davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-07
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (FL)

An unauthorized purchased was made to my savings account, I contacted the merchant and they immediately reversed the charge made by XXXX Merchant. Wells Fargo charged me {$35.00} fee. Called to reserve the Overdraft Protection Fee, because no service was render because service was n't authorized to be made because the charge was authorized. Wells Fargo agent over the phone said the fee was legit because I did n't have funds to cover transactions. I asked the agent if the transaction was reversed, Agent said yes, XXXX did not collect {$16.00} because they reversed it because it was authorized. Agent offered partial refund of {$26.00} for the Fee of {$35.00} leaving a debit of {$8.00}. I asked the agent why they did n't refund entirely because no service was render, she said it was legit because service was rendered. I told her, no, Wells Fargo got the money. She said no. I asked her several questions in which she admitted no service was render and the fee was " unnecessary '' because it was unauthorized. Although Agent could not herself refund entirely. Well Fargo sets high restrictions preventing employees to correct legal issues when unauthorized transactions take place, Wells Fargo penalizes consumers when unauthorized transactions take place from bank accounts that are forcefully attached to their XXXX account through a contract between Wells Fargo and XXXX allowing XXXX to add all banks accounts from consumers. XXXX account had an unauthorized charge, XXXX reserved charged. Wells Fargo received charged of {$16.00} by XXXX but was reserved by Merchant. Wells Fargo charged bank account holder {$35.00}, reduced it to {$8.00} when I complained. Wells Fargo Agent over phone said it was " unnecessary '' for the fee but under restrictions set by Wells Fargo was unable to provide the full refund to a service that was never rendered/authorized. Wells Fargo Agent made every attempt to place the blame on me, but after questioning the agent through a varies of legal questions whether a bank can legally place a fee on an unauthorized bank transactions, she could not defend the company. Admitted it was " Wells Fargo '' who placed the fee on the transaction, but admitted it was n't the consumer 's fault because the fee was " unnecessary. ''
Consumer complaint received 2022-09-07
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. (PA)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX Balance : {$1400.00}
Consumer complaint received 2017-10-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (AZ)

My XXXX Account was open on XXXX/XXXX/XXXX and was closed on XXXX/XXXX/XXXX. Somehow 8 months later I have a collection account amounting {$950.00} according to my XXXX report it was opened XXXX/XXXX/XXXX to verify the validity of this account I 'm asking the company produces a subscriber agreement ( 2-year contract ) bearing my signature and the last three billing statements. I 've requested these documents on more than 10 occasions then the company began hangging up on me every time I called the line was disconnect.
Consumer complaint received 2015-08-27
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Coastline Financial Resources, LLC (NC)

We got a call from a California number ( XXXX ), stating that they had process papers to serve on my wife. The person on the phone refused to give any information, but gave a number where we could get information on the case, and a XXXX digit " case number. '' The company he advised that we call is Coastline & Associates, and the number is XXXX. 

When my wife called that number, the person refused to give any information about the supposed debt until my wife gave him personal information. When she refused, he terminated the call.
Consumer complaint received 2022-08-25
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

Hello, I am contacting you because my wife ( who passed away in XXXX ) had a capital one card/acct. and it was closed or so I thought. The account was left open after they were contacted and all the bills were fraud and ran up. I had contacted them long ago and told them. Also, in XXXX XXXX I was in a very bad accident and SSI has found me to be XXXX. I told Capital One this and they ignored me. I want this debt wiped off. Beside the fact it was my wifes card, it was fraud AND I am XXXX. They have destroyed my credit at a time when I need it being off work.
Consumer complaint received 2016-08-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion has an inaccurate account on my credit report listed as a bankruptcy. I disputed this account with Transunion on several occasions and they did not send my dispute to the listed furnisher of information within 5 business days as required under FCRA. I wrote a letter to the US Bankruptcy Court, that Transunion has listed on my credit profile to question them about verifying the inaccurate account and communicating with Transunion. The US Bankruptcy Court responded to my letter on XXXX XXXX, 2016, and stated that " We do not provide specific verification of any data with any person outside the federal government ''. The letter goes on to say that credit bureaus access XXXX to lookup bankruptcy information. This evidence shows that ( 1 ) Transunion did not contact the courts about my dispute as they are required to do under the FCRA, ( 2 ) Transunion is listing the courts as the furnisher of information when they clearly are not. The bankruptcy is not accurate and it should be removed
Consumer complaint received 2024-03-01
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (IL)

I disputed the unknown account on my XXXX account. I indicated that I had no knowledge of this account. Also I asked if the company has a license and bond to collect a debt in the state of Illinois. 

