davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
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. (NC)

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

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capital One Credit Card - Placed in Collections and sent to XXXX XXXX XXXX XXXX XXXX  and placed a Judgement against me - Paid account off, they contacted Capital One, and Capital one was to contact the courts and bureaus to have Judgement against me removed. Could you please look into this. It is preventing us from buying a new home.
Consumer complaint received 2024-02-13
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. (NY)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items 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 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (PA)

This is a complaint against PNC, I have a business checking account that PNC has systematically locked my account and access to money and hindering my business and causing serious emotional duress. On XX/XX/2023 I went to withdraw money from ATM. My account was locked out for fraud, I had a very difficult time getting assistance and was almost stranded during a travel day. After this incident my account has been systematically locked every week and seems to happen on Fridays. It has prevented a number of business transactions that have caused me extreme stress. It's either comical or criminal, the past two incidents I accused PNC of criminal behavior and I was dismissed and laughed at by their representative and yet the lock out occurred again this week. PNC is responsible for negligence at the very least. This is five straight weeks I've had to deal with this, and in the midst of changing banks. Divorcing your bank is more difficult than divorcing your wife! All conversations have been recorded and my belief is PNC 's behavior is criminal, this has gone beyond negligence!
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (SC)

I've been a longstanding customer with Wells Fargo between the years of XXXX and XXXX. This is a response to the illegal account activities that Wells Fargo just made a settlement for to pay customers who might have been affected. I am officially filing my complaint. During the time as a customer I've had several issues of overdraft fees and other charges that I disputed. I finally got frustrated and closed the account and XXXX of XXXX. I just recently started another account with them only because I had some hardwood floors that were being financed with the company.
Consumer complaint received 2024-02-13
Product: Credit reporting 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)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-20
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: WELLS FARGO & COMPANY (CA)

Note ; I have and hold many, many years of paperwork to back up all the information I am sharing with you. 

I purchased a XXXX when I was younger in XXXX. With that purchase I obtained a home improvement loan. Wanted to upgrade the condo and then when I sold it, could possibly make a profit. 

When I purchased the condo it was at that time, the crazy XXXX XXXX loans going around that I unknowingly signed onto. It was my first time, single, being a homeowner. As XXXX XXXX did with so many people it defaulted my loan and forced, I will repeat forced me to file bankruptcy on that loan, even though I had worked out a short sale with a real estate agent. They did not and would not accept that, hence, me filing bankruptcy and having bad credit for 7 years. I survived and moved on. Never banking with Wells Fargo again. 

XXXX, I am going to start my own business. I check in with my bank that I have been banking with XXXX XXXX XXXX XXXX. They turned me down for a business credit card because I had negative information on my credit. I looked into it and found that Wells Fargo re-entered my home improvement loan onto my account for not paying 20 years ago. When they forced me to file for bankruptcy they should have taken the loan contingent with the property off with it. Or included the loan on the 7 year negative credit. By Wells Fargo reintroducing this negative information on my credit again, and it will be there for another 7 years, it will impede on new business, it will force me to pay higher interest rates. This is a perfect example of the large corporations attacking, harassing and nickel and diming regular taxpayers. We all know that if I were a rich person or a well known politician this would not be happening. 

I did submit several investigative disputes. I also contacted and talked with XXXX individuals at Wells Fargo that work in the Complaints Office, that is a Exec. Office Case Specialist ( have the paperwork, letter from this dept. and contact ) in XXXX, and was told that the information should not be on my credit. Then later received another letter XXXX, from a different person in the same dept. and was informed that they could not change the negative information that they entered. I have the paperwork and contact if needed. 

There are more avenues to this issue, but, the afore mentioned is basically the core of the issue. I would like to start a business. This is a Designing business, and it will help my community. I am being altered from this due to the miss handling of my credit records from so long ago. XXXX, would it be possible for you to assist me with this issue. I believe it could probably be easily resolved if you and your excellent team take a look into why they will not address this matter. 

