davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-19
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. (AZ)

I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2020-09-22
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2017-08-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (WA)

I received a voicemail from a woman on XX/XX/XXXX at XXXX Pacific time. When I listened to the voicemail I could not hear a company name and I could not understand the person. But in this message she stated that if I did n't call back she would sue me. I called today XX/XX/XXXX and spoke with a rep and a XXXX XXXX in the escalation department and advised her of the voicemail. She advised my account was only XXXX past due ... And they would pull call and do coaching. I advised this was not acceptable per any First party Collection laws and or the FDCPA
Consumer complaint received 2017-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (CT)

In XXXX, XXXX I opened a Wells Fargo XXXX XXXX XXXX XXXX card with a promotional offer to receive {$200.00} on statement credit after spending at least XXXX in the first 3 months. 

Around XXXX XXXX, XXXX I called XXXX CC customer service to ask about the XXXX check I had received in the mail with an offer to do a balance transfer and pay a 3 percent transfer fee to do the balance transfer. After closing my other XXXX XXXX and speaking to several more XXXX customer service reps, XXXX increased my limit on this CC to XXXX and then to XXXX upon my request, since we were buying a car for our teenager. 

The XXXX customer service rep I spoke to about the balance transfer told me that I could make the transfer online myself or she could make it for me on the phone. I then specifically asked this woman ( phone call should be on record ) if t made any difference whether I did the balance transfer online or on the phone, and she stated that it would have the same effect and I would pay the 3 percent transfer fee on the next billing statement. I hung up with the XXXX rep and I then made the {$8000.00} transfer myself from the new XXXX CC to our checking account, since making online transfers is very easy to do. 

The next day around XXXX XXXX, XXXX I saw a {$400.00} cash advance fe on our CC statement online. I immediately called XXXX CC customer service and spoke to a very nice man by the name of XXXX XXXX who helped me. He apologized for the woman 's lack of knowledge about the difference between balance transfers and cash advances, and he credited out CC acct for the 400.00 He then assured me that I would see interest charges for the next couple months but those would also be refunded. 

On XXXX XXXX XXXX an interest charge 0f {$130.00} posted to this CC acct. On XXXX XXXX it still had not been removed so I called XXXX customer service again and asked to speak with a a supervisor. A man named XXXX who had no patient and no kindness about him told me in a very rude manner that I should have known this would have been treated as a cash advance even though the rep called it an online balance transfer. XXXX was very mean and should not be in customer service. He did not even take the time to listen to the mistake that the original customer service rep had made. He told me he could no nothing for me and I could not speak to anyone above him and his manager XXXX XXXX does not talk to customers. 

Our account should be credited the interest charge of {$130.00} and any further planned interest charges should not be charged to our CC acct. 

Although I never received the promised {$200.00} to open this account ( I spent well over the 1,000 req ), they have yet to charge me the 3 % transfer fee so these charges almost cancel each other out. 

It is not fair for big banks to give incorrect information to consumers and then profit off of it. It seems very unethical.
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CA)

Requested forbearance and incurred over $ XXXX in additional money owed after ending forbearance. Never was informed that I would incur this additional cost, spoke to mortgage representative several times which indicated my balance owed would not change and that I would not be charged interest. It only appeared recently on my last mortgage statement. I still don't have a breakdown of how the $ XXXX was added onto my loan, calls go unreturned and representatives are informing me that I was not charged interest however can not explain the $ XXXX in additional charges. My mortgage balance was $ XXXX prior to forbearance and now has increased to $ XXXX without any explanation. 

On XX/XX/XXXX, I requested a forbearance from my mortgage company, Flagstar Bank due to unemployment/loss of income. My last regular mortgage payment was in XXXX that year, I was unable to make regular mortgage payments beginning in XX/XX/XXXX through XX/XX/XXXX. In XX/XX/XXXX, I regained employment and contacted Flagstar to discuss options of ending my forbearance. During the entire period, I received regular letters from Flagstar indicating that I was on forbearance status. I continued to receive monthly statements indicating my principal balance XXXX $ XXXX as of XX/XX/XXXX ). My statement dated XX/XX/XXXX indicated a principal balance of $ XXXX. 

Flagstar letter dated XX/XX/XXXX states my loan is in forbearance and is a " time out '' with no indication of interests/charges accruing. Flagstar letter dated XX/XX/XXXX states approval for Payment Deferral, again with no indication of increased money owed. Called Flagstar several times to get clarity, discovered my payment accepting the payment deferral was never processed and received another letter dated XX/XX/XXXX of a new approval letter. Flagstar letter dated XX/XX/XXXX states Payment Deferral Agreement, states number of past due payments deferred is 11, past-due principal & interest amount owed is {$1900.00} XXXX which is my regular payment ), other past-due amount is {$0.00}, and total past-due amounts deferred is $ XXXX. Additionally, under FAQ 's What other amounts might I owe, letter further states that " there is no processing fee for this deferral, if there is already a principal forbearance amount due I will still be responsible..etc. There is no indication whatsoever on additional charges, let alone the $ XXXX that I unexpectedly saw on my most recent statement. During the entire nearly year long period, it was never communicated to me and when I talked to several Flagstar representatives, they did not inform me of this additional amount and further stated I would not be accruing interest. 

