davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (CA)

Consumer Financial Protection Bureau XXXX XXXX. No. XXXX XXXX Please reference the number above. This complaint is not resolved. The approved police number with Sac. Sheriff is XXXX. 

See attached statement I received. It does not list the transactions for the {$67.00}. Again, I did not apply for a XXXX, XXXX, and XXXX XXXX card. I never activated it. I never used it. When I called Comenity Bank, they were unprofessional and honestly a bit flustered. They said the card was used at XXXX 's XXXX Supplies and XXXX XXXX XXXX gas ). I have only been to XXXX 's XXXX  XXXX  ONE TIME and I used a different card there! I should not have to pay this balance! 

When the card arrived, I called Comenity Bank to report the fraud. I made a police report. I contacted the Attorney General who advised me to do CFPB complaint. 

This needs to be reopened for an investigation, it's ridiculous! This affects my credit score!
Consumer complaint received 2019-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NJ)

My loan was sold and is now being serviced by Fay servicing. I was sent a bill where my mortgage went up {$160.00} a month and they claim its due to escrow shortage. My payment was and has been for a long time XXXX the only increase would be in tax increase, Fay servicing changed my payment to XXXX and says its due to escrow shortage. They are requiring XXXX in escrow. I have asked them to send me documents on this and they havent sent me anything. I was not late in my escrow payments and I was Current on all my payments. I told them I lost my job in XXXX and I simply cant afford it. I dont understand why they require more escrow than any other mortgage company or service lender. This is consumer exploitation and they arent providing any documents to justify their decision of 2 months escrow. I never signed any paperwork agreeing to their terms or given the choice to have another lender service my loan. This is unscrupulous practices and deceiving to the consumer.
Consumer complaint received 2022-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX XXXX and I am not working with or have I been influenced by any 3rd party or credit repair entity. I have attached my full complaint for review.
Consumer complaint received 2021-04-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Thursday XXXX XXXX at XXXX XXXX, I tried to ACH transfer money from my Bank America checking account XXXX, to my XXXX account which i have transferred money to before, it ells me that i have to call to transfer because of the amount of the transfer and keeps me on hold for over 20 minutes. However, if I am willing to use the wire method and pay Bank America {$30.00} to wire the money, it lets me do it without any delay or calling them. I am still on hold after 20 minutes and think that this is just a delay tactic to get me to pay {$30.00} for a wire transfer when it is not necessary.
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is XXXX XXXX, and I am submitting this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiry is being reported to my personal file. The TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiry is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry from my credit file. I need the following Inquiry to be removed as soon as possible. 
XXXX XXXX  XX/XX/2022
Consumer complaint received 2021-04-02
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. (VA)

Mailed the letter to EXPERIAN for their violation pursuant to FCRA 604 - 15 USC 1681b. Permissible purposes of consumer reports. I, XXXX XXXX XXXX XXXX being the original creditor and consumer never gave EXPERIAN any written consent, and no authorization to report anything on my consumer report. No consent is Identity Theft. 

Please see attachment
Consumer complaint received 2017-09-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: M&T BANK CORPORATION (NJ)

IF YOU NEED THE PROOF, I HAVE ALL THE COMPLETED DOCUMENTS TO CONFIRM MY CASE .... 

I WANT THIS FIXED PROPERLY & I KNOW WITHOUT YOUR HELP THE BIG BANK WILL NOT TREAT THE CONSUMER FAIRLY ... .THAT IS WHY I 'M CONTACTING YOU. 
IM SURE THAT I 'M NOT THE ONLY PERSON THEY ARE BREAKING THE LAW WITH THIS SITUATION IF THEY FEEL THIS COMFORTABLE DOING IT TO ME. 

I HAVE TRIED AND THEY CONTINUE TO DO THE SAME THING OVER & OVER & OVER AGAIN ... .THIS LOAN IS ALMOST 11 YEARS OLD .... XXXX 2007 THEY ARE BREAKING THE LAW, IF IT WAS ME I WOULD BE IN JAIL ... ..
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX 3 fraudulent charges appeared on my Wells Fargo Business checking the XXXX XXXX in XXXX, NY ( totalling {XXXX} ). I noticed the charges on XX/XX/XXXX and immediately cancelled my card and reported the charges. Wells Fargo opened a fraud claim and ordered me a new card. A week or two later I was informed that my claim was denied because they believed I authorized the charges. I informed them that was not at all possible. I was in XXXX FL at the time working, and had my debit card with me. They told me the charge was made via XXXXXXXX XXXX  which I do not have nor have ever had. I asked to speak to a manager. I explained the situation to the manager/supervisor agreed it seemed like it was fraudulent and re-opened my claim. They asked for 10 business days to make a decision. I contacted them after probably 15-20 business days ( after receiving no correspondence ), and again was informed that my fraud claim was denied. About a week later I reached out to my local branch manager informing him I was considering closing my account because I no longer felt protected by Wells Fargo. He said he would file a complaint on my behalf. A few weeks ago I received a letter that my claim was still denied, and that the decision was final.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am writing this due to non-compliance with the CRA ( Equifax ). I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They are not following E-Oscar and Metro 2 compliance protocols that the FCRA has in place and violating the FCRA. I believe that they are being in non-compliance with the federal law. The company came back and said that the account is accurate but have not produced any documents. I have disputed this item numerous times with inaccurate information being reported. There is no way that this trade line is reporting accurately. I wrote them on XX/XX/XXXX, along with a copy of my credit report outlining the inaccurate information and they responded on XX/XX/XXXX saying that the tradeline is reporting accurately and updated. It shows I was 60 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. How can that be? How can I be 60 days late 6 months in a row? What happen to the 90 days late, 120 days late, and etc. The payment history is inaccurate.
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (TX)

