a payment XX/XX/XXXX, I was advised that the interest free promotions had expired, and I was being charged interest. I had not received paper statements to advise of upcoming expiration dates. If I had, the balances would have been paid prior to the promotion expiration date. The principal balance due on both were paid in full on XX/XX/XXXX. 

On XX/XX/XXXX, the first interest free promotion ( original amount financed was {$740.00} ) expired and currently reflects interest due of {$11.00}. 

On XX/XX/XXXX, the second interest free promotion ( original amount financed was {$1100.00} ) and currently reflects interest due of {$440.00}. 

On XX/XX/XXXX when the principal balances were paid in full, we requested paper copy of statements, the first was provided on XX/XX/XXXX. I asked for relief from the very high interest charges through the Customer Service Department. They denied this request, I also contacted the Debt Settlement Department of XXXX XXXX XXXX Comenity Bank to request relief from the high interest charges. They did not return my call. 

On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX Bank Customer Service Department to follow up on my request for relief from the high interest charges. I was told they could not adjust the interest charges. I filed a consumer complaint with the XXXX Department XXXX XXXX XXXX XXXX XXXX Bank. They advised the interest and late fees will continued to be charged to my account based on the outstanding interest balance. 

I offered to pay {$100.00} interest as a fair settlement to these charges, this offer was rejected by the XXXX XXXX XXXX XXXX Bank Customer Service Department supervisor. 

I ask for your help for relief from these extremely high interest fees charged, based on the lack of correspondence on the status of my account and the promotion expiration dates.
Consumer complaint received 2020-07-10
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on my payment history from your company. 
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am a victim of identity theft. The thief [ made a fraudulent transaction/opened a fraudulent account ] in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic.
Consumer complaint received 2018-09-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (OK)

Please help ... I have done everything within my ability to resolve my billing concerns with XXXX XXXX, including emailing the corporate office. I have not received a response from Corporate and received unfulfilled promises from Customer Service. 

I have had multiple store cards. XXXX XXXX, XXXX XXXX Credit Card, XXXX, A credit card used for Health Care, and Walmart. I have always paid my cards on time. About a year ago, XXXX XXXX took over some of the company cards. when calling, the system identifies the customer by the phone you use to dial the customer service number. Unfortunately this has created a nightmare. When I called I was thinking I was connect to one card, but a different card was being addressed. I can not access the bills on line, I can not get them mailed to me, I can not access the bills on line, nor can I find charge ( paper or on line ) One customer service agent told me to use a different phone and then say I did not know my account number when I call and that would assure that the correct bills got paid. 

Every month I try to pay I have to call customer service. This started with XXXX XXXX about ago. I took out the card to purchase tires. After a month I did not get a bill. I called the store. They gave me a number to call. I was told it was emailed to me. I made a payment and they waived a fee. I was told the concern was resolved. The next month I called again. I again told them I check my spam, my inbox, my XXXX XXXX   and I never received a bill. I was charged late fees. I paid excess of minimum. Then again the next month when I called I was told that no payments were posted and there were late fees. I paid the bill in full and closed the account. This echos experiences with XXXX XXXX XXXX and XXXX. I have finally paid all of my XXXX XXXX   cards only to learn that my Walmart Card has been taken over by Synchrony. 

Regarding my XXXX XXXX XXXX card for two months I was told that they would correct the address and the concern that was prohibiting me from accessing my online account and to be able to see my bill. For two months this was not done. I have had my address corrected on the account since XX/XX/2017!! The computer does not acknowledge me current information so I can not access this on line. I then learned that the account I was making payments from was rejecting the ACH payment as possible fraud. ( For two months ) I did not know this because I never received a bill or any notice.

Please help ... I have done everything within my ability to resolve my billing concerns with XXXX XXXX, including emailing the corporate office. I have not received a response from Corporate and received unfulfilled promises from Customer Service. 

Thank you
Consumer complaint received 2020-07-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (CA)

I was in the hospital in XX/XX/2019. Due to this. I wasn't able to work and didn't return to work until XX/XX/2019. During this time, My husband was making the payments on the credit card. For numerous months, he was given wrong information about payments and due dates. He informed the company of my medical issues and asked what could be done. One month, he was given the wrong date to pay by. After talking to different departments and different managers in those departments, we were told the card was closed and had been closed for months. We were never notified of the card closing or given information on how to keep it open. We asked if we could dispute it being closed and they were dismissive.
Consumer complaint received 2020-07-07
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: EQUIFAX, INC. (IL)

I have unauthorize inquiries I do not recognize. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. I never authorize to run my credit.
Consumer complaint received 2020-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

On XX/XX/2020 I checked my XXXX  credit report and a debt for {$4300.00} from a company called Transworld Systems. It was reported on XXXX XXXX,2020. The company states the debt is 2.5 years old and it has no account type to identify what type of debt it is. The company put a fraudulent debt on my credit report. I have no knowledge of this company. Then at the bottom the company put remarks stating it was result of a natural disaster. I have no idea how they obtained my information. Two years ago I wasnt in a natural disaster. The collection agency or the original creditor I have never done business with. I live in California and the original creditor is not even located in the stare I have lived for the last 4 years.
Consumer complaint received 2020-07-10
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: Experian Information Solutions Inc. (IL)