Overall, my principal balance was adjusted to $ XXXX with a subordinate lien of $ XXXX, totaling $ XXXX with no explanation, detailed breakdown, or communication of this change.
Consumer complaint received 2020-10-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Grant & Weber (AR)

I pulled up my credit report and found this item on my report. I have never been contacted by this creditor and my 30 days to dispute this charge has lapsed bc I was not made aware of this charge. I do not know what this charge is for and would like to have the creditor to provide me with proof of the debt in writing.
Consumer complaint received 2021-01-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: PENTAGON FEDERAL CREDIT UNION (TX)

1. Due to illness, PenFed {$5000.00} check was stale when went to deposit at bank.

2. Returned voided PenFed check to PenFed.

3. Have not received credit for unused PenFed check.

4. Moneys not deposited to my PenFed Account ( s ).

5. Been billed for never deposited money to my PenFed Account ( s ) 6. No more money in my PenFed Account ( s ).

7. Now, PenFed threatens to ruin my credit rating.

8. Have not been able to speak to a live person!!!

9. Am XXXX  year old veteran. 
10. Will see oncolgist tomorrow to determine if I need a new XXXX XXXX or another XXXX XXXX ....
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TX)

XXXX is reporting negative information on my credit profile. I've asked them to show the opening contract to prove I opened this account which I did not. They have failed to do so. Instead, they send invoices. Invoices only prove this card someone opened made charges it doesn't show I opened this account or else then yes it would prove I personally made these charges otherwise it's a fraudulent account. THE ATTACHED DOCUMENT IS WHAT THEY RESPONDED WITH ( NOT WHAT I REQUESTED ) NOT A CONTRACT I SIGNED WITH LVNV OR ANY OTHER COMPANY THEY DO BUSINESS WITH.
Consumer complaint received 2022-04-05
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. (CA)

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX is furnishing. 

LIST OF INACCURACIES FOUND ON XXXX XXXX CREDIT REPORT : ACCOUNT # ACCOUNT TYPE ACCOUNT STATUS DATE OPENED HIGH CREDIT CREDIT LIMIT LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT PAYMENT HISTORY XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX complied with this requirement.
Consumer complaint received 2017-08-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I disputed a state tax lien with TransUnion on XX/XX/XXXX. I received notification on XX/XX/XXXX they were doing a manual review. The same day, I received another notification results were ready. The report stated the lien had been verified and updated. The court documents related to this are attached. As you can see, they do not meet the requirements under the National Consumer Assistance Plan ( NCAP ). There is no complete social security number nor a date of birth included in the filings. This lien should have been removed from my credit report, per NCAP rules.
Consumer complaint received 2023-01-29
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2023. I received emails from Bank XXXX XXXX saying that online bank accounts were opened. I did not open and do not want to open an account with Bank XXXX XXXX. I checked the bank account email exchange and it appeared it could be real. I did not click on any of link just in case. However, I did an independent search and tried to call Bank XXXX XXXX XXXX department. The number I called is XXXX. Once I called they asked for my telephone number, a card number or an account number. I dont have an account with them so I dont have an account number or card number. I put in my mobile telephone number which did not result me in speaking with anyone. Instead, the system said I didnt have enough information and hung up. I called back and the same thing happened. On XX/XX/XXXX I received a email asking me to verify my email which I did not click on it. Please help!
Consumer complaint received 2020-09-22
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NY)

Bought furniture with no interest for 24 months promotion. Paid all promotional balance via phone calls to avoid paying interests next year. XXXX promotional balance still showing despite paying it months ago. Called Macy 's credit card customer service XXXX to XXXX times to resolve issue. Last representative states that promotional balance {$850.00} is still owed and lectured me I have an attitude. I called Macy 's back few minutes later that day to close account when I realized what was going on.
Consumer complaint received 2020-09-22
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: LEXISNEXIS (NY)

I filed a dispute with LexisNexis Risk Solutions and they send me a form for consumer request information form it's like they don't want to take my dispute I sent them what I wanted to dispute email addresses all home address that are not mine phone numbers that are not mine insurance claim that is not mine why did they send me a form to request my report when I am disputing the report they just sent me
Consumer complaint received 2017-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (MN)

