davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (CA)

There was a auto loan that was open fraudulently in XXXX under XXXX XXXX XXXX  DEBT OWED {$9900.00}. 
I HAVE MENTIONED THIS ACCOUNT TO EXPERIAN DIRECTLY AND INFORMED THEM THAT I DO NOT OWN THIS ACCOUNT IT WAS OPEN DUE TO IDENTITY THEFT. I HAVE FILED A COMPLAINT WITH OUR STATE ATTORNEY GENERAL I HAVE ALSO FOUND A COMPLAINT WITH THE XXXX XXXX XXXX THAT RESPONDED THEY DID NOT FIND MY NAME IN THE CONSUMER DATABASE WITH THIS COMPANY. This response came directly from XXXX employee name XXXX XXXX letter sent to me via email XX/XX/XXXX. Please contact them for verification of my complaint and their investigation results. My case ID # XXXX. I IMMEDIATELY CONTACTED EXPERIAN VIA USPS MAIL CERTIFIED WITH RETURN RECEIPT AND PRIORITY TRACKING. THE RETURN RECEIPT WAS RETURNED TO ME XX/XX/XXXX PLEASE VIEW THE PHOTOS ATTACHED. ALSO I SENT DIRECT DISPUTES TO XXXX XXXX XXXX USPS CERTIFIED WITH RETURN RECEIPT AND PRIORITY TRACKING. ALSO RECEIVED THEIR SIGNATURE ON XX/XX/XXXX AND XX/XX/XXXX FROM EMPLOYEE XXXX XXXX CONFIRMING THEY RECEIVED MY MAIL. YET I HAVE NOT RECEIVED ANY RESPONSE BACK FROM THEM.PLEASE VIEW PHOTOS ATTACHED. TO PROVIDE THEM THE POLICE REPORT IDENTITY THEFT REPORT AND OTHER SUPPORTING DOCUMENTS. THIS MATTER HAS BEEN DISPUTED SINCE XXXX. YET IT IS STILL BEING REPORTED ON MY CREDIT FILE. MY RIGHTS INDICATE AS LONG AS I SUBMIT POLICE REPORT AND IDENTITY THEFT REPORT ALL INFORMATION I REPORTED TO THEM ON THIS ACCOUNT WOULD BE BLOCKED. I NEED THEM TO REMOVE THIS ACCOUNT AS IT DOES NOT BELONG TO ME. Police report was filed on XXXX XXXX the report # is XXXX. Please view attachment of police report filed. ALL MY STATEMENTS IN THIS COMPLAINT CAN BE VERIFIED.
Consumer complaint received 2020-04-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

since XXXX XXXX I am traying to transfer my money in a Merril Lynch account ( XXXX ) with no success as today XX/XX/2020 .... 
I contact the bank several times and only receive absurd excuses .as need additional document or need to wait.
Consumer complaint received 2022-08-09
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX To Whom It May Concern : I received a copy of my credit report with the intention to trying to improve my credit and take care of mu reasonability and noticed an account I wanted a little more explanation on. I am just saying that I am not 100 percent sure if it is accurate. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you to you all.

Are you familiar with something called 15 U.S.C.Sec. 1681i ( a )? I heard that if you can't provide proof. these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent correct. So, could you please check on these and get back with me? I saw on a credit site and board where this lawyer said you had 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or correct on them. 

Account : Account name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Please investigate, if every piece of information is correct. If not, please remove it from my credit report. 

Thank you for your time and help with this matter.
Consumer complaint received 2022-08-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TX)

On this date I received a {$400.00} Cash payment from a friend to my Paypal Account. 

They were charged a fee to send it to me, and then I was told I would have a fee to pull it out. And so I agreed to all of that- which put me at {$370.00}, and I said yes. 

All afternoon the transfer of the CASH to my bank account was DECLINED. I have called them more than 4 times, and I am put on hold or disconnected, and they REFUSE TO HAVE SOMEONE CALL ME OR DISCUSS ANY OF THIS WITH ME, AND I AM NOW LATE PAYING SOME BILLS THAT WERE DUE TODAY BECAUSE THEY ARE HOLDING MY CASH. 