XXXX completed the investigation in under 15 days and stated that the item was verified and meet FCRA requirements
Consumer complaint received 2022-10-06
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: BARCLAYS BANK DELAWARE (CA)

On XX/XX/XXXX and XX/XX/2022 I ordered two beds, one was accidental Due to accidentally signing on as a XXXX customer. I contacted XXXX, returned the bed and was given a refund XX/XX/XXXX. On XX/XX/XXXX, an additional charge from XXXX was on my Barclays credit card statement. I contacted XXXX, thats when I found out I had XXXX different accounts, I was in touch with the supervisor who told me that they issued me a credit in error, so they charged me to reverse the credit. There is no credits on my statements outside of the one Ive already mentioned and from Barclays giving me provisional credits with the recharged me and all of that balances. XXXX referred me to my credit card Company Barclays Bank US again, since all charges were made through Barclays credit card and I filed another complaint. Although I have several letters from Barclays advising me The first two complaints, professional credits, resolutions and refills. the third complaint is the one That has not been resolved. The resolution letter is included that says the XX/XX/XXXX charge was refunded to me on XX/XX/XXXX. That is incorrect that refund was issued for the return of the 2nd bed purchased XX/XX/XXXX. 
When I look at my XXXX account, it shows I am owed a refund. I tried to call them about the refund nobody could help me despite it says to call them. Again I was referred to Barclays bank, I have been attempting to get this resolved since it all started in XXXX.
Consumer complaint received 2020-10-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On XX/XX/2020 I mailed certified letter to Portfolio Recovery Associates requesting validation of debt for account : XXXX made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

Portfolio Recovery Associates have failed to provide requested validation. 
The amount of debt claimed is {$620.00} for a factoring company according to their credit bureau information. 

This debt is unvalidated, unverified and I request that this matter be permanently closed and also that the Credit Bureau be informed and their information updated.
Consumer complaint received 2022-10-06
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. (GA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had an account with XXXX XXXX that was closed as a paid charge off back in 2007. Recently I acquire another XXXX XXXX card and they are mixing XXXX accounts and adding them as the same XXXX. I have never been late on my XXXX account and the charge off should had been taking off as it is passed the 7 year expiration marked. They are confusing these and this is making it impossible for me to get a mortgage. They need to fix this immediately by removing the old charge-off account. Account # XXXX.
Consumer complaint received 2018-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MD)

I have disputed this account 4 times, and it keeps coming back as verified. This account was deleted by XXXX as unverifued as I stated previously. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED item listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following account be verified or deleted immediately. ACC # XXXX
Consumer complaint received 2016-06-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion has deliberately " re-aged '' XXXX of my old credit accounts ( # XXXX and # XXXX ) and illegally continues reporting adverse information on those accounts, causing the negative credit listing to remain on my credit report longer than allowed by federal law. 
Previously, TransUnion was reporting the estimated date when these items will be removed of XXXX and XXXX ( as clerly shown in earlier credit reports from this company ). However, TransUnion failed to delete this information in a timely manner which is in violation of the Fair Credit Reporting Act ( FCRA ). The continuous reporting of the incorrect information also unduly damages my credit file and prevents me to refinance and obtain business credits, causing monetary losses and distress for me, my family and my business.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My credit report dated XX/XX/XXXX, at TransUnion contains Inquiries that I never authorized, nor did I do business with these companies The following inquiries were not authorized by me : XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX. Also, account # XXXX with XXXX XXXX XXXX XXXX is reporting as " CHARGE OFF/ WRITTEN OFF '' for the total amount stated yet I have received no tax forms from the IRS XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX that I can file my taxes accordingly. This XXXX  account is reporting inaccurate adverse information. Also, US DEPT OF EDXXXX has taken over ownership of account # XXXX, # XXXX, and # XXXX from XXXX XXXX the original creditor, as a third party on the face of the transaction without notifying the principle. The US DEPT OF EDXXXX is reporting information that does not coincide with the original contract.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