XXXX XX/XX/XXXX I spoke with GM Financial Customer Service and a customer service supervisor who was able to note my account and approve to reverse the late reporting for XX/XX/XXXX in XX/XX/XXXX this was a huge step as I have disputed this for over a year I was told this would be resolved in 45 days or less I was also told I would receive a letter in the mail showing the corrections. I have sent emails and called GM Financial to only find myself holding on the line for two or more hours and then get hung up on by customer service and collections. when requesting a supervisor I am told someone would call me back and that never happens furthermore when I call in for status no one knows what I'm talking about and I have to talk to 10 people for the tenth person to finally read the notes and see where it has been documented that my credit would be reversed. however I would need to wait yet another week or two and I have although this is a violation the Federal Credit Reporting Act. I have a statement from GM clearly showing XX/XX/XXXX was in deferment their records would also show this I'm not sure why this would be so complicated. I have also provided the XXXX statement showing that my payment was late but never 30 days late this information is their own records. If only someone would simply read what I am providing there is nothing hard about this discrepancy. GM responses received are redundant they simply remind me of my contract terms and list what they are currently reporting late which is incorrect this is bad Business this is bad record-keeping and when you report incorrectly to all 3 bureaus this can be devastating 2 a customers such as myself this is my final attempt The Next Step will be the Federal Trade Commission who implement Credit Reporting Act guidelines which are very clear additionally there should be no late reporting on my account XXXX are errors XXXX lates were due to XXXX. 
I'm simply asking in your response to provide me your Executives contact not your supervisor I think this is very important to have someone review how long I've endured these discrepancies in the lack of effort to correct them and shouldn't go to legal action the amount of cost for something so small
Consumer complaint received 2021-04-02
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. (IN)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) -XXXX XXXX
Consumer complaint received 2021-04-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: FinCo Services Inc DBA Current (IN)

Hello. I bank with Current Bank. Its an online bank. I've been trying to log into the app to get to my funds. On Monday XX/XX/2021, was the last time I used the card. Tuesday XX/XX/2021 I could not log into the app to get my money. I've sent several emails to this company. They keep telling me different ways on how to log in the app but nothing has worked. On XX/XX/2021 I was told that my issue will be escalated but i haven't heard back from the company. No one is telling me why i cant use the app. I just can't. I pay all of my bills from the card that i have with them. All of my money that i have is on this account. Please can someone help me!
Consumer complaint received 2020-05-27
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)

applied for a XXXX credit card today XX/XX/2020 and I wasn't approved because there is an account reflecting badly on my credit report. The company that the account is from is called XXXX. I did not open an account with this company nor did I allow anyone to open this account in my name. I did not gain anything from this account being opened in my name such as money, goods, services or any other benefit nor did I ever make any payments towards this account. I do not have any written/verbal contract with this company and I never allowed them to run or access my credit information. I have already filed a police report regarding this suspicious account. I filed this report to the best of my knowledge.
Consumer complaint received 2021-07-04
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: Experian Information Solutions Inc. (VA)

Previous request was closed as duplicate!!! It was not resolved!!!! THIS DEBT DOES NOT BELONG TO ME! XXXX reported balance of {$620.00} which is not mine. It was reported and deleted from XXXX  and XXXX  now refuse to delete from my experian credit report account!
Consumer complaint received 2021-04-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN HONDA FINANCE CORP (IL)

I, XXXX XXXX entered a consumer credit transaction with Honda Financial Services on XX/XX/2018, which involved a finance charge. Pursuant to 15 USC 1605 ( a ), a finance charge is the sum all charges in a consumer credit transaction and does not include cash. Honda Financial Services has collected monthly payments from me since XX/XX/2018, which is in violation of 15 USC 1605. Also, Honda Financial Services failed to include my auto insurance which is to be included in the finance charge, pursuant to 15 USC 1605 ( a ) ( 5 ). Honda Financial Services failed to disclose to me my right of rescission and provide me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under Title 15 Chapter 41, my rights has been violated and Honda Financial Services is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692k
Consumer complaint received 2017-09-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commonwealth Financial Systems, Inc. (TN)