ISN'T IT ILLEGAL TO HAVE ZERO CUSTOMER SERVICE AND HOLD MY CASH FROM ME??? I AM LIVID UPSET!
Consumer complaint received 2024-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

I disputed a transaction with my bank for which I didn't receive goods or services for and my bank denied my dispute without investigating. They didn't ask me for supporting documents and there wasn't even an option for me to describe what happened. I was just able to tap a couple buttons to file the dispute and within a couple days was notified that my dispute was denied. I even tried to appeal the dispute but to no avail. No one from Truist reached out to me to ask me for me details or any type of evidence to support my claim. No type of communication from Truist whatsoever.
Consumer complaint received 2019-06-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc (CA)

On XX/XX/2018, I was contacted by Chicago Title because two real estate transactions, both selling my home and purchasing a new home was taking place the next day on XX/XX/XXXX. Chicago Title failed to discover a lien on my property from XXXX XXXX, a bank I had a 2nd mortgage with prior. During a Chapter XXXX Bankruptcy, some 8 years before, the debt was discharged but the lien remained. Chicago Title came up with a solution to their oversight and that was to hold back $ XXXX from the sale of my property, which remains in escrow today, almost a year later. They also had me sign a performance lien and attached it to my new property. As you can see from the attached document, they had me sign it the night before closing and I had no time to review with anyone and was told I had to sign or face multiple lawsuits from my buyer and my seller. I felt I signed under duress and felt it should have been Chicago Title 's professional responsibility to discover this lien earlier. If you click on the hyperlink on the document, you will see the performance lien.
Consumer complaint received 2019-07-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: KEYCORP (KS)

My Kansas State XXXX XXXX direct deposit payments ( XXXX ) to KeyBank NA has been hacked over the past two months. So far I have lost over {$1500.00}. I have notified the KeyBank, Kansas State, the FTC, credit reporting companies. KeyBank has reissued me three new debit cards to try to stop this, to no avail. Though I have not yet received my third debit card, I did notice, KeyBank has issued a credit for the most recent charges. Since I am a disabled person and was hospitalized and recovering while this was initially happening, I didnt notice at first, because I wasnt using the card. The bank is indicating that since I didnt report it right away, they arent responsible. 

The same day I reported my first hacking letter to KeyBank, I received a notice that I had been involved in a breach from XXXX and XXXX. 

Even though I have been reimbursed {$810.00}, there is no way to be sure it will be there long enough until I get my new debit card to cash it out before the hacker gets it. Please help me. 

XX/XX/19 {$400.00} XX/XX/19 {$250.00} XX/XX/19 {$210.00} XX/XX/19 {$500.00} ( reimbursed ) XX/XX/19 {$310.00} ( reimbursed )
Consumer complaint received 2023-03-20
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. (MI)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/2022, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00}, XXXX XXXX/XXXX/XXXX
Consumer complaint received 2023-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to the 3 Credit BureausXXXX XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX  XXXX Balance Owed : {$360.00} XXXX  XXXX Balance Owed : {$350000.00}
Consumer complaint received 2024-11-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TRUIST FINANCIAL CORPORATION (PA)

Good Day XXXXXXXX XXXX Trusit  Checking account # XXXX i opended claim on XX/XX/year> amount of {$60.00} debited from XXXX XXXX XXXX XXXXXXXX XXXX DEBIT CARD PURCHASE due to item returned but never received refund, on XX/XX/year> i received the credit from Trusit and Merchant so Tuist issued letter the claim resolved and amount of {$60.00} will debited from account, now truist debited the {$60.00} twice on XX/XX/year>, XX/XX/year> attached copy of my bank account acitivity Truist must issued credit of {$60.00} they debited from account, since already debited on XX/XX/scrub> XXXX XXXX XXXX
Consumer complaint received 2022-08-09
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. (NY)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2022-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NJ)

I am still trying to obtain information to the law that is consistently referenced in correspondence regarding my XXXX XXXX XXXX XXXX  Loan. In my original master promissory note, which is still held, it explicitly states that if we are not eligible for an income based repayment plan, that we can be switched to a Direct Loan. ( See attachment below ). It also states that if both parties are eligible for forgiveness, then we are eligible for forgiveness. If the terms of this master promissory note have changed or if a new contract was signed, we have no recollection or reference of that. I would like to know the SPECIFIC law that states that my loans can not be reconsolidated. Id like proof in policy that states that I can not be switched to a Direct Loan which would allow me to be put on an income based repayment plan.
Consumer complaint received 2022-08-09
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. (NY)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2023-03-19
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. (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. 

