davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NV)

I lost my job in XXXX, just after the stock market crashed in XXXX. I tried multiple times to get the payment lowered before I was FORCED to sell my house. Each time I ran into " you don't meet the requirements for refinancing ". I was told that that my account and in good standing, yet I was refused refinancing. Wells Fargo must have records of my calls as there many. This is how Wells Fargo treats it's customers! I had to sell my house to keep from losing it!!! 

If further information is needed please contact me.
Consumer complaint received 2023-01-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

As a paypal user, I used it as one of my mode of payments because it is very accessible. When the time comes that different sender of payments are sending on my account, paypal issued that I am violating their terms and conditions. As part of a business, it is also expanding that's why, different people are sending their payments on my account. Year 2021, I always use paypal for me to easily get the payment of my customers.. But when they decided to close my account, I was also struggle how to get the payment that I need. Hope you can help me restore my account
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WorldRemit Corp. (NC)

I sent money to my account in the XXXX and they want to get my bank statements but I cant produce that as my bank has no bank statements for the XX/XX/XXXX but only XX/XX/XXXX and they suspend my account and didnt return my money to my account in the amount of XXXX
Consumer complaint received 2023-01-21
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. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$53.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$430.00} ; XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$3000.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$84.00} ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2018 Reference # : XXXX.
Consumer complaint received 2020-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I pulled my credit report because I'm looking to purchase a home and I noticed I have accounts reporting that does not belong to me. I tried to resolve this issue with the bureaus but I'm getting no where because they aren't governing the Fair Credit Reporting Act.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is a formal complaint that TransUnion is reporting inaccurate and incomplete credit information. 

I would like to state that TransUnion is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer NEVER gave XXXX written consent to report anything on my consumer report. No consent is identity theft. 
I demand that you remove these inaccuracies off my consumer report immediately. If they are not removed I will not extend my credit to anyone or allow TransUnion to furnish a report for me. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing TransUnion these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If TransUnion wants to continue to business with me, they should delete these inaccuracies off my consumer report. 


I demand that the following account removed immediately : XXXX. The following account is not XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 




Under federal law, you have XXXX ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your investigation. 







Thank You, XXXX XXXX
Consumer complaint received 2023-01-31
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Yamaha Motor Finance Corporation USA (ID)

On XX/XX/XXXX of XXXX I had bought a XXXX yamaha motorcycle from XXXX XXXX XXXX. I was able to register the motorcycle in the state of XXXX XXXX the same state that XXXX XXXX had it previously registered. I have recently moved to the state of XXXX and I am trying to register the motorcycle here in XXXX I do not have a lien release, as shown in the picture of my title there is still a lien listed on the motorcycle with XXXX XXXX. I have reached out to XXXX XXXX  multiple times spending hours on the phone with multiple representatives. They are not able to assist me due to my name not being on the account. I have reached out to XXXX XXXX over XXXX XXXX but due to him being stationed in XXXX ( he is in the XXXX XXXX ) he is not able to help me. I have reached out to his father who has power of attorney he has not responded to me after one or two conversations. I have recently put in a request with the FDIC but due to XXXX XXXX still being open they will not assist me. This is my last point until I take the legal route as I am trying to avoid that to begin with.
Consumer complaint received 2020-05-21
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Guild Holdings Company (CA)