I look forward to hearing from you.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

In 2018, Equifax asked for documents for me to lift a security freeze and restore online access although they always had all needed information from the original security freeze. 

I am trying to refinance my mortgage today and can not lift a freeze. I lifted with the two others and not with Equifax. 
I called today and they are asking me to resubmit the same paper documents they have from two years ago. This is not acceptable and now my mortgage refinance process is at stake on a tight timeline. They also have policies where they say I can not speak with them on speaker phone and are very unfriendly and unhelpful. I can not email them or do anything online to solve my problem I am stuck with a bad XXXX number. 

Please help me get my credit unfrozen and online account restored. Equifax is the only credit reporting agency holding my credit hostage during an important financial transaction. 

XXXX
Consumer complaint received 2022-07-18
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: Experian Information Solutions Inc. (MS)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2021-03-30
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: U.S. BANCORP (AZ)

On or about XX/XX/XXXX I noticed a XXXX charge for XXXX on my account ending in XXXX. I called Elan Financial Services to advise of the fraud charge. They opened a fraud alert and cancelled my card. They assured me that the the account was closed and no other charges would occur. I received my new card and noticed a feature on the credit card application XXXX that showed a " reoccurring charge '' of {$14.00} for XXXX. I called customer service and they told me not to worry about it, that it was for the other card number and I won't have a problem or new charge again. Yesterday XX/XX/XXXX I noticed another charge for XXXX for {$14.00} under my new card ending in XXXX. I called Elan Financial Service again, went over everything. A new fraud claim was opened, a new credit card was issued. They said they won't follow up with XXXX, they also told me that I can either keep my account open or just " close it for good '' because XXXX in the Fraud Department who said she is the " main XXXX  '' said this charge will " just keep happening '' and there is NOTHING THE BANK/Financial Institution will do. I asked to speak to a XXXX she refused to transfer. She basically did NOTHING to resolve my now ongoing problem. I advised I would file a complaint with the CFBP she didn't care. I contacted XXXX, they advised me a of a partial email account of the fake account. They also stated that I would not receive any further charges on either account. They XXXX XXXX  ) also stated they would issue two refunds to Elan Financial for each charge. I did the work of Elan Financial Service- My credit card company.
Consumer complaint received 2023-01-20
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. 
XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$220.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$270.00}
Consumer complaint received 2022-01-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Comerica (CA)

I went to the bank of comerica bank to do a cash advance on my debit card for the amount of XXXX which are my XXXX benefits the teller on XXXX they said it was denied on comerica end on which it cleared from my account never paid. Fraud and I feel the lady did it on purpose
Consumer complaint received 2023-06-22
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: WELLS FARGO & COMPANY (NY)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NY XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number 1 ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

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

J 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I Received verification/ Letters / EMAIL that XXXXXXXX XXXX XXXX XXXX XXXX XXXX has been PAID/COLLECTION CANCELED TO BE REMOVED FROM ALL 3 MAJOR CREDIT REPORTING AGENCIES!!!!! 
ACCORDING TO CONSUMER PROTECTION FEDERAL SERVICES AND THE FCRA, AND THE FEDERAL TRADE COMMISSION!!!!

15 USC 1681 ( A ) ( B ) ( C ) ( E ) STATING INACCURATE INFORMATION AND THE RIGHT TO PRIVACY AND ETC!!!! 
I WANT TO SUE FOR MONETARY DAMAGES FOR ALL THESE YEARS STATING ALL THESE ERRORS ON MY 3 MAJOR CREDIT REPORTING AGENCIES ACCOUNTS!!!

ALL 3 MAJOR CREDIT REPORTING AGENCIES SHOULD REPORT EXACTLY, ACCURATE SAME INFORMATION!!

THIS HAS BEEN 2 TO 3 YEARS DISPUTING THESE 2 OR MORE ACCOUNTS!!

