davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2022-09-05
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. (NC)

There is a charged off account on my credit report. Its reporting as open, but it is charged off. 
How can a charge off account be open. 
Thats illegal.
Consumer complaint received 2022-09-05
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. (TX)

I asked the credit bureaus to do a verification of everything on my credit report, they did and also stated that everything was accurate. I did research myself and found inaccuracies on my credit report even after they said they did full research. In accordance with Fair Credit Reporting act XXXX XXXX XXXX account # ending in XXXX, XXXX XXXX ending in XXXX, all XXXX XXXX XXXX  Accounts ending in XXXX all have violated my rights. 15 U.S.C 1681 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 an account without my written instructions.
Consumer complaint received 2016-09-29
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo has, on multiple occasions, debited my business checking and business savings account {$3.00} for viewing an image of a deposited check online. This is a feature on their website that is offered without any mention of a fee being incurred when you click on the link to view the image. I can look at check images for free in my personal checking account, but not on the business account. 

This strikes me as a penny ante way for Wells Fargo to dip into their customers accounts without expressed permission, at a low enough fee that it will go unnoticed by most. But today it got worse. I found the charge for viewing a check image on my business savings account. I have n't deposited a check into my savings account in over 6 months ( I typically make all deposit into checking, then transfer funds to savings ). It 's not even a possibility that I would have viewed a check image in my savings account last month, but they withdrew a fee from it anyway. 

I think its a sad state of affairs when a bank tricks its clients into incurring fees online without any sort of warning. I find it ridiculous that I should have to comb through my statement each month to see if my own bank dinged me with a ridiculous penny ante scheme.
Consumer complaint received 2022-09-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

My credit card was used in XXXX when I am not in the country me and my family was out of country from XXXX XX/XX/XXXX .I came back in XXXX XX/XX/XXXX XXXXAfter some time I received calls and notices from debt collectors I wrote to them that this is not my debt I want to start the dispute because this was happened when I was not in the country. 
Original creditor HSBC Original creditor account number XXXX Date of charge off XXXX XXXX Current owner of account XXXX XXXX XXXX XXXX Current balance {$7900.00}
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

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.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2016-09-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

I have an escrow account with Wells Fargo Home Mortgage. The loan was originated in XXXX, XXXX. I received a notice from XXXX XXXX XXXX XXXX that I owe interim school taxes for XXXX school year. In researching the amount of taxes that have been paid out of my escrow account I found out that Wells Fargo has withdrawn in excess of $ XXXX. The school taxes should have been closer to $ XXXX for the entire period that I have been in the house. I contacted XXXX XXXX XXXX to find out what has been paid on our behalf and found out that they have records of only cashing {$16000.00} in checks from Wells Fargo. 

I was told that I need to find out from Wells Fargo the copies and amounts of the checks that were sent to XXXX XXXX XXXX to pay for my school taxes. In reaching out to Wells Fargo they have repeatedly said that they were " investigating '' the funds being removed from my account, but I have yet to receive any form of response from them as to the disposition of my account. I have been trying to get the XXXX issue resolved for over a year ( originally brought to Wells Fargo 's attention in XXXX ) and have been actively engaged in attempting to resolve the escrow discrepancy since XXXX/XXXX/XXXX. 

I expect to receive a full refund of any amounts that were removed from my account and not used to pay school taxes, as well as any accrued interest on those funds from the date that they were pulled out of my account.
Consumer complaint received 2016-08-18
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Global Asset Management Group, Inc. (TX)

Called me from GF Group, and had someone locally also call my phone claiming they were going to send someone to issue me a summons. On a bank that I have n't had in years! Wont provide me with a way to legitimize their business. Can not get any info from them.. very rude.. called me from XXXX different number + blocked numbers. Gave me a fake case number. 

Harassing my phone and threating me with legal action.
Consumer complaint received 2022-02-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Stark Collection Agency, Inc. (IA)

Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with THE STARK COLLECTION AGENCY. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.
Consumer complaint received 2017-02-02
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Adjusters, LLC (TX)

This company, National Credit Adjusters, contacted me a little over 2 yrs ago reporting that legal action would be taken on me if I did n't settle a debt from XXXX. They cited my address, social security number and email address, but they did not have all the correct information and I would not verify a single thing for them. 