I 'm receiving daily debt collection calls from General Revenue Corporation, from a " XXXX . XXXX. '' Last year I also received daily calls from them for over a month until I called them. They were trying to collect a debt from a family member of mine. I informed them that my phone number was never associated with that family member and to stop calling me. They said they would remove my phone number from calls. And they did, for about a year. And then they started calling again about XXXX XXXX, 2017. Their phone number is XXXX.
Consumer complaint received 2020-09-22
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: STERLING JEWELERS, INC. (NV)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.
Consumer complaint received 2019-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

About ever six months Credence Resource Management LLC working for XXXX they keep calling my XXXX XXXX XXXX work phone try to collect a debt on another XXXX XXXX and I keep telling them it is not me and please take me off their call list. I give them my full name and last four of my ss #. But they will not give me any information because I am not the XXXX XXXX they are looking for! And every 6 months it starts over! this has been going on for about two years! The company name is Credence Resource Management LLC # XXXX
Consumer complaint received 2019-10-30
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: WELLS FARGO & COMPANY (WI)

After 13 years of being divorced, my ex-husband finally refinanced the HELOC loan for his house that we once shared. This Wells Fargo HELOC loan was paid off ( refinanced out of my name into a new loan in just his name ) on XX/XX/19. Wells Fargo will not report this loan as being paid off/closed. Wells Fargo continues to report it as an open account on both of our credit reports that is being paid as expected. I have sent 4 credit disputes through XXXX with the latest being XX/XX/XXXX. Each dispute comes back as being reported correctly. I have the satisfaction of mortgage proving this was paid off but, Wells Fargo insists on reporting it incorrectly. I have called Wells Fargo 3 times and have filed disputes with their own credit department to no avail. PLEASE HELP. THIS IS RIDICULOUS
Consumer complaint received 2024-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (CA)

I went to the bank on XX/XX/24 and wrote a check for {$400000.00} to Wells Fargo. The teller asked me where I would like to apply this payment to, and I replied to my principal. On XX/XX/24 my check was cashed by Wells Fargo. On XX/XX/24 I still didnt see the payment apply to my principal so I called And was tall that they were not able to apply the payment to my loan because they didnt know if I want to apply the payment to the principal or interest If this was true, then why did the teller asked me where I would like to apply the payment to. Wells Fargo used excuses to withhold my money without paying me interest. The payment was finally applied to my principal on XX/XX/24 because I told them I will file a formal complaint. To me, this is stealing. If I didnt call, I wonder how long they will keep the money.
Consumer complaint received 2021-08-11
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. (FL)

I disputed this account with XXXX XXXX  multiple times and they kept on sending me these past statements and stating that the account is valid. I understand that they might have a valid account but this account does not belong to me and I Have been stating that since I first noticed the tradeline on my credit profile. at the time, when I called to question the account, XXXX sends me a letter stating that they never issued a credit card to me and that the error will be corrected. Fast forward to date, the account is valid and accurate?. 

I attached a letter from XXXX  dated XX/XX/2021, with a USPS stamp date of XX/XX/XXXX, XXXX the letter stated in short, that they investigated the account and confirm the debt. and that they declined my request to provide additional information to validate this debt. 
XXXX has not provided any proof that this debt belongs to me, all that they send are copies of statements that do not prove that I had access to this account, that I benefited from this account, nor did I signed for or even applied for such account. I spent a lot of time going back and forth with XXXX XXXX  on this matter, I would like this account blocked from my credit profile.
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated (AL)

I was issued a card by the state of Alabama for unemployment benefits. I am unable to access the account online or by phone. I keep getting the message that the information is invalid when asked to enter my card number. I have called the number on the back of the card and due to the invalid card number I am unable to navigate through the menu. I have been unable to reach an operator because the automatic system just hangs up on you. The state of Alabama will not reissue the money on the card to another account. This card company has 4 weeks of my pay hostage and they provide no avenue for me to remedy the problem.
Consumer complaint received 2023-01-29
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. (DC)

All three credit bureaus are showing late payments and a negative account with XXXX XXXX XXXX XXXX which is false my account is in a good positive state with no late payments
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX is 100 % completely closed out I paid the whole amount this account has been closed for over a year and it still showing open even after I have disputed it off of my credit report needs to be fixed ASAP this is in accurate and is creating problems on my credit score
Consumer complaint received 2020-09-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Today I woke up and tried to log in to my Bank of America 's online banking and I couldn't, so I called the bank and they told me that my access was blocked and they were closing my account. 

I have had a relationship with this bank since 2015. I had 2 business accounts ( savings and checkings for both of them ) and my personal account and they closed them without notice ... 

They had my phone number, email address, and my physical address but they didn't contact me, I had to call them to find out what was going on.