davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
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. (NJ)

I discovered that some of the items on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-27
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. (NC)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-07
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)

It is quite frustrating being in this situation. The credit bureaus are no help, the customer service is rude. I am sad and it is taking a lot from me, I am strong and I will like for this to be resolved Being a victim of identity theft is quite embarrassing and I want to make things right. My name is XXXX XXXX, I have enclosed all verification documents of my identity. I am submitting this complaint myself. I Advised the credit bureau of what happened and this account doesnt belong to me. Other credit bureaus removed it but this one did not. They are supposed to be the same information throughout all reports. Which means this account wasnt verified accurately. I have Requested method of verification and was simply ignored. This account does not belong to me. This is unauthorized and needs to be deleted immediately. This has completely ruined my relationships with other institutions. Account needs to be deleted as it is showing as negative derogatory on my credit report and doesnt belong to me. I am receiving many messages with an urgency tone from this company. Which is violating my rights. I did not consent to this account. Fully unauthorized and needs to be removed. Delete the account as requested. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Thank you very much.
Consumer complaint received 2021-04-25
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. (MI)

am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated.
Consumer complaint received 2021-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Applied Resolutions Group (VA)

The AR Group are taking {$120.00} every month from my bank account. They claimed to collect student loan debt but that money isnt going towards my student loan debt. Theyre just charging me and have been for more than a year, and eveytime I call them or call number that I found on my bank statement.. it goes to a pre-recorded voicemail, that states to leave a messsge with name and account number and they will call you back. Not once have I gotten a call back. I researched their number ( XXXX in relation to other caller Id numbers and found out they are a scam Law firm company. I am beyond appalled and livid and would like this company to be reported and demand my money back that they have stolen from me. If I dont I will have no choice to involve a lawyer to this matter!
Consumer complaint received 2017-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (IL)

I am writing about a dispute between Citi Bank and XXXX XXXX. My credit card is issued by Citi ... and is called the Chairman card but is pursuant to a license from XXXX XXXX. When I make charges, it functions as an XXXX XXXX card. My bills, which are automatically paid in full every month, come from CITI. Here is the issue : Due to some kind of dispute between Citi and XXXX XXXX, they have refused to issue new cards with the chip. The customer service rep at Citi told me recently that they have a contract issue that is still ( after two years ) not resolved, so they can not issue a new card with a chip. In answer to my question about when a decision would be made, the Citi customer service rep said he would file a complaint on my behalf and that there were others who had requested he to the same on their behalf. What can be done to get at Citi Chairman card with a chip? I can not get an answer from either company.
Consumer complaint received 2019-10-23
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. (FL)

Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX**** XXXX XXXX XXXX**** XXXX XXXX XXXX**** XXXX   XXXX**** XXXX XXXX XXXX XXXX****
Consumer complaint received 2018-07-10
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. (NY)

I have 2 address added to my account that are not mine and they are, XXXX XXXX XXXX, XXXX XXXX Ny XXXX and XXXX XXXX  XXXX XXXX, XXXX ny XXXX. 
I also have credit cards and website information that are not mine as well like : XXXX 2x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Those are all on XXXX. 

And On Transunion is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   2x XXXX XXXX
Consumer complaint received 2015-06-25
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (PA)

I have run into a deceitful issue dealing with Wells Fargo on my mortgage. Since we reached the 78 % of the LTV ( Loan-To-Value ), through normal amortization and met the requirements to remove the Private Mortgage Insurance PMI, ( No past due payments, loan aged more than 27 months ), we sent a letter to remove the PMI from our loan, but Wells Fargo said that was not possible because we still have more than $ XXXX to go. 

When we saw the Wells Fargo answer, we reviewed the loan documents and discovered that when we refinanced back in XX/XX/XXXX they used the XXXX loan amount from XX/XX/XXXX as the home appraisal which presently differs of more than $ XXXX. In the other hand, we did not received the amortization schedule of the refinance, even if we have been asking for the document since the very beginning. 

Now their letter stated that we have XXXX options : Option1 ; Send them a check with the difference to reach their 75 % and Option 2 ; Provide proof of the value of our home value which must be determined by having an appraisal done by them, or order a Brokers Price Opinion, ( BPO ), both options at our expense. In either case, the ultimate decision is theirs and we do not have any certainty the PMI will be removed. 