Ive attempted to contact on numerous occasions Guild mortgage in regards to XXXX loan through XXXX XXXX renovation loan officer her manager and the third party company ( XXXX XXXX ) rep. XXXX XXXX whose to oversee the rehabilitation but to no avail the sale was closed without a walk through previous tenants still onsite refusing me access to property I purchased in XX/XX/2020, Sale agreement ( contract ) stated property was to be delivered tenant free thats the major and first problem. Secondly, XXXX loan has stipulation in regards to work for rehabilitation should be started within 30days of purchase and completed within 6 months. Til date work has not been commenced because tenants refuse to leave. Ive been trying to get help from Guild mortgage since XXXX but they are not providing me with any answer. I leave messages with callback information and no one calls back. In XXXX I started reaching out to third party company XXXX  XXXX for assistances Ive been told they will escalate to Guild Mortgage. Im still waiting. The frustration about this is Ive been paying mortgage on time since XXXX.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been unable to view, start a dispute, change info. or anything else on my Transunion credit report, and this issue has been going on for close to XXXX months now. When I attempt to perform any respective action online, the website provides an error stating " We're unable to complete your request online. '' I have reached out to the company on a great many occasions to fix this issue ( XXXX instances ), both by phone and online ( with saved chat transcripts ). I have been told that Transunion is cognizant of the issue, and that someone will reach out to ameliorate the problem. The company continues to willfully ignore the problem to this day. I have spoken to several supervisors at the firm, notably " XXXX '' ( employee ID # XXXX ) and XXXX, these individuals acknowledged the problem yet absolutely nothing has been done to solve this issue. I have a legal right to access this credit report, dispute issues/inaccuracies on said report and be able to access this report online. Transunion is deliberately preventing me from doing so, and violating my rights. 
Transunion was contacted by my law firm via certified mail on XXXX XXXX XXXX to which they replied that they would rectify the matter, we have their response in writing. Shockingly, to this date, they have willfully done absolutely nothing. They are legally required to allow me access to my credit report and their continued and deliberate failure to do so is unacceptable. 
On numerous occasions, spanning from XXXX XXXX XXXX XXXX XXXX I have reached out to the company to fix this issue, both by phone and on their chat portal. Transunion responded in the past that they are unable to identify who I am and can not locate a report for me but they responded via writing to my law firm acknowledging exactly who I am and that they will fix this issue. They are lying and being dishonest to the CFPB. 
Additionally and concernedly, there were comments made to me by this firm that I felt were racially biased, and that is why they are treating me in this manner. They have not done anything to allow me to access my credit report and they are continuing to violate my rights.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (VA)

A hard inquiry was made on my credit report on XX/XX/ by XXXX XXXX which I did not authorize. 

On my credit report it shows that a credit card was opened on XX/XX/ which I did not authorize. 

Account info Account name XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XXXX Status Open/Never late. 
Status updated XXXX XXXX  Balance {$4300.00} Balance updated XX/XX/ Recent payment $ 0 Monthly payment {$44.00} Credit limit {$4300.00} Highest balance {$4300.00} Terms NA Contact info Phone number None provided Address XXXX XXXX XXXX XXXX XXXX XXXX  Since no phone number is provided, I was unable to call them. I've reached out to XXXX to report this fraudulent activity and they recommended that I file a report online.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/2020 I authorized Progressive to charge XXXX on Wells Fargo Credit Card account to make a Small Business Payment to use to save up equity in buying a new apartment. The amount of equity my Small Business $ $ XXXX $ $ made in the transaction was {$250.00} dollars per month for the year 2020. On XX/XX/XXXX I was to close on the Real Estate property I was renting but due to the Pandemic the property never closed. The business I introduced to to the world was a small XXXX XXXX XXXX that was basically built from the ground up. The company struck Gold on XX/XX/2020 and was ready to help with the Pandemic at moments call. In the short run of it all my small business $ $ XXXX $ $ as a Vendor was never given the contracts to supplement the support given to other Vendors inside the Pandemic to support the worldwide efforts to eradicate the virus probably due to business structure not winning the bid contract disputes In the meantime, my business was left stranded on the side of the road and the $ $ XXXX $ $ commercial vehicle was broke down and would not be fixed due to COVID-19. I set aside {$800.00} dollars on Wells Fargo Credit Card to fix the commercial vehicle. The car was never fixed. Personally, I spent days and months in the Pandemic without my home office and rental property and was left with a Abandoned vehicle. 
In XX/XX/2020, I found another rental property to close on and was evaded again on what I thought to believe was time to make the first rent payment. XX/XX/2020 deadline was given to rental landlords to give renters time to make rent. A new car was purchased to replace abandoned vehicle that was never fixed due to COVID-19.

