davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-04
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. (IL)

1. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Transunion is only one Bureau who keeps reporting this negative account on my credit history. 
I am a victim of Identity Theft
Consumer complaint received 2020-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank Of America once again STOLE {$500.00} from my account. I deposited a XXXX XXXX Money order in my account and Bank Of America accepted the deposit but then debited my account. They just say refer to Maker, I contacted XXXX XXXX but they say it is a Money order and was paid and they can not reissue the money order. This is not the first time it happened with Bank of America and unfortunately the only way these crooks refund the money the steal from us is by filing this complaint. Their toll free number is part of their fraud while you hold for long time and then they say they can't do anything. 
Attached is sufficient information to confirm that Bank of America Stole this money and as always they will delay the answer for a while the send a computerized answer and then refund the stolen money. I believe this criminal practice should be investigated as Bank of America has doe it to me before and probably there are more victims of these XXXX.
Consumer complaint received 2022-04-07
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)

I recently received a copy of my TransUnion, XXXX and XXXX credit report, and i noticed these accounts that i have disputed came back as accuracy and verified. 
Under U.S.C 1681 section 602 A states i have the right to privacy.

Under U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collection may not communicate with a consumer in connection with the collection of any debt.

Under USC 1681 these agencies are all in violation to be reporting late payments on my credit report also.

So they all in violation reporting Late payments, charge offs, collections and two { XXXX  } bankruptcy.
Consumer complaint received 2022-08-12
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)

in accordance with the Fair Credit Reporting actI XXXX XXXX Account # XXXX, has 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 a account without my written instructions
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (CT)

GM CARD by MARCUS, owned by Goldman Sachs. Signed up for " paperless billing. Did not receive ANY email notification of bill, nor any reminders of any due date. Finally I receive a notice that I am " 4 days past due '' ( somehow magically THAT ONE gets to me ). Customer service beyond useless- one hour, two agents & one " supervisor '' who claim " the system will not let them reverse the fee ''. Every other CC I own- reverses a late fee, regardless of blame, if it is the first. That pretty much sums up the XXXX company it appears I am dealing with. 

CC # XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-29
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. (VA)

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX/XXXX XXXX XXXX XXXX XXXX with a date of XX/XX/2005 and a phone number of XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.
Consumer complaint received 2016-06-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (GA)

I am a mortgage customer of Wells Fargo Mortgage. My mortgage was " modified '' in XX/XX/XXXX. When I received my first payment coupon I noticed an amount of {$7800.00} listed as " Unpaid XXXX principal balance. '' I have requested a disclosure statement which would detail what constituted an unpaid principal balance several times from Wells Fargo over the past three years to no avail. My most recent inquiry on XXXX/XXXX/XXXX with a customer service rep named XXXX XXXX resulted in a pledge from XXXX XXXX to e-mail me a loan document which would itemize the charges making up the unpaid principal balance within 24 hours. I have yet to receive the document which is the same result I 've encountered over the past three years reflecting egregious and repeated behavior by the mortgage department. Any closing document, including a loan modification, is required by law to itemize each charge to the borrower. The fact that Wells Fargo Mortgage has continually failed to produce details on this charge leads me to conclude that the unpaid principal amount may have been for late fees, attorney fees and other charges which should have been waived under the Government 's borrower modification programs which the Bank may have used in my modification. Additionally, they may have used my loan as proof of their requirement under the omnibus settlement with the Federal Government to rectify past mortgage abuses. In any event, my complaint is being filed to force Wells Fargo to " itemize '' the amounts used to create this unpaid principal balance so that I may know upon sale of the home what may be legally deductible or not. At the very least their continuing failure to disclose clearly may be unlawful. Thank You. My loan number with Wells Fargo Mortgage is : XXXX
Consumer complaint received 2021-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (VA)

