davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX, AK XXXX ( XXXX  ) XXXX-XXXX Account was charge off and closed XX/XX/XXXX, Company is now showing new account balance of {$3800.00} of XX/XX/XXXX and also show as open
Consumer complaint received 2018-03-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (WA)

My name is XXXX XXXX. I'm currently live XXXX, WA. My phone number is XXXX, and SS # is XXXX. 

On XX/XX/2018 Around XXXX XXXX, I went to the Wells Fargo bank located at the address XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX to deposit money into my saving account ( Acct # XXXX ). Employee ( Teller ) involved in the case was XXXX XXXX. 

We had {$12000.00} in cash. My wife had asked me the night before to deposit {$8000.00}. There were 2 bundles of money with the rubber band in {$100.00} bill in the black plastic bag. I handed to the teller ( XXXX ) and requested to deposit {$8000.00} and didnt realize that I gave her {$12000.00}. I didnt count the money along with her as she was counting them on the counter. All I remembered she had 6 stacks of {$100.00} bill as she counted. She then went away from the counter to count it in the machine. She went back and confirmed it with me if Id wanted to deposit {$8000.00}. I confirmed it. 

I took the empty black bag home. My wife had asked me where the rest of the money was. She had all {$12000.00} in the bag, 2 bundles of {$8000.00} and {$4000.00}. I had thought my wife already pulled the {$4000.00} away, however after she mentioned about 2 bundles of money, I realized I had given all 2 bundles ( {$12000.00} ) to the teller. I recalled as she counted the money on the counter, there were 6 stacks of the {$100.00} bill. When she counted, it didnt trigger me why she had 6 stacks of {$100.00} until my wife asked for the rest of the money when I got home. I then contacted the bank immediately ; however the bank was closed at that time. I then call XXXX number ( XXXX ) to report it. The operator asked me to contact the local bank the next day. I came to the bank in the morning to claim the money back. The manager ( name ) asked me to wait and recounted the money in the draw, then she claimed no extra cash was floating around. Ive requested for the investigation and view all cameras. However the manager contact me a week later to let me know that they found no extra money left over and therefore the case has been closed.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

This company called repeatedly at inappropriate after hour times and left abusive voicemails on my answering machine threating to take legal action if I did not pay them. This company is also reporting inconsistent and unverified information on my credit report. I disputed this information directly with the company but I still hadn't received the original document from the original creditor. Also the names, date, and balance associated with this account is inconsistent and inaccurate.
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: REGIONS FINANCIAL CORPORATION (MO)

On XX/XX/17 my bank account showed two pending credit charges to a company called XXXX XXXX. Both Charges were in the amount of {$190.00}. I contacted Regions Bank and they canceled my card, but told me it would be awhile while they research the possible fraudulent charges. So, two days before XXXX I have no money. I contacted the company and they said they were able to catch and cancel the fraudulent charges and issued a refund. Called Regions back and they told me they dont issue conditional credits while they research and there is nothing they can do until the investigation is complete. We spoke to a customer manager, XXXX XXXX, but when we called back we couldnt be reconnected to her for some reason. This does not seem fair or correct.
Consumer complaint received 2015-12-26
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (ID)

Refuses to report to the credit bureaus that this debt is paid after they settled with me. Paid off settled amount and now is stating I owe remainder and that the payment is late. Tried multiple times to contact agency and then transfer me and will not talk with me.
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have an California EDD Debit card from bank of america. Someone captured my card and pin around XX/XX/XXXX and made 4 separate withdrawals over 4 days totaling {$3500.00} and drained my account. The bank is claiming I made the withdrawals but I never did. They have never fully investigated it and are claiming it was me when I was not in the area at the time. They keep closing this investigation without looking at any evidence
Consumer complaint received 2015-09-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (VA)

My name is XXXX XXXX purchased a home back in 2007, with national city mortgage, ( now PNC ) since then i have had some hardship, i have appy for assistances for last two years, no help.I wrote a letter asking who own my mortgage.They never responsed to my letter.I need some help because my mortgage is about to go up.I really do not want to lose my home. Thanks
Consumer complaint received 2023-02-07
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. (OK)

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance Owed : {$9500.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 
XXXX XXXX Balance Owed : {$360.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
Consumer complaint received 2022-08-11
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: EQUIFAX, INC. (IL)