Experian has failed to respond to my credit dispute letter that I sent on XX/XX/2020. As a consumer, I have rights under the FCRA and Federal Law mandates that I get a response to my dispute letter within 30 days of receipt. Under 15 U.S.C. 1681i, of the FCRA all unverified accounts must be promptly deleted from my credit file. The accounts XXXXXXXX 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  IL XXXX are inaccurate and unverified, and I am requesting that are deleted from my credit report immediately.
Consumer complaint received 2021-03-26
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. (NY)

On XX/XX/XXXX, I paid a balance of {$26.00} on my XXXX credit card of a bill in XX/XX/XXXX, and they didn't clear the balance after I have paid the XXXX XXXX when my credit card expires and I didn't renew the card, the account was closed by them leaving the balance on it.I didn't know about that since I never used the card since then and left the address.I accidentally found I still had {$26.00} charge off and had negative record because of that in XX/XX/XXXX, I contacted XXXX, paid another {$26.00}, and they written it off.since it was a record in XXXX, which I already paid off, the record should be taken off after 7 years, I filed a claim with Experian, after the investigation, nothing has changed except the closed account becomes charge off again.They ignored the fact that I have paid off on time in XXXX and again in XXXX.I ask for further investigation.experian Claim ID # XXXX
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TOYOTA MOTOR CREDIT CORPORATION (DC)

Toyota Financial Services has NOT been reporting my payments to any of the three credit bureaus for the months of XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020! I have bank statements and Toyota account statements confirming payments. But if you look at my XXXX, XXXX  and XXXX reports they all show a BLANK for these five months?? For the past few months I've gotten a Credit Help Agency to dispute the false report. ONLY XX/XX/2020 and XX/XX/2020 have been changed and properly updated on my credit reports. PLEASE correct my 2020 payment history on my credit report with XXXX, XXXX  and XXXX.
Consumer complaint received 2020-07-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was on XXXX checking on my order. When I signed in something blocked me from doing so and I called a number that I thought was affiliated with XXXX but come to find out this was not. It was actually a hacker. My wife told me to check my bank account and I immediately noticed that they had taken {$1100.00} from Bank of America. This occurred on XXXX XXXX. I called on the same day this happened to make a fraud charge to the bank. Come to find out the bank did not file the charge until XX/XX/2020. On the bank statement it is showing up as a charge from XXXX Transfer Confirmation The person name is XXXX  XXXX.. on both transaction. 
confirmation number is XXXX for the XXXX confirmation number is XXXX for the XXXX
Consumer complaint received 2020-07-07
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. (CA)

FRAUDULENT APPLICATIONS WERE SUBMITTED IN MY NAME OR MY IDENTITY HAD BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 

XXXX XXXX XXXX {$21000.00} Opened XX/XX/XXXX XXXX XXXX {$15000.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$11000.00} Opened XX/XX/XXXX XXXX - XXXX XXXX {$6000.00} Opened XX/XX/XXXX XXXX {$4000.00} Opened XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-07-10
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: KLS Financial Services, Inc (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and  will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/2022 I mailed off a letter to all XXXX credit agencies. Within the letter I asked them specifically to investigate many accounts and made them aware of the inaccuracies. I also asked them to remove many of the hard inquiries for a specific date as its related to the same issue and the laws state I can only have XXXX hard inquiry affect me when its for the same usage, in this case it was car shopping. Today marks the XXXX day since I sent the letters which is in regulation with the FCRA time frame. I received letters from XXXX and XXXX stating everything was complete. After receiving these letters, I checked my credit report and still found several inaccuracies. This is willful noncompliance. According to the FCRA any inaccuracies should be corrected or deleted.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-01-09
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. (TX)

On XX/XX/ I mailed off a letter to all 3 credit agencies. Within the letter I asked them specifically to investigate many accounts and made them aware of the inaccuracies. I also asked them to remove many of the hard inquiries for a specific date as its related to the same issue and the laws state I can only have one hard inquiry affect me when its for the same usage, in this case it was car shopping. Today marks the 45th day since I sent the letters which is in regulation with the FCRA time frame. I received letters from XXXX and Transunion stating everything was complete. After receiving these letters, I checked my credit report and still found several inaccuracies. This is willful noncompliance. According to the FCRA any inaccuracies should be corrected or deleted.
Consumer complaint received 2023-01-09
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. (IL)

I ordered a copy of my report in MyScoreIQ dated XX/XX/23 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed accounts which I believe were reported in error. 


XXXXXXXX XXXX XXXXXXXX Balance : {$4700.00} ; XXXX XXXX XXXX XXXX Balance : {$1300.00}