We consider that the refinance process was managed improperly, based on incorrect very ambiguous and distracting information, so that guided us to take misleading decisions like the PMI not being discussed. Are we alone, or is there anything we can do?
Consumer complaint received 2020-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-04-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Linebarger Goggan Blair & Sampson LLP (NJ)

In 2013, I filed a state tax return in XXXX. My Federal return for 2013 was later amended. The transmission for unexplained reasons did not automatically correct my XXXX return. When corrected, the State of XXXX   said I owed additional tax. The respondent was not licensed in XXXX XXXX as a debt collector or attorney. The threatened to bring suit against me in XXXX where I did not live and actually stated that service of process on me at an address in XXXX that I no longer owned was " good service. '' They threatened to garnish my wages and never gave proper notice of my debts. They also denied me lawful appeal rights available through their client. I am out my legal fees of {$7500.00} plus statutory damages under FDCPA and emotional distress.
Consumer complaint received 2023-01-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CA)

On XX/XX/2022, I requested a cancellation on my private mortgage insurance ( PMI ). I included an appraisal that I have met and/or surpassed the loan-to-vaule ratio needed to cancel PMI. It has been more than XXXX  days and I have not received any response from my mortgage company regarding my request.
Consumer complaint received 2021-03-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (NJ)

On XX/XX/2021, one of my creditors, Comenity BankXXXX, submitted an unauthorized payment in the amount of {$33.00} to my bank, XXXX XXXX XXXX XXXX XXXX ( XXXX ). I never authorized Comentiy BankXXXX to submit that payment on my behalf. I did not have that amount of money in my XXXX  checking account when the payment was submitted, thus XXXX levied a {$30.00} Return Item Fee - ACH on my account, which rendered me with a negative checking account balance. 

So, on the evening of XX/XX/2021, I called Comenity BankXXXX to inquire about the unauthorized payment. After being transferred amongst representatives, and being placed on extended holds, their best option was to remove my online Comenity Bank/XXXX account, then recreate it. They suggested that my account may have been breached by a family member, or that an authorized account user submitted that payment. I do not have any authorized users on my Comenity Bank/XXXX account, and none of my family members has access to my online account or bank information. 

Additionally, I tried unsuccessfully to login to my Comenity Bank/XXXX account on Friday, XX/XX/2021, and then again on Wednesday, XX/XX/2021, but I was locked out. My username and password combinations did not work. I tried to use their automated system to reset my password, but it did not recognize my username. Interestingly, my username was valid because one of the Comenity Bank/XXXX representatives stated to me that it was correct. Consequently, I was never able to log into my account again to see when and where the payments were being setup. 

Then, the Comenity Bank/XXXX representatives suggested to me that I was enrolled in their Hardship Program because I was late on my payments. I do not recall enrolling into their Hardship Program, and I definitely did not schedule an automatic payment for XX/XX/XXXX. 

Today, XX/XX/2021, I received another {$30.00} Return Item Fee - ACH from XXXX, because another Comenity BankXXXX payment was attempted. This action has pushed my checking account further negative. In addition, I do not recall any past attempts to collect funds during consecutive days - there normally exists a several days gap before payments are attempted to be deducted from my bank account. 

Ultimately, I want to recoup any all fees and/or fines that may be levied against Comenity Bank/XXXX and XXXX XXXX XXXX XXXX XXXX I will be submitting a separate complaint against XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (NC)

I sold my home. The attorney deposited my proceeds into my bank account at Wells Fargo on XX/XX/2018. Today is XX/XX/2018 and my funds are still not available. I contacted Wells Fargo last Thursday XX/XX/2018 regarding the hold they placed on my funds. I was told the hold would be withdrawn and the funds would be available in a day. When the funds did not become available, I contacted the bank again. 

I am now told it will be tomorrow XX/XX/2018. While I understand a hold on a large deposit, I feel from XX/XX/XXXX until XX/XX/XXXX is beyond reasonable. The money deposited was from an attorney who distributed the money at my home closing. I am purchasing a home and need the funds. Hopefully, the money will be in my account tomorrow - XX/XX/XXXX - but I would appreciate someone looking into this matter. I have been a long time very good customer of Wells Fargo and I do not appreciate what feels like their denial of my money. 

