davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-07-07
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (TX)

I have a loan with WELLS FARGO DEALER SVC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   XXXX and WELLS FARGO DEALER SVC with no successful resolution. XXXX, XXXX and XXXXn were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2020-08-27
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. (LA)

I submitted a dispute to the Experian by certified mail on XX/XX/XXXX and XX/XX/XXXX stating that this was not my account and requesting proof of account and it to be removed
Consumer complaint received 2019-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (AL)

Unauthorized debit card use by a person who is also being investigated for elder abuse. Went into the branch location on XX/XX/XXXX to close an acct and report unauthorized use of a debit card. Rep for the bank printed off bank statements from XX/XX/XXXX- XX/XX/XXXX and had me to highlight each item disputed. We received a call from a different rep from the bank at the time my grandfather was XXXX  at the hospital, we were provided a contact # to call when he was discharged and when we call this rep said that because he could not verify any transactions on the acct that she could not help him and referred us back to the local branch. I called the local branch and was issued an appt to meet at the branch on XX/XX/XXXX at XXXX only to arrive and nobody was there. I called the branch today XX/XX/XXXX and asked why I was given an appt and nobody was there. I was told that there was an emergency at 2 other locations so the appt was canceled. She then proceeded to say that I would once again need to bring my XXXX year old grandfather into the bank again to confirm what he has already provided to the first rep on XX/XX/XXXX. I feel like we are getting the run around and nobody is able to give us any answer or explanation
Consumer complaint received 2016-02-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance One, Inc. (WA)

ALLIANCE ONE COLLECTION AGENCY CALLED ME AT THE ABOVE PHONE NUMBER WHICH IS MY EMPLOYER, I ADVISED THE COLLECTOR TO PLEASE " DO NOT CALL '' MY POE PLEASE CALL MY CELL PHONE AND PROVIDED THE PHONE NUMBER TO HER. THE FOLLOWING CALL I WAS CALLED AGAIN AT MY EMPLOYER. I ASKED THE COLLECTOR IF MY ACCOUNT WAS NOTED TO NOT CALL MY POE BUT TO CALL MY CELL PHONE AND I WAS TOLD THAT MY ACCOUNT DID NOT REFLECT ANY TYPE OF NOTES OR INSTRUCTIONS, I ADVISED THE COLLECTOR TO " DO NOT CALL MY PLACE OF EMPLOYMENT '' ONLY CALL MY CELL PHONE AND AGAIN PROVIDED THE PHONE NUMBER.
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NY)

On XX/XX/2022, XXXX ( XXXX ) charged my card {$540.00}. On the same date mentioned earlier, I contacted the merchant ( by phone ) to cancel the order. ( before shipment ). The merchant confirms the cancelation verbally on the phone. Later, I noticed the abovementioned charge was posted on my credit card. After multiple unsuccessful attempts to contact the merchant, I got the GM Credit Card Company ( Goldman Sachs Bank USA, Financial Institutions ) to request dispute assistance. The financial institution open a dispute case ( Case number : XXXX ) ; however, the dispute is not resolved in my favor. The financial institutions closed the case on XX/XX/2022. On XX/XX/2022, I contacted the financial institution 's customer services to reopen the abovementioned dispute resolution. However, the customer service representative was denied to reopen the case. On XX/XX/2022, I contacted the financial institutions again to find a solution to recover my loss. However, they repeatedly refused to reopen my claim and assist me in recovering my financial damage. Furthermore, I requested a hard copy of the investigation documents and the internal memos ( notes ), but the representative refused to proceed with my request. However, I asked for this information to pursue a legal challenge if the financial institutions refused to reopen my case and assist me in recovering my loss.
Consumer complaint received 2018-07-06
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: I.C. System, Inc. (TX)

To Whom It May Concern, The reason for me filing this complaint is due to I C System Inc failing to provide proper notice within the required timeframe, and I have evidence of such, via certified mail receipts to substantiate my claim, you must now delete the item from my credit report. The law states failing to post a Notice of Dispute on credit reporting agency accounts is a violation of FCRA
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I am reporting an issue that Bank of America denied my dispute of a credit card transaction On the early morning of XX/XX/XXXX, in responding to a XXXX free trail advertisement, I subscribed to a service that was provided by a Merchant called XXXX XXXX  XXXX which utilized a payment-processing third party called XXXX to process its payments. After I provided my credit card information to XXXX, I found out that there was no free trail for me, I was immediately charged with {$64.00}. I contacted the Merchant which said that I was not eligible for the free trial, so I told that Merchant I wouldnt subscribe to its service and asked for refund ; the Merchant unsubscribed me immediately but told me to contact the payment-processing third party XXXX to get refund ; XXXX in turn told me to contact the Merchant. After Back-and-Forth several rounds, I called Bank of America to stop the payment. However, after initially credit me back the charge of XXXX, Bank of America informed me today ( XX/XX/XXXX ) that it has decided to deny the credit and re-issue the payment to the Merchant. 

I did not receive any service from this Merchant, which provided nothing to me, and I dont know why Bank of American would make this obvious unfair decision to its customer of 26 years
Consumer complaint received 2022-09-14
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. (OH)

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


I have issued the laws and attached all needed documents to the Consumer ReportinXXXX agencies and they have resolved the issue with my identity theft that results in accounts being opened in my name. 

it is stopping from providing, for my family and it's not allowing me to properly shelter a home i want these accounts Deleted.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (TX)

A letter from Wells Fargo was sent to my parents home address ( used to be my address too last about 8 years ago ) stating that identity verification was needed to open a credit card but I never applied for it. My mother sent me a picture of this letter after opening it. I called Wells Fargo today XX/XX/2024 at about XXXX to inquire about whether or not the credit card application was approved. The fraud department collected my information and told me that there was in fact an open application under my information, and that they would close or deny the application and told me to report this incident on XXXX. XXXX redirected me here.
Consumer complaint received 2018-07-06
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. (TX)

I reported to TransUnion customer service that my information has been involved in Unauthorized Hard Inquies on my credit report. There is five unknown Hard Inquies within a significant time frame. Customer service didn't nothing to resolve the matter. 

XXXX XXXX XX/XX/XXXX ( Unauthorized Hard Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Unauthorized Hard Inquiry ) XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX ( Unauthorized Hard Inquiry ) XXXX via XXXX XXXX  XX/XX/XXXX ( Unauthorized Hard Inquiry ) Respectful, Disappointed
Consumer complaint received 2018-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

I started a new loan with XXXX XXXX XXXX XX/XX/XXXX and was told after 6 months of on-time payments and a principle amount of 80 % of the purchase price I could drop pmi. On XX/XX/XXXX I requested that in writing via e-mail. I was sent back via e-mail to get to 80 % send {$28000.00} so I did send the money and e-mailed them on XX/XX/XXXX. They held the funds for 2 weeks then posted them to my account but did not drop my pmi. After 5 phone calls and several e-mails I get another e-mail on XX/XX/XXXX saying to send them {$100.00} for an analysis which might cost more, that the {$100.00} is just a quote to start.
Consumer complaint received 2018-03-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (CA)

This company, the CBE Group, has been harassing me non stop though my phone is on the do not call registry and has been for years. I dont owe any debts. This company claims that I owe money, wont disclose amounts or information, and calls my phone morning and night, at least 5 times a day. They do not leave voicemails and non stop call even when declined. I need this business to leave my number alone. They call when I am at school and work and are very bothersome and disturbing.
Consumer complaint received 2020-11-16
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Caliber Home Loans, Inc. (FL)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I lost my wallet somewhere in XXXX County ever since I lost it years later I found out my credit history is weird so I contacted the credit bureau like XXXX, XXXX, transUnion for years they never do anything about it so thats why Im here making this complaint on those companies.
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

I used XXXX XXXX to book accommodations in XXXX XXXX XX/XX/XXXX thru XX/XX/2020. Due to Covid shutdowns in my home state Illinois which began prior to arrival XX/XX/2020 and Louisiana which began XX/XX/2020 I was unable to travel, also this was in accordance with CDC Federal guidelines. Also my cancellation which was made on XX/XX/2020 and I asked for a refund and received an email indicating I would be refunded in full. I used 2 credit cards and did receive full refund on the amount charged on one card, but did not receive a full refund on the second. According to XXXX XXXX policy I am due a full refund. The policy states if booked before XX/XX/XXXX, I booked on XX/XX/XXXX, and travel thru XX/XX/2020, I would receive a refund in full, and the email I received also states the same. I received partial refund of {$59.00} when it should have been {$300.00}. I disputed this with Citibank Visa, who issued a temporary credit, but now have been told by them the refund would only be {$59.00} take it or leave it. I need your help to receive a full refund from them.
Consumer complaint received 2019-06-05
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: WELLS FARGO & COMPANY (CA)

