davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: VW Credit, Inc (PA)

Greetings i am making this complaint on my own accord and will. No third party is involved in the creation of this complaint. 

I XXXX XXXX, consumer, natural person, and original creditor of an open end credit plan, was denied my right of credit by Volkswagen Group of America , Inc d/b/a/ Audi XXXX. I was informed of this trespassing against my rights specifically 15 U.S.C. 1601 - Truth In Lending Act and 15 U.S.C.1691 - Equal Credit Opportunity Act by Volkswagen Group of America , Inc d/b/a Audi XXXX on XX/XX/2021. According to 15 U.S.C. 1602 definitions of the Truth In Lending Act, I as a natural person possessing an open end credit plan was harmed by Volkswagen Group of America , Inc d/b/a Audi XXXX with the adverse action taken against me denying me my rights, in addition according to 15 U.S.C. 1691a as an applicant i applied to the original creditor indirectly by use of my already existing open end credit plan in which i had adverse action taken against me for the use there of, denying me my rights of which civil damages pursuit to 15 U.S.C. 1640 ( a ) ( 2 ) ( A ) ( iii ) and 15 U.S.C. 1691e ( b ) are up to { {$15000.00} }. Volkswagen Group of America , Inc d/b/a Audi XXXX is now civilly liable to pay me for the damages.
Consumer complaint received 2021-12-31
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I have written to XXXX, Experian and XXXX regarding their practices regarding my FICO score calculation on several occasions disputing the decreasing of my FICO score resulting from inquiry requests when I have placed a freeze on my credit file preventing any activity that would impact my FICO score. I was told as long as I have a freeze on my credit file NO ONE would be able to see my report and my FICO score wouldnt be impacted. My FICO score has decreased for the past year without explanation other than inquiry requests that were blocked by my credit file being frozen. XXXX, Experian and XXXX has either refused to respond with a legal explanation for the decreasing of my FICO score. XXXX, Experian and XXXX is illegally decreasing my FICO preventing me from becoming a homeowner for 3 years now. I am asking the Consumer Financial Protection Bureau to investigate XXXX, Experian and XXXX practices of calculating my FICO score. Thank you in advance for all of your assistance regarding this matter. I have attached my credit report reflecting my FICO score for the year of 2021.
Consumer complaint received 2021-12-31
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd (NY)

My name is XXXX XXXX XXXX XXXX, I am a Transferwise customer with email address XXXX Transferwise has deactivated my account with over XXXX XXXXXXXX XXXX without refunding to me. 

Each time I tried to appeal by submiting my bank details in the wise appeal website, I got an error message that I need to send email to XXXX XXXX XXXX  which I did with subject " My Refund Details '' and tickets number XXXX was given to me on XXXX XX/XX/2022 containing my bank details which I need wise to send my refund to. 

I also sent email to wise support email which is XXXX XXXX XXXX containing my USD bank details and instructions on how I want my refunds to be sent to me, but I got no reply. The subject of my email to wise was " My Refund Details '' and the date of correspondence was XXXX XXXX, 2022 I will share the details of the instructions I sent to wise here My decision is as follows ; XXXX. That Wise to convert all the funds that was leftover in my Wise account to USD and send to my USD bank details below : Bank Name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX Routing Number : XXXX Account Number : XXXX XXXX. I also need wise to cancel any pending transfers on my account and move the money to my refund bank details Which is stated in decision number XXXX. 

This means if there was any pending transfers to any beneficiary before my account got deactivated, wise should cancel those transfers that wasn't completed and send the amount to my refund Bank details which is Routing Number : XXXX Account Number : XXXX. 


I want wise to respond in timely manner and send me my refund and provide the refund receipt to this complaint
Consumer complaint received 2015-04-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trident Asset Management, L.L.C. (WI)

Trident Asset Mgt XXXX a collection company out of Georgia contacted me threatening me with legal action regarding a check that was written by an old employer that I provided to their supplier. I am not the owner of the check, it was a corporate check for my former employer. I have sent XXXX dispute letters to the company, XXXX to a gentleman name " XXXX '' and then a woman name " XXXX '' via fax, and still no response. It has been more than 30 days, almost two months and no resolution. I am not financially reliable for a corporate account, or something my previous employer is responsible for. Please help me rectify this matter.
Consumer complaint received 2021-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (MS)

XX/XX/2021 I mobile deposited a large check in my account indorsed to my sister they flagged my account and froze it untill my security appeal was approved .after the approval I was told to drive back down with my sister and our IDs we done that my sister was recently divorced so her named was back to her maiden name on her I'd well they requested divorce decree for her so we went got that the. At XXXX XXXX after honestly being there all day was told they needed more proof that was three months ago I've done security appeals everything being approved as they ask of me to get the funds released to myself and sister LITTERALLY have to drive 3 hours away to a branch sit their all day with the documents they required to be told at approximately XXXX XXXX  closing time that the documents they requested were not actually good enough now that I finally got them this has happened twice I've followed and complied completely with them to be treated like complete garbage when I got their my self and sister were both rudely spoken to as well as pushed back in line several times very very bad customers service when ask to have a supervisor we were told there was not one there this is ridiculous
Consumer complaint received 2021-12-31
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)

