davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (AL)

I had two fraudulent credit card accounts opened at an XXXXXXXX XXXX XXXX XXXX  on the same day. I called XXXX and was directed to Comenity Capital Bank since they do the credit cards. I spoke to an fraud specialist there and was informed two accounts had been opened the same day. one account was closed due to fraud but the second wasnt and the bill was turned over to a third party called XXXX XXXX  XXXX who gave the account to XXXX XXXX XXXX Comenity fraud dept representative told me that they were attempting to buy back the account due to fraud investigation and that the other account was closed as a result of fraud. I was told to contact XXXX XXXX XXXX but they would send me information on Comenity Capitals side in 7-10 days which I never got. I called XXXX XXXX XXXX who transferred me to XXXX stating they dont manage the account but that XXXX does. I reported the fraud account being opened and disputed the account to both XXXX XXXX and XXXX. I also reported to them that there was another account from XXXX that had been opened on the same day as the debt account they had, that was marked as a result of fraud and closed. I was told my account would be deleted in 2-3 days. 2 days later I got an email from XXXX stating that they verified the debt and provided bills from the account and denied it being Fraudulent and wouldnt remove it and asked for me to setup a payment plan. I provided them with my FTC identity theft report and the discussion I had with the fraud department at Comenity and nothing. The debt is still showing on my credit report and I have gotten zero documents from Comenity, XXXX XXXX XXXX or XXXX not has the account fraud been verified with all XXXX credit bureaus. Now my information has also been part of a data leak and my information is on the dark web and no one wants to help. I have had attempts at my email, fraudulent charges on my debit card which I had to close and false inquiries and information on my credit report. Please help
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am following up my dispute regarding the discrepancies reported on my credit report. Upon reviewing the information provided, it has become evident that there are numerous inaccuracies and unverified entries that are negatively impacting my credit score.
Consumer complaint received 2020-05-15
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

The company ( s ) are purposely blocking any attempts to dispute inaccurate information by mail, certified and regular. i have mailed in numerous disputes they have blocked and not disputed- they state the dispute seems it did not come from me. however, i believe they are doing this illegally in attempt to deter disputing anything that is reported. please hold these companies liable for these actions. They have not only dramatically impacted me financially, but also emotionally. Due to their deceptive actions, i have now lost the ability to purchase a home since the dispute was never filed according to the FCRA that i submitted by mail with all required documents! I should be entitled to compensation to remedy the effects of this!
Consumer complaint received 2020-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I am contacting you in reference to USAA XXXX  who is the subject of this complaint. It is believed that USAA for a period of more than 5 years as a customer of its bank has engaged discriminatory business practices that involve the denial of credit when other credit cards companies have offered me unsecured lines of credits on the same day that I requested credit from the bank. I have in my possession a credit card that started out as a secured credit card valued at {$500.00} with another military bank which has grown to over {$10000.00} compared to USAA who has not approved an unsecured credit card while as a member. Even worse USAA is the only bank that charges me an annual fee for a secure credit card. The credit cards that I own that have that started as a secured card have been automatically been made unsecured by another military bank. While USAA has refused to approve any lending products as a member for over 5 years. I have asked on numerous occasions and even complained about their unfair business practices to their customer service team with no resolution.
Consumer complaint received 2017-01-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I am a victim of identity theft and have been a victim of identity theft for over 10 years. I have some unauthorized and fraudulent credit inquiries listed on my Trans Union Credit Report. The following credit inquiries are fraudulent and unauthorized : XXXX, XX/XX/2017, XXXX, XX/XX/2017, XXXX, XX/XX/2017. Further, I have employment information that do n't belong to me. I have never been employed at XXXX XXXX XXXX XXXX.
Consumer complaint received 2015-05-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed information to be incorrect regarding dismissed bankruptcies. I have never been in court on such a matter and was told they verified this through a XXXX party called pacer. XXXX has no such files under my ss # and again I let them know that. Still they continue to report it even after submitting the proper theft report and affidavits si, ply stating there was no info on file. This is a violation of XXXX and other laws under FCRA and FACRA.
Consumer complaint received 2016-12-31
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (SC)