Three years ago around this time Wells Fargo sent me a credit card that I never applied for. They opened a credit card in my name & sent it to me without my consent or authorization. However, I decided to keep the card because it earned cash back. But after 3 years I have only earn {$24.00} dollars in cash back. So I was informed not only by Wells Fargo Bank but a friend said that I can convert my current Wells Fargo credit card to another one that will earn rewards faster. When I tried to convert my current credit card into the other credit card product, Wells Fargo said my account was not eligible. I asked the Wells Fargo credit card specialist, " why isn't it eligible? '' The Wells Fargo Rep said " either you missed a payment, or you have exceeded your credit limit. '' I have never missed a payment on my card, I have never exceeded the credit limit on my card, and I always pay my card in full every month. My Wells Fargo Visa always has a XXXX balance, and Wells Fargo knows this. However my friend who converted his Wells Fargo Visa is always late on his payments, always goes over his credit limit, but Wells Fargo converted his card. Wells Fargo is unfairly singling me out for some reason. I spoke to many Wells Fargo reps and they do not seem to have an answer. Maybe because Wells Fargo fraudulently opened my credit card. I am so disappointed in Wells Fargo for their unethical practices. They never even apologized for opening a credit card in my name and running my credit without my consent. I should have sued 3 years ago. But I decided to keep the card. Wells Fargo now needs to make this right and offer me a solution. The solution should be converting this current card I have into another card that will benefit me more. That is the least Wells Fargo can do. It's not asking much considering that they opened this credit card in my name without my consent or authorization.
Consumer complaint received 2020-08-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (VA)

I filed a dispute on XX/XX/XXXX due to a cancellation of a reserved trip from XXXX because of XXXX. I was charged {$440.00} on XX/XX/XXXX and XX/XX/XXXX, a total of {$880.00}. I filed a dispute with my bank on XX/XX/XXXX. After months, it was denied and they did not explain why. I want to reopen my case from my bank Wells Fargo and turn in paperwork of proof of my payments. 
I had another dispute case from them for the same reason. This dispute was for {$900.00}, became a provisional credit and eventually became permanent. I do not understand why this case was approved and the other was denied when all charges came from the same merchant, XXXX.
Consumer complaint received 2016-08-11
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MO)

I have been working through the red tape presented by Fifth Third Bank as the Mortgage Company, insurance checks were issued to Fifth Third Bank and us as the homeowners. Upon receiving the insurance checks, I notified Fifth Third Bank and asked for guidance on the necessary steps required to assure a smooth transition of endorsing the checks and making payment to the contractor. 
Upon receipt of the final settlement checks, I received notification from Fifth Third Bank of additional documentation required. All requirements should have been disclosed by Fifth Third Bank during my initial inquiry. Much of this documentation could have been provided months ago to assure no delays in making final payment to the contractor. Two months after the job was completed to the satisfaction of XXXX XXXX and myself, I have been presented with additional requirements which are causing further delay of final payment to the contractor. 
It is understood your need for the insurance estimate details and the Contractor 's work order which outlines the work to be performed and materials necessary to complete the job. However, it is unacceptable to require an inspection of this job be completed by an inspection company of Fifth Third Bank 's choice, at my expense. XXXX XXXX has verified completion of the work performed, to their satisfaction, with a final inspection at no cost to us the homeowners, for which they have made payment. 
Fifth Third Bank is now interested in working with me " to ensure that my home is restored to a condition that is equal to or greater than that which existed prior to the loss ''. Neither Fifth Third Bank nor its chosen inspection company will be able to demonstrate that the work performed on my home restored it " to a condition that is equal to or greater than that which existed prior to the loss ''. Neither Fifth Third Bank nor its chosen inspection company assessed the damages to my home prior to the contractor beginning the job. The only thing that Fifth Third Bank is able to assure is payment to their chosen inspection company, at my expense. This is absolutely unacceptable. 
I 've requesting that Fifth Third Bank waive the need for an inspection, at my expense. There will be no basis for which this inspection could possibly demonstrate the before and after state of my home. To ensure that the work being performed on my home was of quality craftsmanship and done to the specifications of the estimate, I monitored this job by being on site and visible. This required me to take time off from work, at my expense. With that said, Fifth Third Bank is welcome to send an inspector of its choice, at its expense. 
By pursuing an inspection at my expense, a formal complaint with the Consumer Financial Protection Bureau will be filed.