I have never heard of XXXX and have never taken a payday loan out in my life. I reported NCA at that time, but never heard anything of it and they stopped calling me as I was threatening that I had already reported them and would continue to do so. 

Now, I just received another letter from them, 2 yrs later, stating the same debt and ways I can take care of it ( attached ). They are a scam. I asked every person I spoke with for their name and would search for them online. When I did n't find them, I 'd call them out and ask them to tell me one social or professional profile of theirs I could look up to verify they were who they say they are ... of course, not one of them had anything to tell me. 

I let them know I very familiar with my credit report and would continue reporting them as fraud if they continued to contact me.
Consumer complaint received 2015-11-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

wells fargo has denied me a loan modivation which I qualify for.they have changed my case maneger 3 times and never return phone calls.they have wrong information on my financels.I finalley got a hold of some one to find out why I got denied and there number of my monthly income got put in computer wrong.so I resubmitted.and know one called and now XXXX XXXX they started forcloser and I just got letter in mail 3 days ago.I have been in my home 18 years and have had my XXXX 30 years.my interest rate is XXXX wells fargo has been very challenging to deal with its because I have a little equity in my home they will not give me loan mode even though I qualify. I am a hard working single female.XXXX is why I feel behind she is XXXX and had to help her, I am only behind XXXX payment over the last 3 years, if they lowered my rate and added past payments on back of loan I would be fine.
Consumer complaint received 2016-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Trans Union had a glitch in there system that violated the rights of their consumbers under section 6.11. As a result, I have been gravely effected and my credit score is suffering as a result. No notice of was ever given which is also a violation. I am requesting that ALL inquiries be removed. 
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 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 XXXX
Consumer complaint received 2016-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is the last time I write about Transunion, next communication will be in the form of a court summons for violating my writes under the FCRA. I just received a letter of a supposed investigation that tells me no steps they took to investigate and no proof. Send me irrefutable proof in 30 days or I will see you in court.
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (RI)

Dating back to XXXX 2015 I was contacted BY XXXX regarding my auto loan. They claimed I was not paying my loan and reported me to the credit bureaus. I tried to work with XXXX, providing documentation, including trace numbers from the bank and they sent me in circles for months. XXXX Bank advised me to file a complaint with all 3 credit bureaus. All 3 bureaus refused to investigate despite the substantiated documents that the lease was paid on time.
Consumer complaint received 2021-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I called BOA back on last XXXX regarding some fraudulent charges that I started noticing in my checking account statement several charges from XXXX XXXX which I had not authorized. I called the bank to investigate such charges and they asked me to send them the form called " Unauthorized ACH Return form '' which I have sent in at least 3 occasions but we have not had any resolution is been a long time trying to resolve this problem and up to now I have not received any resolution.
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX I applied and was approved for a CareCredit card through Synchrony bank for a credit line of {$14000.00}. I am having a procedure on XX/XX/XXXX and was told by my doctor 's office to apply for CareCredit, which is why I went ahead and did so. After being approved and giving my doctor 's office the account information, I was told by CareCredit nearly 2 weeks later ( today ) that I would need to submit additional verification for the account due to " potential fraud ''. Fine, however, they want me to PHYSICALLY MAIL a copy of my driver 's license and a utility bill to their Florida office. According to them, it will take 2 weeks to process the information after receipt of the documents. CareCredit/Synchrony ran my credit, put an inquiry on my account, mislead me to believe they were issuing credit, just to pull the rug out from under me at the 11th hour. My doctor processes all payments 2 weeks prior to XXXX  to ensure there are no issues ( understandably so ). Now CareCredit/Synchrony has put me in a very tough situation and I will have to secure additional funding elsewhere. Meanwhile, I have a worthless credit card that has affected my credit score. They baited me into applying, falsely approved me, and are now making me jump through hoops to receive the credit. I have a high score, highly liquid assets & income, and a well-established credit history. The most unbelievable part about the entire situation is that they would not allow me to email the documents over, it had to be physically mailed. In XXXX that is absolutely egregious.
Consumer complaint received 2016-04-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MI)

According to the previous mortgage statement the PMI has deceased but Wells Fargo informed me with an incease monthly payment. Wells Fargo reported to the credit bureau inaccurate information regarding the mortgage account. According to Wells Fargo customer services representive and credit bureau money schedule to be paid at the end of the mortgage. Additional information for the case I previous filed.
Consumer complaint received 2017-02-28
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (CO)

