davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX Account # : XXXX XXXX XXXX. Account # : XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2021-11-22
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: EQUIFAX, INC. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-03-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (TX)

New American Funding refinanced my property in XXXX. They were to refinance my home and 1 acre of land. Instead they refinanced my home and added 10 acres of land. I discovered this when I was looking to sale 5 acres of the 10 acres of land.

Mew American Funding stated they had accidently tied 10 acres to my mortgage, and offer to do a " release of lien '' for me in XXXX of XXXX. They seemed to have many problems, and in XX/XX/XXXX asked to do a re-fi again because of the problems with the release of lien.

After 5 surveys, 2 appraisals and credit reports. New American Funding stated that we were ready to close on XX/XX/XXXX, BUT I had to pay off a Loan of {$7100.00} in order to get the deal done. I told them I had to take the monies from my retirement account to pay off the loan, and I had 90 days to put the monies back in my IRA Account. SO i told them I would not do it unless this was a guaranteed re-fi. They stated it was, in writing and to pay off the loan. So on XX/XX/XXXX, I received the funds and paid off the loan. I was then told I had a closing and signing date of XX/XX/XXXX. BUT then on XX/XX/XXXX the day of closing, New American called and stated I had to pay {$10000.00} more in debt, and verify I was not paying for a car I had co-sign for. I had done all of this on XX/XX/XXXX. But XXXX the loan officer said they did not verify anything, and now needed to redo it. 
I re-did all their needed information, and then they stated I did " not qualify '' and I was out of luck. I told them I had spent {$12000.00} on Surveys, Appraisals, and a loan pay-off. And the Senior Vice President said " Too Bad ''.

I need some type of assistance in the mistreating of a customer which has never been late or missed a payment. And because of their mis-handling of my mortgage, they have 10 acres of land and my home on a Mortgage of {$190000.00} which is worth {$470000.00}. Because they did not do their job correctly. 

New American Funding - Senior Vice President XXXX XXXX XXXX @ XXXX XXXX Please Help solve this issue. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Reference Complaint No. XXXX On my previous complaint I stated how my checking account had a number of fraudulent charges from ( unknown to me XXXX locations in XXXX and XXXX along with a charge from the franchise tax broad, XXXX of which I had resolved with the tax broad on my own and the funds had been placed back into my account by the tax broad ) and deduction/withdrawal errors by WellsFargo which put my account in the negative. The deduction errors by WellsFargo occurred during the same time that the tax broad refunded the withdrawal they had made from my account. 

Now, on this morning XXXX XX/XX/2021 ) I called the bank to check the balance on my account only to find out that it is back in the negative again. 
I immediately went online to see what the issue was only to discover that WellsFargo has removed funds out of my account again without any notice to me.

My checking account balance is now - {$400.00}. The bank has not even given to me a comformation on the fraudulent charges claims of which I submitted, per my initial complaint. The new deduction to my account from WellsFargo states that the charge was deducted on ( XX/XX/2021 XXXX and the posted transaction shows ( REVERSAL OF EXCESS CREDIT DUE TO MERCHANT CREDIT CLAIM XXXX ), and the amount is {$410.00}. 

There are no details of exactly what the charges are/or what merchant these charges are from.

I would like to know from WellsFargo exactly from which merchant is trying to reverse charges back to me because, as stated in my previous complaint I do not have any dealings with any merchants in XXXX or XXXX. Therefore, I am requesting that, in order to eliminate another negative balance on my account WellsFargo reinstate the funds of {$410.00} back into my account.
Consumer complaint received 2021-05-22
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (MI)

I came back from vacation from my pops funeral for 2 weeks visiting my family out of town. I checked the website and it said XXXX cardholders recieved their stimulus on the XXXX th of XXXX. I came back in town looking for my card couldnt find it. Call the costumer service they said my money was received. I havent received nothing someone stole my card. On the the XXXX they put in a dispute for me bit I never heard nothing back and I keep calling getting different agents DirectExpress customer service. Requested a new card and everything.
Consumer complaint received 2021-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc (FL)