Re : XXXX Account number XXXX .... 
XXXX Account number XXXX XXXX. 
XXXX XXXX Account number XXXX .... 
XXXX XXXX Account number XXXX .... 
XXXX XXXX Account number XXXX XXXX. 
XXXX XXXX Account number XXXX .... 
XXXX XXXX Account number XXXX .... 
XXXX XXXX XXXX Account number XXXX .... 
XXXX XXXX XXXX Account number XXXX .... 
XXXX XXXX  XXXX Account number XXXX .... 
XXXX XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX Account number XXXX .... 
XXXX XXXX Account number XXXX .... 
XXXX XXXX XXXX XXXX Account number XXXX .... 
XXXX XXXX Account number XXXX I was the victim of identity theft. I disputed the fraudulent accounts on all three ( 3 ) credit bureaus XXXX, XXXX, and Experian. I discovered that all three ( 3 ) bureaus had different information about my identity such as the wrong date of birth and multiple social security numbers. I subsequently sent in copies of my social security card, my drivers license, and my birth certificate to correct the personal information. XXXX responded and did an internal investigation and found that my credit profile was mixed with other individuals and removed all the fraudulent accounts. XXXX followed with all but two ( 2 ) accounts, but they have now been deleted as well. Experian has done nothing and continues to do nothing, even after multiple calls and fraud reports sent in, they still continue to deny me a thorough investigation into the matter, or proof thereof. Experian has left the verification process with the furnisher to determine if the accounts are valid. Experian has continuously violated my rights under the Fair Credit Reporting Act and I would like them sanctioned. All three ( 3 ) credit bureaus had the wrong date of birth, and multiple addresses that did not belong to me. XXXX and XXXX took action and removed the fraudulent accounts accordingly, whereas Experian states these accounts are verified and have refused me access as to how they verified these accounts. How can Experian verify debts that do not belong to me?
Consumer complaint received 2018-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

For two days, I have been trying to upload requested documentation to place a security freeze on my credit report through Experian after my identity was stolen. The website continues to say that it is unable to upload documents ( despite that there are only three documents and clock in at under 1 MB collectively ) and I need to mail them in ... which not only will significantly delay the application of the freeze, but will also subject me to additional security issues since what I need to submit is sensitive information that, if stolen, could lead to additional identity theft. I've also tried to call two different numbers over the past two days and can never get a live person. I end up in an automated voiced loop that does not provide any assistance. I placed a freeze with the other two credit bureaus with no problems, dealing with both online as well as talking to someone live.
Consumer complaint received 2022-09-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-10
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: Experian Information Solutions Inc. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Consumer complaint received 2016-08-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (IA)

I am so discouraged. I am a licensed mortgage lender. When I tell a client that they will get their mortgage refund in 2-3 weeks, they get their escrow refund. We on the other hand paid off our mortgage XXXX XXXX, 2016 and still XXXX XXXX, 2016 are still being told the check is in the mail.
Consumer complaint received 2016-05-09
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: BB&T CORPORATION (NC)

I am a costomer of BB & T and have been for XXXX years.I own a home and auto and owe nobody anything except a hospitol bill.For the last decade i have been helping my mom and dad with their health problems.I put in for a loan at BB & T for amount of XXXX.They turned me down saying i didn`t have enough credit.Given their logic nobody comming out of high school or collage will ever be able to do banking with them.When i ask for an address for the board members to send them a letter complaining about this, they keep stonewalling me and will not let me complain directly.It seems that they are trying to hide incompadance from upper management.The paperwork i recieved from my loan applacation is very sloppy.Next i will contact the XXXX on banking.If BB & T doesn`t wish to take care of taxpayers then taxpayers need not loan money to this type of a bank.