We were trying to trade our current mobile home in on a new home and the closing attorney needed a copy of the title of our current home and was not having any success in getting it from Wells Fargo so they asked for my assistance. This process started in XXXX. On XX/XX/XXXX I contacted XXXX at my local branch of Wells Fargo in XXXX, SC on XXXX. XXXX told me it would take one to three business days to get the copy of the title. On XX/XX/XXXX XXXX called me to let me know he was working on my request and I could contact him if I had any questions. On XX/XX/XXXX I talked with an associate of XXXX who wanted to let me know he had to leave the office early. On XX/XX/XXXX I went back to Wells Fargo to see what progress XXXX had made and he told me that he was told it would take an additional week to ten days to get the copy. On XX/XX/XXXX. XXXX called me and told me to call the XXXX to get a copy of the title. I called the XXXX and was told that I could not get a copy because the lean holder was the only one that could get a copy. My case was turned over to a Home Equity Specialist named XXXX. I have had trouble getting XXXX to return my phone calls. She called me on XX/XX/XXXX while we were out. I tried to call her back on XX/XX/XXXX, twice on XX/XX/XXXX and finally heard from her on XX/XX/XXXX at XXXX when she told me that I needed a to get a DMV lean report. I went to the XXXX to ask for the report and they told me there was no such report. I was able to getan information inquiry which showed that my mobile home was still showing the lean holder as XXXX bank. XXXX was aquired by Wachovia who was aquired by Wells Fargo who did not update the information after the takeover. Wells Fargo said they only have a copy of the loan agreement. I tried to call XXXX back on XX/XX/XXXX to tell her what the XXXX told me and can not get her to return my calls. I tried to start the process over again by filing another request on XX/XX/XXXX. I started at XXXX and was given other numbers to call and transfered to to different departments ending up with the mobile home department and being put on hold and when a person came back on line i was told she could no longer help me and hung up on me. I have been hoping that I would recieve a solution by now but got another letter saying they would have a resolution by XX/XX/2017. Can you please help me get a copy of the title to my mobile home. I can provide Vin #, Vehicle ID and such information as needed upon your request. 
Thank you for your assistance
Consumer complaint received 2024-03-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (KY)

This account with XXXX began in 2019 and was taken care of in 2019 after my complaint to the Florida Attorney Generals Office ( Attached ) Now, Credence Management has entered a derogatory remark on my credit files in the amount of XXXX XXXX ( {$300.00} ) plus dollars. I have not received any correspondence from XXXX or Credence since 2019 and I have only moved once, and in the same city. I had and still have a forwarding address on file with our post office. There is no excuse, had this been a valid debt that Credence couldnt of contacted me. I noticed their entry on my reports and contacted them. 

My first contact with Credence was via email on XX/XX/XXXX to which they responded they were in receipt of my correspondence ; and, had advised XXXX. My second correspondence with Credence was on XX/XX/XXXX, to which they responded on XX/XX/XXXX, that they had received my email. Today is XX/XX/XXXX, one month later from my SECOND correspondence to Credence ; and, I have received absolutely NO additional correspondence from XXXX or Credence via US Mail or Email. 

I am requesting that this derogatory remark be removed from each of my credit reports immediately.
Consumer complaint received 2022-08-14
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was not notified by Capital One that my Venture card was about to auto-renew for the {$59.00} membership fee. I received an email that a membership fee was on my statement and I called them to downgrade to a card that did not have a membership fee before it was taken out of my account. I was given a new card with no fee, but then still charged the membership fee for the Venture card. I called Capital One and was told that they could not reverse the charge because my Venture card was technically active for a few days. A supervisor told me that I would have needed to call 40 days before the membership auto renewed to successfully downgrade to a card with no fee, which is not common knowledge. Additionally, I was told that I " agreed '' to still pay the membership fee for the Venture card when I accepted the new terms and conditions for the card with no membership fee. I asked for them to share the recorded call where I technically " agreed '' to still pay the membership fee for the other card and they said it was proprietary information. They have refused to reverse the charges. Their practices for auto-renewing membership fees are incredibly deceptive and trapped me into a credit card that I no longer want.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (FL)

I am writing to formally address an issue that has persisted with my business banking services at Truist. Over the past year, I have noticed an increasing frequency of high account fees, including overdraft and XXXX transaction charges. Despite my discussions with multiple customer service representatives, I have been told that nothing can be done to adjust these fees. 

As a loyal client who not only maintains a business account but also a business credit card, generating substantial business, I am disappointed with the lack of consideration given to my situation. It is hard to believe that Truist would overlook the value of maintaining a positive relationship with its clients. 

Therefore, I request a thorough review of my account charges and seek appropriate compensation for the fees I believe were unjustly applied. I appreciate your attention to this matter and look forward to your prompt response.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

In XX/XX/XXXX, I noticed a hard inquiry on my credit report from Capital One dated XX/XX/XXXX. I have no accounts with Capital One and made no attempt to open an account with them, leading me to believe this inquiry was fraudulent. 

On XX/XX/XXXX, I contacted Capital One. They indicated that my identity did not correlate with any open accounts and were unable to provide any further information because there were no open accounts. In order to investigate further, they indicated I needed to first contact and resolve cases with each of the three credit bureaus. 