I have a debit card with chime that is backed by XXXX XXXX. I applied for a SMALL BUSINESS LOAN that was approved the funds were sent to my chime debit card account. Chime closed my account and froze my money. T he sun of XXXX dollars. I contacted chime over and over again put they will not response, they only tell me to email them at chime support. I filed a complaint with the CFPB months ago that lead to a XXXX XXXX from XXXX XXXX to call me, but nothing has been resovle and they still haven't returned the funds to the XXXX or to me. thank you XXXX XXXX
Consumer complaint received 2021-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

Paypal close my account and i want try get back. 
They talk about fraud or dispute activity and i already scan my account is not any dispute or chargeback activity. 

i sent all my personal information for have a verify account but that not help me with paypal. 

in this case if paypal do not want me restore my account, i request let me get access to my money. 
or tell me when i will be avalible for withdraw my funds. 

My email is XXXX XXXX
Consumer complaint received 2021-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

This account is very old from XXXX XXXX. the Date it was Opened was XX/XX/XXXX. It was Paid, Closed and written off. The account should have been deleted in XXXX. It keeps reappearing and It needs to be deleted.
Consumer complaint received 2022-03-28
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. (FL)

Credit bureau failed to investigate all collection debts and send me physical proof that the alleged collections was 100 % factual and accurate. The investigation also took longer than 30 days.
Consumer complaint received 2021-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (NY)

Robinhood is currently holding on to all funds in my account since XX/XX/21 and has blocked me from transferring to my account or another brokerage. I have sent multiple emails and received no assistance. My money is being held without my permission and I have no way of accessing my funds
Consumer complaint received 2020-12-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2021-02-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Supreme Lending (CA)

Refinancing of our mortgage loan was closed and all payments disbursed ( to the previous lender and us ) by the escrow company on XX/XX/2020. 
Lender : Everett Financial Inc., dba Supreme Lending, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Escrow Company : XXXX XXXX XXXX XXXX XXXX California, XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX The lender asked for the first monthly payment to begin on XX/XX/2020. No gap month was offered. We complied and paid the first payment to the lender on time on XX/XX/2020. 
Instead the lender gave us credit for " prepaid interest '' for the period of XX/XX/2020 - XX/XX/2020. 
The escrow was initially scheduled to close on XX/XX/2020. But the closure and fund transfers were delayed until XX/XX/2020. 
But, we were not given the extra credit for " prepaid interest '' for the remaining period of XX/XX/2020 through XX/XX/2020. 
We contacted both escrow company and the new lender several times. But we either got no answer, or was told the escrow is closed and no more funds available to compensate us.
Consumer complaint received 2022-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give 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 removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2021-09-08
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. (CA)

Hello, to whom this may concern. An account with account # XXXX was opened in my name on XX/XX/2020 without my authorization with XXXX for {$6600.00}. I'd really appreciate it if this was taken care of and removed from my report.
Consumer complaint received 2021-05-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (KY)

on the date XXXX I sent a letter stating that this agency is in violation of 15 U.S.C 1692g. This agency fail to respond satisfactorily with deletion of the accounts that are reporting on my credit report it has been over 45 days later and I have not received a response. I truly feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been well over 45 days so they should be deleted. I demand these accounts be deleted and to cease all collection activities immediately or I will file for litigation which I will be seeking {$3000.00} per violation for Defamation, Negligent Enablement of Identity Fraud and Violations of 15 U.S.C 1692g and XXXX XXXXXXXX
Consumer complaint received 2021-06-22
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: TD BANK US HOLDING COMPANY (NJ)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft
Consumer complaint received 2024-12-07
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Albert Corporation (NH)