I never made a single rent payment in 2020. I no longer have my commercial vehicle. My initial {$250.00} in Equity was never granted as a result of the Pandemic. I made a {$900.00} payment to Wells Fargo to go towards the XX/XX/2020 rent complaint. I know eviction can be hard on society and the people involved but this was not an eviction this was a Vaccine on Demand and let everyone suffer from the Market Crash of XX/XX/2020. 
Wells Fargo reversed the {$2600.00} but I never witnessed the commercial vehicle fixed after spending 5 days in a Hotel in XX/XX/2020. I also never saw the rent paid after the lease was signed after a seven month waiting period on a delivery that should of been closed XX/XX/2020. 
I no longer am able to use a Wells Fargo Credit Card that that once had available credit as of XX/XX/2020.
Consumer complaint received 2023-01-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Frontline Asset Strategies, LLC (MI)

This XXXX  account was fraudulent from last year and it was deleted and resold again. I had this deleted from my credit with a police report and FTC report and XXXX report. I have never had XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I co-signed on a loan with XXXX XXXX for my ex-husband, he got into an accident with that car loan and the car was fully covered by insurance company so it should have paid off the loan. My husband and I separated and I found out years later that the loan company only paid everything but one payment. Since they were unable to locate my husband they charged off the account, then they located me years later and has been reporting as open and late payments years later. I agreed to pay off loan with them marking account paid as agreed on my credit. I sent certified letter for this and spoke with someone on XX/XX/2023 and XX/XX/2023 when I made final payment agreeing that they received the letter and would mark account as paid as agreed. There are also several inaccuries being reported on my credit with this car company and this has been reported to all 3 major credit bureaus. This is still listing with an open balance of {$390.00} to spite it being paid on the XX/XX/2023 and all late payments are still reflecting. Every time I contact XXXX XXXX they state they will remove them and they are still not removed.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-01-21
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. (IN)

I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation, providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed : Previous / Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXXXXXX XXXX XXXX XXXX  IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX # XXXX XXXX XXXX, IN XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling and current address. Once again, in order to make the process of deletion easier, here are the incorrect names : Incorrect Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There should only be one name on my credit report, which is XXXX, XXXX XXXX ( not in all capital letters, I am not a corporation, I'm a living human ). 

Please remove inaccurate employers as well as listed below : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-22
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: Experian Information Solutions Inc. (CA)

XX/XX/XXXX I was notified that my info was breached in the XXXX data Breach and were eligible for 7 years of credit report and the erroneous and fradulant accounts would be investigated and to delete for they are not mine. As of today none of 3 credit bureaus have complied and has been going on almost two months without any help. 
15 U.S.C 1681 and the FRCA act, everything must accurate and fair. 
The credit bureaus have violated my rights by still reporting these fraudulant accounts, even though I have sent FTC Identity Theft Affidavit and the XXXX Claim settlement forms for proof that it was reported and filed XXXX XXXX XXXX and sent out.. 
The 3 bureaus continually still shows 3 different address, names, dob and erroneous and fraudulant accounts on my report. 
This is a clear violation of my rights as a consumer and the bureaus have refused to delete these obvious inaccurate and blatant erroneous accounts. 
I will resort to making a thorough complaint also to the XXXX if these accounts are not deleted.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (LA)

On XX/XX/2023 an hard inquiry appeared on my credit report from XXXX XXXX. I did not give consent for this inquiry. I submitted a dispute through XXXX but was told they can not remove a hard inquiry. There is no contact information for the company listed, when conducting an internet search. This may be fraud or done in error. But Id like to prevent any further fradulent activities or lines of credit that I have not given consent for being established.
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have been banking with capital one for over a year and my accounts have been compromised multiple times I have gotten money taken away from me and my account closed and all they could tell me is I have to wait until they are done their investigation, why should I be penalized for my money being stolen from me, I have filed police reports and everything I need help my bills are due and I have $ XXXX tied up in a closed account
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (MD)

Truist Bank has submitted an incorrect XXXX relating to my account to the IRS. I received a XXXX for {$50.00} of interest earned. I did not earn the said {$50.00} in interest ( my account was only open for 58 days in XXXXbefore I closed the account ). I have made multiple attempts to have this resolved. The {$50.00} in question was not for interest earned ( as the XXXX would indicate ) but rather miscellaneous income because they issued me a {$50.00} VISA card due to their incompetent handling of my account prior to closure. The tranistion of the merger with Suntrust and XXXX XXXX XXXX has been a nightmare for all the customers, including myself. The appearance that my accounts earned {$50.00} in 58 days would indicate to the IRS that I have an account that is not being reported. The income is not interest as indicated, merely a miscellaneous income. I do not need income misreported to the IRS prior to tax filing. I do find this action by the bank unreasonable. the bank took more than two weeks, 4 phone calls, multiple text, several emails, as well as an inperson trip to the local branch all without resolution, only excuses.