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 items 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 items : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX NA Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/XXXX payment was made of {$3500.00} .. then they done a payment correction of {$3500.00} on XX/XX/XXXX..they added {$3500.00} to my balance,, I called they told me they would correct this.. then again they did a payment correction of {$3500.00},, when they did the correction they added {$7000.00} to my account .. i called 4 times they told me my XXXX went to another account i have no other account?? with interest charges and other fees my balance went from {$3200.00} in XX/XX/XXXX to {$1100.00} in XX/XX/XXXX
Consumer complaint received 2021-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (MD)

Commonwealth financial sent me a later for a hospital bill for XXXX. And said that the account was opened in XX/XX/XXXX but they reported to my credit saying it was openXX/XX/XXXX. This debt is not mine.
Consumer complaint received 2022-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (UT)

In XXXX, XXXX, I applied for an American Express XXXX XXXX ( Everyday ) credit card to take advantage of their " Welcome Offer to Earn {$200.00} Back '' after XXXX spends {$2000.00}. in purchases on the new XXXX within the first 6 months of XXXX XXXX. 

I have more than fulfilled the spending requirement and I called an AE agent on XX/XX/XXXX, to ask about the {$200.00} credit. The agent gave me a confirmation number for my inquiry and also stated that I would hear back from them with an answer to my question. I never heard back. 

On XX/XX/XXXX, I called American Express again as I hadn't heard anything back from them. This agent stated that my " welcome offer/bonus '' was " declined '', as my " account did not qualify for it ''. He also stated something about the offer being declined " due to a history of balance transfers ''. ( My credit score is XXXX and I haven't had a balance transfer in many years. ) After I asked to speak to a XXXX and, after much delay, I was connected to a XXXX XXXX. She stated that the welcome offer was declined due to " a welcome offer history in the past being taken advantage of ''. ( I have another American Express XXXX XXXX XXXX card which was opened in XXXX. ) I asked for more specific information regarding her claim of a past welcome offer being given me, but was not given any. 

I strongly feel that American Express has engaged in an unethical and misleading manner by misrepresenting their {$200.00} Welcome Offer for opening a XXXX XXXX American Express ( Everyday ) Card to me and others. Their practices are confusing and totally lacking in transparency. The reasons given me for their not honoring the {$200.00} Welcome Offer are pretextual. It is a " bait and switch '' tactic which is not only unfair, but unscrupulous. 

Please investigate these practices. Thank you.
Consumer complaint received 2017-11-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (OH)

XX/XX/XXXX my Home Equity Credit Line draw period ended. 

I am now in the repayment period and must make {$1000.00} monthly payments. 

In XX/XX/XXXX the creditor increased my monthly installment agreement payment from {$1000.00} to {$1300.00}. 

I can not make the new monthly installment agreement payments due to reduced income and financial hardship. I must make additional {$500.00} monthly payments on a XXXX XXXX XXXX  Home Equity Credit Line. As such, I do not have enough monthly income to pay all required monthly necessary living expenses. 

I tried to get a new Home Equity Line of Credit and a Home Equity Line Modification to resolve this matter but was denied. 

I have paid all original Home Equity Credit Line amounts down from {$180000.00} to {$100000.00}.
Consumer complaint received 2021-07-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I feel these are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX  since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the XXXX  you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 60 days, so they should be erased immediately.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

XXXX BANK XXXX XXXXXXXX has violated my rights. 

XXXX BANK XXXX XXXXXXXX has violated my rights. 

XXXX XXXX / XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXXXXXX BANK XXXX has violated my rights. 

XXXX XXXX  BANK XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

XXXX BANK XXXX has violated my rights. 

XXXX XXXXXXXX BANK XXXX has violated my rights. 

XXXX XXXX CARD XXXX has violated my rights. 

XXXX XXXX XXXX CAR XXXX has violated my rights. 

XXXX XXXX XXXX BANK XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX has violated my rights. 

XXXX XXXX CARD XXXX XXXXXXXX has violated my rights. 

XXXX XXXX  SERVIC XXXX has violated my rights. 

XXXX XXXX CARD XXXX has violated my rights. 

XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

CHAPTER XXXX BANKRUPTCY DIS. XXXX XXXX XXXX GEORGIA XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Have tried disputing the inaccurate account with the credit bureaus, they said the information was verified. Tried disputing the account with the original creditor and have failed to update any inaccurate information and is still damaging to my credit report. They have also failed to mark my account as disputed within the legal timeframe ( 30 days ). 
I would like this outdated and erroneous information removed from my report immediately. 