I used the Albert app for a cash advance. In order to get an advance, you have to pay for their " Genius '' subscription which is {$9.00} a month. I recently repaid my cash advance ( I think, more on this later )- and went to log into the app to delete my account as I didn't want their service anymore. Currently, even though my subscription is PAID AND VALID THROUGH XX/XX/year>, I can not log in unless I agree to pay them {$16.00} a month - a 70 % increase! So I've paid for this app that I am now locked out of and can not log into because they want to charge me more money, which means I can't see any of my repayment statements, see what I owe them or if I owe them, or see what money of mine they are currently holding onto in their " investment account ''. Their support team is awful- there is no phone number to call, they only work via text or e-mail and even then the pace is slow and they give me circular information which doesn't resolve my issue. This is extortion - how can you prevent someone from reviewing loan details or accessing money you're holding of theirs by forcing them to pay a high subscription fee WHILE THEIR ACCOUNT IS ALREADY PAID AS AGREED. INSANE.
Consumer complaint received 2021-02-14
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (CA)

Hello, I have a credit card with CareCredit ( Synchrony Bank ). When I opened my account I received a credit limit was $ XXXX. In XXXX of 2020 they decreased my credit limit by {$4700.00}. Now my credit score is ruined, my new credit limit is {$250.00} verse {$5000.00}. I never received an email for notice on my statement that they were looking into my account for review or even sent a letter stating they lowered my credit limit. I called CareCredit and only informed me that the company runs random credit checks and have the right to lower my credit limit. I never received any information about why they lowered my credit limit. What makes this situation worse is that my mother was a co-signer. Im afraid this is going to effect her credit score. 

I dont know what to do and just feel like this is not good practice. I would like a real explanation as to why they did this to me. 

Thank you
Consumer complaint received 2022-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I affirm that now I am invoking my creditor status as a Federally Protected Consumer in fact, Original Creditor, Principal and Authorized Representative for XXXX XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at least and unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an hold on my account. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of fraud. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I cant access my funds ) Violated 15 USC 1692e ; Using false, deceptive or misleading representations Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation Violated 15 USC 1692e ( 8 ) ; Communicating false information Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval Violated 15 USC 1692e ( 10 ) ; False Representation Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. Invasion of Individual and Family Privacy.
Consumer complaint received 2020-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (VA)

I have had several conversations with PNC regarding how to set up overdraft protection of my accounts. On XX/XX/20, I spoke to XXXX who indicated that my mortgage account did not have any overdraft protection, directly contradicting my previous conversation with a PNC representative ( approximately XX/XX/20 ) in which I was told the mortgage account had overdraft protection added. Each time I speak to a PNC representative regarding this account, I receive different information about which how the accounts are set up. PNC has failed to follow my instructions multiple times. I asked XXXX to listen to previous recordings on this matter, and she claimed there was no way for her to look up this information. This poor communication has resulted in an economic loss as my mortgage company has charged me a {$50.00} NSF fee, and they require a statement for PNC to reverse this charge. PNC is refusing to give this statement, and they are avoiding investigating this matter fully by listening to previous recordings with CSRs which would corroborate my account.
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (PA)

I purchased sneakers from a seller named XXXX XXXX and I purchased a total of {$9600.00} worth of sneakers. XXXX never shipped my products and the products never arrived. XXXX has shown XXXX movement on all of his tracking. I opened up a claim with wells fargo for the refund and they denied my claim for a refund. 

Wells fargo called me asking me questions and then sent me a letter denying my claim saying the charge was authorized. I am disputing that i did not get any goods from the seller and feel entitled to a full refund. I paid with a debit card.
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (WV)

Discover accidentally generated a XXXX $ recurring monthly charge to my account. By the time they caught up to it, XXXX $!? I kept phoning in and finally got it fixed. Recently somebody went behind me and RE OPENED the issue referring it to collections and destroying my credit score. My credit should be clear. I was hoping I could get some assistance or a referral to someone who can fix this problem once and for all. XXXX