Also on XX/XX/XXXX, I contacted each of the credit bureaus. I opened a case with XXXX ( confirmation number XXXX ). XXXX required that I provide a police or FTC report to dispute the case. XXXX was not open because XX/XX/XXXX is a Saturday and they are regularly closed on weekends.
Consumer complaint received 2024-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

Around XX/XX/year>, I was a victim of identity theft. Someone used my social security number to purchase furniture, open a utility account and now this charge for some type of apartment is showing up on my credit as an collection amount. These charges were in Maryland and the latest is Virginia. I have never visited, lived or purchased anything in either of these XXXX states. I have lived in Georgia at my current residence that my husband and I built for the past XXXX XXXX years in XXXX , GA. I will be placing another fraud alert on my credit in hopes to prevent this in the future.
Consumer complaint received 2022-08-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

In accordance with the Fair Credit Reporting act. This account 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Debt Collection Practices Act. 
Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Consumer complaint received 2024-05-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Freedom Mortgage Company (LA)

Last week I checked my account and it shows that the foreclosure is on hold, I then checked the foreclosure website for our local area and it shows I am in active foreclosure. 
I called in to the lender and they said that I am on hold because we are working on the loan modification process and that I have to submit only two documents before XX/XX/year>. I submitted the documents they asked for on Saturday and now I called today and they said that they need one more document. Why can they tell me that they only need 2 documents then say they need another one after the expiration date and I put everything on pause to get this completed?
Consumer complaint received 2022-08-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

My wife ( XXXX XXXX XXXX had a lease with XXXX XXXX. We decided to purchase the vehicle at the end of the lease ( we are a few months away. When we contacted the dealer- the direction on the website- they told us we were REQUIRED to finance with the dealership or someone they refer us to. That is not in our lease agreement and the rates were much higher than what was available to us from other sources. 

When I called XXXX XXXX they told us this was a common occurrence at the dealership - common enough that XXXX XXXX had decided consumers would not have to deal with the local dealership - and XXXX XXXX professionally handled our transition from a lease to a loan with XXXX XXXXXXXX XXXX XXXX. 

I spoke to the Area Manager for XXXX XXXX- and he said he knows this happens and they are working on it? I told him that is an outrageous answer - people that are defrauding their clients should be fired! Basically the people at XXXX XXXX -including the sales person and business manager lied to us about our lease agreement to trick us into taking a loan with one of their partners so - in their words " they could make some money on the loan '' ... They didn't just try to sell it- they said it would be required - and they would sue us and attempt to rescind the purchase if we got a loan with another financing agency. 

I am sure they would catch some people in this net but it is fraud, illegal and clearly unethical. 

We had to spend additional time to get this completed ( which it now has been completed ). 

We believe some compensation for us is in order ; and some sanctions against the dealership should be imposed... 

Thank you
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

There were 3 accounts in which were applied for with XXXX. 
XXXX. ) XXXX XXXX XXXX : I openned this account and fraudulent charges were made on this account. XXXX refused to correcct it and charged me over {$500.00} to close the account. I did pay and close the account to stop the harrashment even thou I did request they research the fraudelent charges but they refused. 
XXXX ) XXXX XXXX application on XX/XX/XXXX application # XXXX is fraud. I never applied for this account. 
XXXX ) XXXX VIP Rewards visa card on XX/XX/XXXX application # XXXX which is fraud. I never applied for this account. 

There also was a XXXX business card account applied for in my exhusbands and my name which was fraudulent on XX/XX/XXXX. Neither my exhusband or myself applied for it. 

There also is a XXXX XXXX account that is linked to my credit report which does not belong to me. ( I believe it belongs to my XXXX XXXX XXXX It is being reported on my credit report as well as his address which I have never resided at. I have addressed this issue previously with XXXX XXXX and it was removed but it is now showing up on my credit report again. I have place a dispute with Experian regarding this issue. 

My exhusband and I have not resided nor applied for any credit together for a very long time. This issue needs to be resolved asap. Thank you for your time and help in this matter.
Consumer complaint received 2024-05-11
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

A fraudulent credit card ( XXXX XXXX - citi bank ) was opened on XX/XX/XXXX and around {$1900.00} spent. I noticed this about a month later with my XXXX XXXX  app and reported it to Citi immediately. They closed the account and opened an investigation. However, I just received a letter saying that their security team did not deem this a fraudulent account and that I'm still responsible for the charges. This account IS fraudulent. I did not open an account, nor did I purchase anything with a credit card from Citi bank.
Consumer complaint received 2022-08-14
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. (TX)

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

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

According to : 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 According to : 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.