XXXX. XXXX XXXX XXXX I had insurance at that time. The hospital did not file it. I did n't know about it for 2 years, then got a letter from the collection agency for {$1200.00}. The collection agency threatened to sue me if I did n't pay. I am sending them $ 10.00- {$20.00} a month. I am on Social Security XXXX, a very low fixed income.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

My Equifax credit score is impacted by an error causing my score to be XXXX to XXXX points lower than what it should be. 
A false remark stating that I dispute the information of one of my XXXX account keeps showing up on my report when there is no such dispute. I do not dispute anything. 
Still it is the 4th time the following happens : - I notice that my equifax credit score has dropped suddenly from Excellent to Fair on just one day - I see on XXXX that the only change that occurred is that a remark stating that I dispute my XXXX credit card account information has been added- I call equifax to remove this erroneous remark since I have not filed any such dispute. They say it is an error and it should be removed in 72hrs. 
- the remark is removed and my credit score immediately goes back up to Excellent ( gains about XXXX to XXXX points ) - a few weeks later, the cycle starts all over again. The remark resurfaces. My credit score drops, I spend hours on a call with Equifax support explaining the issue again, they remove the remark, credit score goes back up, remark comes back several weeks later this has been going on for over a year. Each time they say the remark wont come back. 
I also contacted XXXX and they say they are not responsible for triggering the dispute remark, cant do anything about my credit score and claim that only Equifax can solve this. 
I am in the process of home buying and for mortgage purposes, I cant afford to have my credit score being wrongly affected by those unfair drops when my credit is actually in excellent standing. I already was denied a lease on an apartment last year because I had not realized that my credit score had again dropped before submitting my rental application Here is the reference provided by the representative on my last phone call to Equifax : XXXX
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

I banked with Wells Fargo for quite sometime. I use past tense because unfair acts caused them to close my accounts. 

I was having financial difficulties late 2021 due to my work as a process server slowing down tremendously with XXXX. My account accumulated overdraft fees approximately {$300.00}. A {$35.00} overdraft fee was added up every time something withdrew from my account, even if it was just {$2.00}. 

I received a XXXX stimulus payment around XX/XX/2021 that alleviated my negative balance and left me well into the positive. After, Wells Fargo took the liberty of not garnishing overdraft payments as a XXXX relief tactic. I was under the impression that this was final. No agreement was made for me to pay the fees in the future nor was I made aware the bank would blindly take from my account. 

About 6 Months later, still trying to recuperate financially and start on my new business venture as a XXXX XXXX XXXX, with out warning- Wells Fargo took over {$300.00} dollars from my account. That was my last at the time. I called and explained I was unaware of the reasoning, the agent explained it was from the overdraft fees they credited without permission nor agreement to my account. I exclaimed how I needed my funds and I was a mother having financial difficulties and trying to get out so this XXXX act was a set back. They were unwavering and unfair. I wasnt able to began my work nor accumulate funds from working to continue to keep my accounts in good standing as they were before Wells Fargo committed this act. My accounts began to overdraft and then Wells Fargo closed all 3 of my accounts and my credit card because of the financial downhill they initiated. This was all a chain reaction to Agreements not done in Good faith. I have since had to use prepaid debit cards.
Consumer complaint received 2020-11-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

I took out a flex loan in 2017 and was unable to pay the loan back and I instructed the bank to stop payment Because there was no money in the account and Advance Financial kept trying to take money out when there was no money in the account and it was keeping me in the negative so I had the bank put a block on the charges and for two years it had been put on hold like I asked. Today out of the blue a charge is now pending for {$130.00}. I need to have this stopped again.
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OR)

Today ( XX/XX/2021 ) I've tried contacting Equifax, the first person hung up on me on accident. The second tried to be helpful but their joke of a system wouldn't verify my identity. They sent a link to take photos of myself and ID, no big deal. Other than even with crystal clear photos it still denied the photos of my id until it denied me anymore. They haven't updated any of my credit report in 3 months and when I've done so much to get it up to be able to expand my company this is unacceptable. To not be able to get the help you need or even just keep denying the photos without any error or explanation is just sloppy. I'm not just disappointed, I'm angry, this is holding my income back exponentially and there is no excuse for any of this. Their agents aren't even able to give callbacks to the people their supposed to be helping. I really hope that something is done about this system since it is so important for people 's lives.
Consumer complaint received 2017-09-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I discovered that a USAA account was opened in my name. I do not do business with USAA nor have I ever. I am not even in the military or related to anyone that is. I am a victim of identity theft. This is not the first account that was fraudulently opened in my name without my consent or knowledge. I have attached documentation. I have filed a police report with the XXXX XXXX XXXX. The report ID is : XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.