I decided to zero out the Comenity Bank credit card in XX/XX/2021 due to 1 ) not being able to use the credit card at all, 2 ) due to the outrageous amount of money I had paid for 2 fishing poles from XXXX XXXX, which was my only purchase. In XX/XX/2021, the balance was {$37.00} and there had been no additional charges. Prior to the due date or either on the due date, I was given the run around when I tried to pay off the {$37.00}, I was told I had to pay {$35.00} in store and pay the additional {$2.00} over the phone or online. So on the same day I made two payments equaling the exact amount of what was due. During the said day, I spoke with two maybe three customer service representatives and I advised that I was not happy, and that I wanted nothing more to do with Comenity Bank since my credit limit had been cut in half due to me not using the card, and secondly because I could never use the card to make any purchases only the first for the two fishing poles. After the last and final payment in XX/XX/2021, I was advised that the balance was {$0.00} and that I would be in jeopardy of Comenity Bank closing the credit card if I did not use the account/credit line. Again, I could not use the card and I was not interested in doing further business with Comenity. Fast forward to XX/XX/2021, Comenity Bank has somehow charged my {$2.00} in the month of XX/XX/2021. I was not aware of the {$2.00} charge and since then Comenity Bank has assessed two late fees in the amount of {$14.00} and it has affected my credit negatively. When I contacted Comenity Bank to inquire and resolve the issue I was told that the {$2.00} charge was assessed in XXXX and it was interest. However, this is fraudulent because I made no purchases and the entire bill was paid on/before the due date in XX/XX/2021. So there should have been no additional charges or fees. According to the 2/3 representatives I spoke with in XX/XX/2021, on the date I made the final payment, I was advised the balance would be {$0.00} and I would be in jeopardy of the account closing. So now, Comenity being the underhanded and unethical company it is has charged my account {$2.00}, fraudulently. Just to continue collecting money and harming my credit.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (MD)

I applying for a job on XXXX, First Advantage did a backround check on me, it came totally mix with other people with the same names with criminal records, i do not have any criminal records, places i never had any problems, i told them my identity was stolen, i did my own backround check and nothing like that comes up. They keep sending me the same backround ckeck not willing to help. I spoke with an XXXX XXXX she anderstud that was someonelse. I report to Identity deft my file is XXXX. They stole my social security, my bank accounts, my credit was freeze 4 times.
Consumer complaint received 2021-09-13
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (VA)

Care Credit contacts me at least 5 to 7 times each day and on the weekend. I have been repeatedly harassed by them on a daily basis multiple ways and after asking them to stop, I started getting harassed more. They call 2-3 times a day, email 2-3 times a day, and also text me 2-3 times a day. This is illegal and is harassment. I want the CFPB to understand that they DO NOT STOP and if you say something, they make even more attempts to harass you. I can't tell you how many times I have opted out of texts and asked that they stop calling multiple times a day. I will get an attorney next if this isn't taken care of.
Consumer complaint received 2020-07-13
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. (TX)

XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX Account XXXX The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX/XXXX  Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX/XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX/XXXX   Account XXXX The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX/XXXX  Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX/XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX  XXXX XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated filed ftc not done anything
Consumer complaint received 2019-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION (CA)

My complaint is with the Navy Federal Credit Union. They are charging my credit card account with cash advance fees and high interest on the cash advance when there are no cash advances from my credit card. I have talked to an agent and tried to solve this problem but to no avail. Please help me solve this problem with my credit union. Thank You.
Consumer complaint received 2020-05-29
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. (FL)

Since 2016 I have attempted to resolve this dispute with XXXX XXXX XXXX XXXX, and the CRA 's. My identity was stolen by my twin brother, who financed a vehicle in my name and opened several credit cards and bank account in my name, my credit score at that time was XXXX, it is below 500 now. I submitted an FTC Identity theft report and police report to XXXX XXXX XXXX over ( 3 ) times over the course of 4 years. When I file a dispute with the CRA 's, and notify them that I am the victim of identity theft they keep reporting the information furnished by XXXX XXXX XXXX as accurate and will not allow me to submit another report. I supplied the FTC Affidavit and Police Report to the CRA 's and still no change.
Consumer complaint received 2018-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (FL)