Thank you, XXXX XXXX
Consumer complaint received 2017-11-22
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)

To whom it may concern : Equifax, XXXX XXXX XXXX, XXXX XXXX. This has been my 10th attempt to get your attention to make you aware that you are reporting inaccurate information on my credit file and I am sending the letter file attachment as a dispute and as an affidavit. If this matter isnt resolve after the XXXX Holiday I will be forced to file a law suit and take legal actions against your companies that are listed above in the beginning of this message. Please read carefully and know this is not an attempt to collect a dept. This is my final attempt of warning. I will be awaiting your response and prior to your investigation and removing the inaccurate items on my credit file I may be forced to remove the law suit if your companies remove the inaccurate items on my credit file and corporate. If you choose not to cooperate you will be served legal documents with a date when to appear at XXXX County Court House in XXXX XXXX Florida. Inaccurate items : All inquiries that are on my credit report was reported inaccurately, I am unaware of inquiries you are continue to report inaccurately and it seem that the inquiries were placed on my credit file by your company without my consent. No creditor or credit Bureau has ever attempted to contact me about the inquires. I am a victim of the recent credit breach and identity theft. Beyond this point I would prefer for creditors and credit bureaus to contact me if any new accounts. I look forward to your response. Sincerely XXXX XXXX
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

This issue has been going on and on and on with this bank and I can never get anyone to help me. I have NEVER been late however THEIR system is so laggy and after I make the payment it doesn't process it until AFTER the due date. I MAKE the payment on time and the system posts it seemingly whenever they feel like it. 

I have ALL the proof in the world, I have conf # 's and print outs showing it was BEFORE my due date, I have made payments with reps on the phone to prevent this. 

They are completely destroying my credit with this, what I Can only describe as a scam, I have shown them all this proof they completely ignore it. 

Its either human error or the payment system but either way this issue is not on MY end, I'm making my payments on time as you can see from my proof ( and this is just one of many )
Consumer complaint received 2017-11-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (MI)

My identity was stolen in 2012 and used for a payday loan from XXXX XXXX XXXX. I do not have a job or get paychecks, nor did I even have a bank account said money went into. This was finally removed from my credit last year and was just opened again from the same XXXX and same dollar amt. of {$1000.00}. I just started receiving collection calls which is how I found out ; from : Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2017-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX 's client XXXX XXXX is an identity theft victim. For several months XXXX has been working on the behalf of XXXX XXXX to resolve her identity theft issues. XXXX XXXX was recently advised in a letter from TransUnion they were not able to comply with FCRA because a police report was not provided to them in an order to dispute information related to the identity theft on her TransUnion credit report. While a police report was not provided, a police information sheet along with her notarized FTC affidavit with her police report information and reporting officer was given. TransUnion is currently in violation of the FCRA by failing to remove fraudulent related information from a credit report of a victim of identity theft after that information was disputed. The items are fraudulent inquiries from XXXX XXXX X/XX/2016, X/XX/2016 and XXXX X/XX/2016.
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed Tax Liens with Transunion and XXXX that do not meet the XXXX reporting standards, as these liens have redacted my social security number and do not show my date of birth ( see attached )
Consumer complaint received 2021-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

Please see attached complaint. Step 2 of 5 does not capture my complaint. I chose " Trouble during payment process '' but that is not the issue and the other choices do not apply either. Our situation involves an insurable loss to our residence. We can not get BSI to pay out insurance funds we were required to endorse over to BSI so they could control payments to contractors to repair our kitchen after a fire.

The Company is currently operating under a Consent Order with the CFPB for traditional mortgage servicing activies.
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

Over the last 5 months, I 've asked the Credit Bureaus to Remove all reference to my Liens from my Credit Reports. According to current Law, Effective XXXX XXXX XXXX, Lien Notices are required to be removed from Personal Credit Reports.The change by XXXX, Experian and XXXX which took effect XXXX XXXX, as part of a plan to ensure that consumer identifications in the data are accurate and current, the XXXX XXXX XXXX XXXX, a trade association for the companies When I asked XXXX, XXXX and Experian, to remove these notations -- from my Credit reports -- theses notations are still there.