Thank you.
Consumer complaint received 2023-01-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

A misrepresentation is a false statement of a material fact made by XXXX party which affects the other partys decision in agreeing to a contract. If the misrepresentation is discovered, the contract can be declared void. Depending the situation, the adversely impacted party may seek damages. 

Sec 628 - penalty for false statements. 

( a ) which is false in any material Particular, knowing it to be false; or ( b ) Which omits any material fact, knowing it to be material ; He shall, save as otherwise expressly provided in this act, be punishable with imprisonment for a term with me extension XXXX  years, and shell also be liable to fine. 

What makes a contract void? 

-A contract may be deemed void if the agreement is not enforceable as it was originally written. In such instances, void contracts ( also referred to as void agreements ), Involve agreements that are either illegal in nature, or in violation of fairness or public policy
Consumer complaint received 2020-05-01
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: Experian Information Solutions Inc. (GA)

XXXX  and Experian are reporting incorrectly that I am ( 90 ) days late on the XXXX XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account that has no money owed. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-07-09
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 (VA)

My bank account has been compromised three times by fraudulent XXXX charges. I have had to get a new debit card three times due to the charges. 
XXXX had my Wells Fargo debit card as a form of payment until XX/XX/XXXX. I changed to an XXXX XXXX as my form of payment because I thought it would be a better option. 
On XX/XX/XXXX I got a fraudulent charge of {$13.00} on my Wells Fargo debit card. The bank entry was as follows : RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX   XXXX I reported this immediately and was told I had to get a new debit card. I was credited the {$13.00} on XX/XX/XXXX. 
On XX/XX/XXXX I got another fraudulent charge of {$12.00} from XXXX on my Wells Fargo debit card. The bank entry was as follows : RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX   Once again I called Wells Fargo and was told I had to get a new debit card. 
On XX/XX/XXXX I got a third fraudulent charge of {$14.00} from XXXX on my Wells Fargo debit card. The bank entry was as follows : PURCHASE XXXX   XXXX I called Wells Fargo on XXXX and was told I had to get another card. 

After being fed up with this recurring problem I spent all day on the phone with various parties : 1 ) Wells Fargo - spoke to 3 different people escalating the issue to supervisors. Was told that I needed to contact the merchant and have them opt me out of their Visa Account Updater. 
2 ) XXXX - called XXXX and they had to XXXX what Visa Account Updater was. Gave me VISA 's number and told me it was their responsibility to opt me out as XXXX had no power to opt me out. 
3 ) VISA - called Visa and was told that is was Wells Fargo 's responsibility and they were the only ones who had the authority to control my Visa Account Updater.

4 ) was transferred from VISA back to Wells Fargo and had to start over again at the entry level caller and had to escalate to another supervisor. This supervisor told me that the  merchant XXXX was the one responsible. She even told me that she had the same experience and that XXXX holds on to all credit cards even after they are deactivated and they have the control over the Visa Account Updater and opting out. 
5 ) XXXX - called XXXX back and had to escalate my complaint to a supervisor level. Was told that she had the same problem with Wells Fargo and had to get a new Wells Fargo account because once you have a debit card attached to an account the credit card gets followed around by a merchant such as XXXX.
Consumer complaint received 2017-08-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (MN)

This loan is a scam and a rip off because I took out XXXX and the lady told me that i will be paying bi weekly of XXXX. I brought it to her attention thay the payments I see is way over my loan she said that she can see me the right one but its the same one. I talk to other lady and she told me that I havent paid for my loan yet only interest and interest is everyday. I was n't told this when I first did this.
Consumer complaint received 2017-08-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc. (VA)

In XX/XX/XXXX XXXX XXXX was listed as a participating provider with XXXX XXXX/XXXX. Each yr when visiting the office I provided my ins. ID card. As a participating provider I should not have been balanced billed for my visits. After being reported to the a collection agency in XX/XX/XXXXI contacted XXXX, explained the situation, and completed a complaint form. I advised that XXXX XXXX ' office never advised me that they did not participate in XXXX XXXX as indicated on my ID card. The office has turned my account over to 2 different collections agencies for 2 different amounts. American collections XXXX XXXX XXXX, XXXX, VA ( XXXX ) .for {$83.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TN ( XXXX ) for {$99.00}.
Consumer complaint received 2020-05-01
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)

Equifax and XXXX  are reporting incorrectly that I am ( 90 ) days late on the XXXX COUNTY FCU partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account that has no money owed. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.