AmSher is attempting to collect on a debt that I do not owe. I mailed a certified debt validation letter to their company requesting specific documentation to validate the debt which are a signed contract with my signature binding me to this debt that they are claiming I owe. Also I asked for information regarding how much they paid for the debt, and other important documents which I have not received therefore the debt has not been validated. AmSher only sent an account summary no signed contract. By law the FCRA requires debt validation which has not been done by AmSher they are in violation with the FCRA and I will file a lawsuit if this debt is placed on my credit reports!
Consumer complaint received 2020-05-29
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. (FL)

Since 2016 I have attempted to resolve this dispute with XXXX XXXX XXXX XXXX, and the CRA 's. My identity was stolen by my twin brother, who financed a vehicle in my name and opened several credit cards and bank account in my name, my credit score at that time was XXXX, it is below 500 now. I submitted an FTC Identity theft report and police report to XXXX XXXX XXXX over ( 3 ) times over the course of 4 years. When I file a dispute with the CRA 's, and notify them that I am the victim of identity theft they keep reporting the information furnished by XXXX XXXX XXXX as accurate and will not allow me to submit another report. I supplied the FTC Affidavit and Police Report to the CRA 's and still no change.
Consumer complaint received 2016-09-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NE)

I initiated a funds transfer of {$1000.00} from my current account at XXXX Bank in XXXX to my checking account in the U.S. at Wells Fargo Bank. When the money did not show up in my account within the 10 days, I revisited the transfer information, and found that the first XXXX numbers of my WF account number were missing. I contacted XXXX and they initiated a trace on the funds, suggesting I lias with WF. I immediately visited my personal banker at WF and she did a computer search for the funds with no success, as well as escalating the search to the XXXX team, which found no trace off the funds. I received an email from XXXX stating they received a reply from WF that the funds had not been applied because name and account number did not match. I immediately within XXXX hour of receiving this notice sent XXXX the correct and full account number and name and received immediate reply from XXXX that they were sending WF the amended information. After waiting again with no deposit to my WF account, I again visited the personal banker and was told that they could not find the funds. They instructed me to again request the XXXX to recall the funds. When XXXX eventually received a reply from WF that " Beneficiary has denied debit authorization ''. XXXX assumed that the funds were applied to my WF account. That was not the case. After repeated trips to see my WF personal banker, the personal banker was able to find that the funds were in someone else 's account. I asked how could that be if the name and number for that account did not agree. The personal banker instructed me that I would have to request XXXX recall the funds once more, then, if the person who did receive the funds did not release them, the personal banker herself ( and her supervisor ) would contact the person and try to retrieve the funds. I contacted XXXX once more, they again received the reply that " beneficiary has denied debit authorization ''. I returned to my personal banker only to be told that WF could not go into the account and retrieve my funds. Her supervisor told me that i would need to seek legal representation if I wanted to pursue this matter further. I questioned her why the funds were put into an account where the beneficiary name and account number did not match. She did not give me an explanation as to why this was done, nor did she admit that it was an error on the part of WF.
Consumer complaint received 2020-07-13
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. (TX)

XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX Account XXXX The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX/XXXX  Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX/XXXXXXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX/XXXX   Account XXXX The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX/XXXX  Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated JXXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX/XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX  XXXX XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated filed ftc not done anything
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My first contact with the XXXX XXXX XXXX was XX/XX/XXXX to dispute the late payments. I contacted the XXXX XXXX XXXX  again by fax in XX/XX/XXXX to dispute the inaccuracies once again. My student loans date back to XX/XX/XXXX. The agency is reporting the accounts as being 90/120 days late in XX/XX/XXXX. I advised the agent when she contacted me by phone about the deferment being approved during that time period as she agreed, but not backdated to the date in which was requested as the reported delinquent timeframe, as stated in the agreed contract. She stated it may be an error, but because it was awhile back it can not be rectified. This was not a satisfying resolution for the fact it is showing inaccurate, due to staff error and causing me to reflect a low credit score. Later in XX/XX/XXXX, I submitted another complaint through Equifax and received a " verified and confirmed '' status without investigation. Recently, my student loans were consolidated and are in good standings. The issue of the late payments are not my error and the agency has refused to cooperate with resolving this issue.