30 TO 90 DAYS IS THE LAW TO REMOVE THESE PROVEN TO EXTEND PAST 30 TO 90 DAYS AUTOMATICALLY SHOULD BE REMOVED FROM ALL 3 CREDIT REPORTING AGENCIES!!
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Un- authorized Inquiries and accounts XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXXXXXX XXXX Account : XXXX REMOVE THIS IMMEDIATELY!!!!
Consumer complaint received 2020-05-23
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: American Credit Acceptance, LLC (TX)

XXXX XXXX has reported my account delinquent on XX/XX/2020 before payment was due, then again on XX/XX/2020 after payment was made on XX/XX/2020. My payment is not 30 days past due and they reported again on XX/XX/2020. I understand if Im 30 days late they can report but multiple delinquent report with less than 30 days past due is a violation of reporting laws. I asked that they remove the incorrect reporting and I was told no. Please assist.
Consumer complaint received 2015-10-26
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: J&L Collection Services (CA)

Threatened to place a derogatory credit remark on my credit history in retaliation for my questioning the accounting & billing tactics employed by their client. 

J & L Teamworks of XXXX, CA has been sent many notices advising them that to pursue these disputed debts while they are disputed is a violation of federal law yet they continue to threaten to do so. 

On the phone I have been told that J & L Teamworks enjoys the fact that XXXX XXXX can not accurately bill. They then get to " clean up deadbeats like.. '' me. And they are paid more for collecting more debts unnecessarily complicated by XXXX XXXX of XXXX XXXX XXXX, CA not sending complete paperwork to patient to substantiate their billing. 

As a result, perceived over-charges now exist as XXXX was successful to work with J & L Teamworks to prevent the errors from being detected. I questioned this practice which led to the threat of derogatory credit comment & I was even banned from using our community 's only emergency room. 

Can you please stop companies from working together like this? It confuses me to the point that I can not understand for what they are collecting. And I have an XXXX in XXXX.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MA)

I received a predatory loan in 2005. Wells Fargo took over the predatory loan and tried to foreclose on my property. There were two loans issued a first and a second. With the help of the Attorney Generals office several years ago I was able to save my home and rewrite my first mortgage with Wells Fargo. Wells Fargo was to discharge the second mortgage as I was given a XXXX modification. They did not discharge that second mortgage and sold that predatory second mortgage off. As a result of this many companies have bought the second mortgage and now the last company that has obtained this second mortgage is for closing on my home. I believe Wells Fargo was to discharge this loan not to sell it off.
Consumer complaint received 2024-02-13
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. (GA)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying at home for my family. please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2022-07-18
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (GA)

I Purchased a new roof for my home from XXXX 's XXXX XXXX on XX/XX/2017. I received several estimates prior to going with Lowe 's. I went with Lowe 's because I trusted they would likely stand behind their product and services and additionally they provided a 10 % discount to veterans which I fall in that category. My original estimate was approximately {$9000.00}. After speaking with the Pro Desk salesman, and talking about the decking that is common for houses in my neighborhood at the age of my house 50 years, I was told that Lowe 's would not be able to do my job without continuous plywood decking. That added an additional {$10000.00} to my job. My new quote totaled out to {$19000.00}. This is with an estimated 46 squares of shingles. After discounting was applied at {$3600.00}, I walked out with a total of {$17000.00}. 
I ended up calling my local county building code inspector who verified with Lowe 's that the additional decking was not needed or required. I informed the salesman from Lowe 's that I did not want or need that additional decking and was told that it would be returned with all the unused product. Every other roofing company including Lowe 's included 400sq.feet of additional wood for repairs when the old shingles were removed. Lowe 's used 400 sq. feet of decking on my garage roof area with the job. At completion, I returned 125 sheets of plywood decking out of 140 sheets. I returned 25 packs of shingles, 2 rolles of 4 synthetic roofing felt and several ridge vents. I was told it ended being 40 squares used. That was 2 squares over what other roofers estimated. After returns, my total ended at {$12000.00}. This is a 30 % markup over every other estimate. I got a total of 6 estimates before settling on Lowe 's. This should've been a {$9000.00} project.