My attorney recommended that I work toward re-building my credit after XXXX and a Bankruptcy filing. I opened a secured credit card with Wells Fargo with {$1000.00} and a debit account based on a checking account with Wells Fargo. While traveling to Oregon, one of the two cards was misplaced and I could not find a bank obtain a new card and so just closed the lost card and never used any Wells Fargo accounts after the loss. 
Subsequently, when I applied for a loan to purchase a house, I discovered that I had eight ( XXXX ) accounts open in my name and as a result did not qualify to purchase the house because of " bad credit ''. This was all before the scandal of Wells Fargo opening accounts for people without them knowing about the accounts in their name. The fraud on the part of Wells Fargo has cost me personally in excess of {$50000.00} in moving costs, rent payments etc.
Consumer complaint received 2016-10-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (MD)

I ordered a XXXX service in XXXX of 2016. On XXXX XXXX, 2016 my husband 's card was charged {$440.00} for XXXX year of XXXX service. By the end of XXXX and into the first week in XXXX, XXXX failed to provide service to me. I called and called multiple times, created an online profile, requested service, called the branch and attempted to get a straight answer or time for when service was to be rendered at my home. I would get calls from " technicians '' that they ca n't make it, they are late, they will come in another 2 hours etc., but to no avail. They never showed up. Finally, I called the branch and cancelled my service, per their satisfaction guarantee. The associate told me the service was cancelled and they will refund me the amount they owed me of {$440.00} because they failed to service my home as promised. I never received the credit. Accordingly, my husband disputed the charge with his credit card company, who after 60 days of dispute resolution with XXXX, received the credit from XXXX and credited my account with the total on XXXX XXXX, 2016. I have no heard of this issue since XXXX XXXX. Today, on XXXX XXXX, 2016, I received mail from a COLLECTIONS AGENCY : Focus Receivables Management , LLC, which states that they are going to report to my credit reporting agencies that I owe {$240.00}. I have no idea where they got this number from or why they would not have sent me a bill. I have received NO correspondence from XXXX, no bills in the mail, nothing via email, nor via my online portal. They gave me NO NOTICE whatsoever of this " outstanding '' amount owed. All of a sudden, I received this letter of collections as reported by XXXX. It is incredible to me, that a company which neither provided the service as promised, nor could resolve the lack of service issue, nor could cancel my account properly, nor refunded me the money, has the audacity to at this point send my information to a credit reporting agency and collections agency, without providing me any advance notice, and by trying to bill me a doctored amount of {$240.00}. I have called XXXX and they are now sitting on their hands. They have no apparent urgency in trying to resolve this matter, despite the fact that in 30 days the collections agency is going to report on the status of this account. I am appalled at the lack of customer service, the cheating and manipulative tactics of this company and the lack of apology or ability to quickly resolve this matter! Furthermore, this was charged on my husband 's card, and yet they submitted my name for collections. It is clear to me now how XXXX has remained in business, and that is by unduly influencing people into buying their service, failing to render service, and then reporting them for false debt to collections agency, all the while failing to resolve the matter.
Consumer complaint received 2017-02-21
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (AL)

I purchases clothing items from XXXX on XX/XX/2017 and after receiving the items I noticed that they did not come from XXXX but a third party. After examining the items, a couple of the items were damaged and the others were of very low quality. I contacted the company by email and requested that the items be returned. All I can get from the company is a run a round and that they will issue me partial refund and I can keep the items. This is not acceptable since the refund is about 1/3 of the cost of the items. The last contact with the company was XX/XX/2017 and still they are insisting on partial refund of the items.
Consumer complaint received 2022-02-11
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. (NJ)

I have an account that is not mine and inquiries that I did not authorize or make. The account in question is XXXX XXXX Account number : XXXX Opened XX/XX/XXXX. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX. This account nor inquiries are mine. I am a victim of Identity theft and demand these items are investigated and removed.
Consumer complaint received 2021-01-26
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. (SC)

I've sent multiple letters seeking investigation on different items that are reporting on my credit report and the credit bureaus have failed to respond to any of my letters.
Consumer complaint received 2022-09-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-02-11
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. (SC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-11
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: EQUIFAX, INC. (SC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-09-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.