XXXX. XXXX XXXX XXXX ( XXXX XXXX ). ( XXXX ) : Account # XXXX XXXX {$2200.00} XXXX. XXXX ( XXXX ) : Account # XXXX, XXXX {$1400.00} XXXX. XXXX XXXX XXXX : Account # XXXX, Amount {$120.00} XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX Amount {$100.00} 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 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 2023-03-19
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. (KY)

I XXXX XXXX am a victim of Identity theft. XXXX XXXX XXXX Reprted fraudulent accounts to my credit report. I ask that this fraudulent accounts be removed immediately.
Consumer complaint received 2022-08-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Upstart Holdings, Inc. (CA)

I officially refinanced my auto loan on XX/XX/22 with Upstart Network. Shortly afterward I made a personal decision to sell my car and was unable to because my VIN is non transferable, due to Upstart 'not having perfected ' the lien as of yet. They gave an expected title processing time for XXXX DMV when I contacted them, which would be XXXX weeks from XX/XX/22. I would call regularly to check on the status of this and customer service will have records of each call I made. Nearly each time I called, my time for processing expectations would be mismanaged or re-set in some way, even to the point of adding significant amounts of time. I was never allowed to speak to any type of supervisor or management and calls were never returned to me as promised. I made an initial complaint to XXXX on XX/XX/22 and this was the only thing that was able to get anyone who you would assume had any authority to respond from Upstart and explain that an error had been made and was now corrected and that the XXXX DMV would have the title from XXXX no later than XX/XX/22 now resetting the expected time to XXXX weeks again which likely will double the time for something that should be a really transparent and straightforward process. Something is wrong here and I am being ignored weather by intention or design. I am actually losing a lot of money because of this issue. I suspect that there is potentially fraudulent activity or some type of compliance violation happening within Upstart Networks who, 4 days after they received my first XXXX complaint, sent a message stating that my loan payment instructions had changed and they were to go here for future payments : Upstart XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I don't know if this is a coincidence or not. But I thought it an interesting detail. I need this to be resolved and I would like Upstart to be investigated. I would like to hear from someone on this matter with regards to my title at Upstart and from someone at CFPB about the rest. Thanks for your time.
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CT)

OnXX/XX/2022 I noticed that my main checking account was locked for no reason at all. Direct deposits and transfers have been failing to and from my accont. In this account I have {$2100.00} and have failed to get another {$1800.00} approx in deposits because of it that would have gone into this account automatically. 

I called an spent 2 hours being transferred around by Wells Fargo as nobody seemed to understand what the problem was. I then went into the local Wells fargo branch and after about an hour of the manager calling around trying to figure out the problem, they came up with an old investment I had maybe for 20 years that needed to be updated that was linked to my checking. I do not use that account and I thought it was closed. There is no money in it, and nothing is owed. The only reason they had both accounts locked is because it needed personal information updated. The manager took my information, updated it and said it would be fixed in 24-48 hours and it was not. I then went back to that branch again and he spent another hour on it with he same problem nobody could fix it but they said it would then again take 24 to 48 hours. All this time my transfers and direct deposits have been bouncing and my Mortage payments are late. 

So the first branch then sent me to another branch who had access to that part of the business and they told me it would be resolved in an hour, then 24 hours then 48 hours. It was not. I went back to that branch and I got the same line again that it is being worked on but nobody can work on it. I the mean time I can't pay any bills with that money. I need my account release immediately. Today is XX/XX/2022 and it still is not resolved.
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Comerica (MA)

I received a Direct Express card over a year ago on behalf of my daughter, for Social Security benefits due to XXXX. I want to transfer the balance into her bank account, but when I try to do this using their automated phone service, I receive an error message saying it can not be completed, and no other information. I have tried several times. When I call them to try to speak to a person, the wait time is endless and I am never connected to a person. I have tried to transfer the money using their online system and it simply does not work. It looks like the transfer is pending but then nothing is sent and no error message is received.
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc (NC)

Checkr has reported to many potential employers that I have a restriction on my Drivers License of no passengers. This is incorrect and I have provided them numorous time of the motor vehicle report from The State of North Carolina. My current license has only a restriction of Corrective lenses. I know where they are getting the No passengers and that is from a Motorcycle PERMIT that expired XXXX. I have attached the MVR.
Consumer complaint received 2023-03-19
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Greeting Team, LLC DBA Customer Care Global (CA)

On XX/XX/2023 I received two text messages from someone named XXXX with Customer Care Global stating they received a notice from their website that I submitted a dispute, which I did not. One text message was sent at XXXX and another text with the same exact message at XXXX. I have never contacted this agency before. These messages continued to wake me up and felt very pushy. I have never received a validation notice from this agency yet they have continued to contact me about this debt.
Consumer complaint received 2022-08-09
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. (TX)

My personal info was used without my permission to open fraudulent accounts, unauthorized and unknown residenal addresses. 

Transunion XXXX XXXX XXXX XXXX : {$630.00} Date Open : XX/XX/XXXX Addresses XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tx XXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX # : XXXX Date Open : XX/XX/XXXX Bal : {$630.00} XXXX XXXX XXXX # : XXXX Date Open : XX/XX/XXXX Bal : {$2800.00} Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX