davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I called XXXX on XXXX XXXX, 2015 at XXXX. I asked the rep to provide all accounts appearing on my credit report to check for accuracy. He told me repeatedly that my report had not been updated since XXXX XXXX, 2015. He then insisted that I must pay for the monitoring service to " refresh '' my credit report. He stated that the FCRA does not allow them to change accounts and/or information on my credit report " without paying. '' He even stated that TransUnion could n't guarantee the accuracy of my credit report unless I paid for the monitoring service they offer. I was appalled that TransUnion would make such an unlawful assertion. That is kin to extortion, and at the very least unfair business practices in violation of the FCRA.
Consumer complaint received 2022-09-06
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

Unbeknownst to me, on XX/XX/2024, {$1000.00} was withdrawn from my Wells Fargo ( WF ) checking account. I happened to check my account on XX/XX/XXXX, noticed the fraudulent withdrawal, and immediately called WF to report the fraud. With the help of the banker, the account was closed, and an investigation was initiated.

- I learned that the withdrawal happened inside a branch store on the other side of the city. 
On XX/XX/2024, I called WF to inquire about the status of the investigation. I was told that the fraudster had an I.D., and the signature on the withdrawal receipt matched what was on the I.D . so as far as WF was concerned, this investigation was concluded ; my father immediately contacted the XXXX XXXX. non-emergency operator and asked where to file a police report and was told that it needed to be filed here in XXXX ( Texas ) so we went to the police station and did as directed. 

Also, on or about XX/XX/XXXX, I requested of WF that this issue be escalated to the Customer Advocacy Group for resolution. Because this fraud happened inside the bank and with cameras, I asked if I could send my picture and/or I.D . to show that it wasn't me, but I was told that it wasn't an option. I was told to check back in XXXX working days. 
I called the WF Customer Advocacy Group and was told that they closed the investigation because they determined that my mother, who was a joint-owner on the account, made the withdrawal ( initially, they said it was me ) AND did not file a complaint about the funds being fraudulently taken, so they considered the withdrawal valid and closed the case. This is utterly preposterous! My mother and I were here at home on the day of the withdrawal and did not travel to XXXX. 

Why was my mother a joint owner? I've had this account for a very long time, and my mother is the one who helped me open the account because I couldn't open it on my own. I just never had her taken off the account. 

I contacted the XXXX XXXX. on XX/XX/2024 to inquire about the investigation and was told that the case had been transferred to the XXXX XXXX XXXX XXXX Department because the theft happened in XXXX XXXX ( remember, I asked about that before ). From personal experience, this case being sent to XXXX XXXX is an enormous waste of time because it will be added to a pile of reports that will not be earnestly investigated, and will be subsequently discarded. 

Wells Fargo closed the investigation, I suspect because they don't want to be held liable. XXXX XXXX will not investigate this matter diligently, if at all, and I can't afford to lose {$1000.00} out of my account.
Consumer complaint received 2022-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

XX/XX/XXXX XXXX XXXX XXXX XXXX PA, XXXX BANK OF AMERICA XXXX XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Dear Sir or Madam : I have new information provided to Bank of America including new police reports and actual culprit who stole my bank card and used it fraudulently and without my permission. Police Report : DC # XXXX DC # XXXX This is my first dispute. 
I am writing to dispute a debit in the amount of {$7300.00} on my account. The open claim ID number regarding this dispute is : XXXX. 

This particular gas station where these charges occurred is a gas station that I have used before because its close to my home. I recall several times I attempted to use my debit card at the pump and the charge didnt process. I recall this happening on several occasions and I instead used another credit card to pay for my gas. 

However, since XX/XX/XXXX thru XX/XX/XXXX I have noticed that there have been charges that I didnt authorize, have no knowledge of and didnt perform on my account. I have informed the representative when I opened my claim about my concerns about a skimming device being in place at this gas station. I also informed the representative that have had several instances where I was prompted to reset my password on the mobile app as well as alerts being sent to my spam folder about charges on my account. 

After reviewing of my account statements in detail and depth I am disputing the following charges to my account : XX/XX/XXXX - {$200.00} ; {$110.00} XX/XX/XXXX - {$260.00} XX/XX/XXXX {$90.00} XX/XX/XXXX - {$86.00} ; {$140.00} XX/XX/XXXX - {$260.00} XX/XX/XXXX - {$280.00} ; {$200.00} XX/XX/XXXX - {$170.00} ; {$180.00} ; {$200.00} XX/XX/XXXX - {$300.00} XX/XX/XXXX - {$250.00} ; {$120.00} XX/XX/XXXX - {$180.00} XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$110.00} ; {$140.00} ; {$98.00} ; {$220.00} XX/XX/XXXX - {$170.00} XX/XX/XXXX - {$130.00} XX/XX/XXXX - {$100.00} ; {$250.00} ; {$70.00} ; {$100.00} ; {$220.00} XX/XX/XXXX - {$120.00} ; {$240.00} ; {$100.00} ; {$100.00} XX/XX/XXXX - {$110.00} XX/XX/XXXX - {$130.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$250.00} ; {$160.00} ; {$190.00} ; {$160.00} ; {$100.00} XX/XX/XXXX - {$140.00} XX/XX/XXXX - {$87.00} ; {$90.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$96.00} ; {$52.00} ; {$84.00} ; {$69.00} ; XXXX ; {$20.00} ; {$72.00} I am requesting that the fraudulent charges be corrected and refunded to my account as well as any any finance charges related to the disputed amount be credited to my account, and that I get an accurate statement. 
The following is my police report number : DC # XXXX, supporting my efforts to help resolve and take appropriate legal actions regarding the unauthorized use, and charges presented on my account for the above listed charges.
Consumer complaint received 2016-09-17
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

I sent money via Paypal ( see below ) to a friend, and after 6 days, that money is not accounted for in their account, my account, or in my paypal balance. 
I have been advised that the balance would show up in my papypal account on Thursday, I have been advised that the balance would be returned to my bank account, and I have been advised that the payment was sent. As you can see, these XXXX options do not match, AND, none of them are true. 
XXXX XXXX 2016 XXXX XXXX Money Sent Loading transaction details for XXXX XXXX Money Sent -negative {$300.00} Repeat this transaction Close Paid with XXXX BANK XXXX XXXX Transaction ID XXXX Sent to XXXX XXXX XXXXXXXXXXXX Details Sent to XXXX XXXX {$300.00} Fee {$0.00} Total {$300.00} See details on classic site
Consumer complaint received 2016-10-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On my Transunion credit report, there are XXXX adverse accounts According to this report : XXXX. Both balances are over {$600.00} as of XXXX, XXXX. 
Date opened XXXX/XXXX/XXXX. Revolving account. 
This account is unfamiliar to me. I have never even used a XXXX XXXX card. I have tried to find information on the details of the transactions on this card, with no success. I will pay the balance on this card if it can shown to me that I used it. To my current knowledge, this card was never used by me. I 'm upset by this. My credit score has suffered greatly due to this matter. 
Including losing XXXX XXXX XXXX XXXX cards due to my low credit score.
Consumer complaint received 2024-03-19
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: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-06-05
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. (MI)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020. 
XXXX. XXXX & XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020.
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion will not investigate to verify the XXXX XXXX bank cards are closed and paid off XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX BANK Credit Card XXXX XXXX, 2015 Open - Current No Missed Payments {$59.00} 30 % of Credit Limit* XXXX Credit Card XXXX XXXX, 2015 Open - Current No Missed Payments {$130.00} 66 % of Credit Limit*
Consumer complaint received 2017-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have no morage taken out in XX/XX/2014, because I do n't have a home to take a morage out on I own a trailer house. Also I no longer have a loan out on my vehicle it was repossessed and sold by XXXX.
Consumer complaint received 2015-06-10
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (CA)

I signed up for a XXXX XXXX XXXX XXXX XXXX credit card with US Bank that had an enrollment bonus of XXXX points after making {$3500.00} in purchases. After completing this {$3500.00} spend, I only received a XXXX point bonus. I would like the full amount as advertised and agreed upon prior to my application. 

I confirmed the enrollment bonus with a rep on the phone after I received the physical card. 

There is a lower level card available from US Bank that only gives XXXX points, but I confirmed with the rep that my account was the XXXX Signature version, which should be awarded XXXX. 

I emailed on XXXX and XXXX, and called on XXXX, but this issue has not been resolved yet.
Consumer complaint received 2015-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (MI)

Multiple Addresses Incorrect. 

I have NEVER lived at the following addresses reported : 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
Consumer complaint received 2016-08-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (IL)

I was promised a low interest rate upon my auto purchase, but I received one that is on a scale ... .the interest rate starts out so high like {$120.00} @ month then slides as the car loan gets closer to the end. I did not want this and asked BMW for their promo rate of 0 % like many car dealerships are offering. BMW Financial has refused. Their advice was to refi after 6 mos and when I tried to do that, they gave me a higher int rate than I am currently offered. All I want is for them to reduce the interest rate as promised.
Consumer complaint received 2016-12-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (NY)

Our account was just transferred to another servicer. From XXXX to SLS. 
All of the documents requested by XXXX was submitted. They had a complete modification package according to the representative assigned to our account. 
We had no idea our loan serving had changed until we received the letter. 
SLS sent us a letter of denial for a loan modification that they did not process.
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I opened up a new checking account and savings with Huntington bank today. They did not give me a temporary debit card IAM unable to pay my bills and draw out money. Once again a bank is ruining my life IAM about to get evicted because I can't draw out the money to pay my rent
Consumer complaint received 2017-03-13
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (NY)

Citi Cards canceled my credit card without giving me any notice. The letter I got from them a week later was dated the day my credit stopped working. I was told by customer service the loyalty points I had accrued would be valid for 60 days but when I checked later on they were also canceled. From XXXX I have gone to XXXX point when I was told that I was welcome to use all of them before expiring 60 days after the card cancellation date. I have no debt, paid my bills on time and have very good credit.
Consumer complaint received 2017-03-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY (AE)

My husband and I are XXXX and we recently had an issue with our mortgage payment. While we had been overpaying our mortgage for the last 2 years, a change in the monthly escrow payment in XX/XX/XXXX resulted in an underpayment situation. While we were paying our mortgage payment each month, we were slightly off ( XXXX-XXXX USD ), and as a result our credit report now reflects two 30 day late payments. To be clear, we sent our mortgage payment each month, but because it was not the right amount TD Bank marked us as late until they received the next month 's payment to apply the additional {$20.00} needed. TD Bank sent notifications of the change in escrow, not to the right address. From talking to two separate TD Bank reps I understand in our account notes it shows a long history of returned mail since XX/XX/2016. Despite this mail being returned TD Bank did not call our telephone numbers on file or email us. Since initiating the dispute I looked at my account online and found I HAD updated our address online, but TD Bank required I send this request in formal writing. I did not see that request in my online account message board. 

In the attached paperwork you will see we requested TD Bank remove the two 30 day late records- based on the mail issue, the fact we were sending in payments on time, just the wrong amount, and our history of timely payments that were in fact over-payments, vice under. We also attached XXXX ( like XXXX ) explaining we are XXXX, which helps to explain why we were n't getting the mail. This is an important issue to us, as our credit scores had been XXXX, and now they have dropped significantly. 

Depite all this paper work TD Bank refused to remove the two 30 day late notices. I believe they should remove these notices as : we had updated our address online, but their system did not reflect same ; we had a positive overpayment history with this mortgage ; and TD Bank made NO EFFORT to contact us via the valid telephone numbers and email addresses online, dispite getting all correspondence returned to them. 
We appreciate your attention in this matter. Please advise if you need any other information from me. Regards, XXXX XXXX
Consumer complaint received 2016-09-15
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY (MD)

This is about my Target Credit Card. In XXXX of this year, I made a payment on my Target card with my checking account. The payment was returned by bank, It was a mistake by my bank. In XXXX I made my Target payment in the store with cash. A week or so went by and the payment was not posted. I called Target credit and inquired as to why.my payment was not reflected. I was told that since my XXXX payment had been returned, they were holding my XXXX payment for 12-15 days. I asked why as the payment was cash. I never did get an answer. I then made my XXXX payment in the store with my debit card ( also a cash transaction ) and again my payment did not show up. I called and was told that since my XXXX payment had been returned, no matter how I make my payment for the next 6 months, it will be held for 12 to 15 before posting. I asked when was this policy made and why did Target not inform it 's customers of this change. The representative told me we do not have to mail you any thing, now you know and hung up on me
Consumer complaint received 2017-05-24
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: Fidelity National Information Services, Inc. (FNIS) (ND)

I am a victim of identity theft and someone stole my personal information to open a checking account with   XXXX   XXXX   XXXX   :  XXXX , the account do n't belong to me. I have disputed this matter with   XXXX   XXXX   numerous times and have sent   XXXX   XXXX   a police report in regards to the fraudulent and unauthorized checking account. I have never had a checking account with   XXXX   XXXX   XXXX  .  DOB  :  XXXX / XXXX /  XXXX  , SSN :  XXXX
Consumer complaint received 2022-09-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I submitted a dispute for an item on my credit report stating I owe when I dont. The investigation was opened on XX/XX/2022 and still has not been resolved. 

Ive called multiple times and been placed on hold for extended periods of time without being able to state my concerns. 

I am unable to clear the other items on my report that transunion is incorrectly reporting, because only one dispute is able to be in progress at a time. 

This bureau is reflecting 75 % of my information inaccurately. I dont know if theres anything I can do to have them verify the information theyre presenting, aside from constant disputes, which are being extended beyond the period designated.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (NY)

Discover account number XXXX XXXX XXXX XXXX I was denied an extension of my own consumer credit under my own open end consumer credit. 
This is adverse action pursuant to 15 USC 1681 ( a ) ( k ) ( 1 ), and 15 USC 1691 ( d ) ( 6 ), UCC 8-105//UCC 8-502
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (CA)

In accordance with the fair credit reporting act XXXX  account XXXX 's XXXXsynchrony XXXX XXXX acct # XXXX, has violated my rights 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I have the right to privacy as well as they have the responsibility of reporting with fairness.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] section 604 A section 2 : Also states a consumer reporting agency can not furnish a account with out my written instruction 15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

To Whom This May Concern, After reviewing my credit report, I noticed that the balance being reported for my self secure credit card through XXXX XXXX is reporting inaccurately. You have a balance of ( XXXX} ) of being owed and according to my records that amount is inaccurate. 
This account should be listed as ( paid in full ). These accounts appear to be furnished by the same creditor so why is all the provided data different. 
I have attached a copy of ( my credit card statement that proves your balance is in correct ). 

Thank you,
Consumer complaint received 2015-08-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (DC)

In anticipation of my loans entering repayment after an in-school deferment, I e-mailed a NJClass representative to ask about my bill due date an the amount. I was given incorrect information, and as a result my account is currently delinquent. The e-mail history is attached here.