Over 50 fraudulent inquiries in 3 days I have disputed over 5 times and credit report still aiding fraud against me by not removing fraudulent inquiries off my credit report. 
Also, I used a new credit card and in 1 day it was reported maximum use before I could even pay before due date which was over 20 days I had to pay. all other credit reporting has corrected the fraudulent inquiries but " Experian. '' " XXXX '' put maximum use of new credit card use 1 day after use but has not corrected card is paid in full. Due day has not come or is it legal to accept report 1 day after use.
Consumer complaint received 2021-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

On Thursday, XX/XX/2021, around XXXXXXXX XXXX. Pacific Time, I tried to login to Citibanks online banking. My username and login has been disabled. I then tried to reset my password using my 16 digit card number and last four ( 4 ) numbers of my social security number. I received a message that said : XXXX XXXXXXXX Locked The information you entered does not match our records. The information I submitted was correct ; there were no typographical errors. I then called customer service by calling the telephone number on the back of my debit card ( XXXX ) XXXX. I spoke with a XXXX female supervisor that disconnected the telephone call on me. She did not call me back. I called back and spoke to a XXXX male supervisor by the name of XXXX. He indicated he was in the Client Relations department in XXXX, XXXX. The call disconnected again. I did not receive a call back. I called ( XXXX ) XXXX and the automated system asked for my social security number. The automated system said my social security number does not match their records. I hung up and tried again and got the same result. There were no typographical errors when I input my social security number. My login is defunct, my debit card is defunct and my social security number is defunct. This does not sit well with me because I just deposited a personal check for {$5500.00} from my XXXX XXXX checking account and now I dont have access to my funds-during a pandemic. 

I then spoke to a female supervisor around XXXX XXXX. PT and she stopped talking during the phone call. The call was disconnected yet again and I did not receive a call back from Citibank. 

I called ( XXXX ) XXXX around XXXXXXXX XXXX. PT and the automated system again did not recognize my social security number or debit card number. The automated system said it will transfer me to an agent, however, the telephone continued to ring and ring ; no one answered the telephone call. The ring was continuous forcing me to hang up and call back. 

It is egregious of Citibank to block my account without informing me in advance. I did not receive any communication from Citibank via telephone call, e-mail or text correspondence. I learned of the block after the fact. I still dont know why Citibank blocked my account. I did not do anything wrong. What if I had an emergency and needed access to my funds? The money belongs to me ; not Citibank. 

I am maintaining a careful record of my communications with you for the purposes of filing a complaint with the Attorney Generals office, Office of the Comptroller and FDIC, should you not resolve this issue.
Consumer complaint received 2021-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ). Upon completion, send me a complete full updated printed copy of my entire credit report. As I understand it, there should be no charge for this.
Consumer complaint received 2015-09-26
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (NY)

Again, American Express ( Amex ) failed to follow their term in their letter dated XXXX/XXXX/2015 ( copy sent earlier ). All their past responses to this complaint are irresponsible. Therefore, I will continue to file this complaint until Amex becomes responsible and transfers the XXXX earned rewards points to my open Amex account. 

I am in full disagreement with Amex 's failure to transfer XXXX earned points from my closed Amex account # XXXX to my open Amex account # XXXX ( copies sent earlier ), because Amex stated in their XXXX/XXXX/2015 letter, " that as per the MR Terms and Conditions if you cancel your enrollment in the program and do n't keep open any American Express Cards, all points in your program account will be immediately forfeited ''. The key word in this quote is the word " any '', which pertains to my open Amex account # XXXX. On XXXX/XXXX/2015 I advised Amex in my letter ( copy sent earlier ) of this open Amex account. 

Amex needs to transfer my earned XXXX points to my open Amex account # XXXX per their terms and conditions. If then they are not in compliance with Federal banking laws.
Consumer complaint received 2016-05-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have an old judgment showing on my report that should not be on there. There are XXXX bureaus that report your credit score. I have reviewed XXXX of them and XXXX has an old judgment showing unsettled and the other shows it paid. They are not accurate and it is keeping my score low. I do n't think they update their information on a regular basis because they definitely are not showing the same information.
Consumer complaint received 2016-03-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Quality Loan Service Corporation (CA)

Quality Loan Servicing raised more questions in response Quality Loan Servicing has confirmed employment for notary XXXX and signer of XX/XX/XXXX Trustee Deed Upon Sale ( TDUS ) XXXX bankruptcy attorney - stated Quality Loan Servicing actions including unlawful detainer only reflect TDUS from XX/XX/XXXX foreclosure XXXX bankruptcy attorney stated their files do not reflect recession from XXXX XX/XX/XXXX due to modification in process. 
XXXX bankruptcy attorney stated recession information was not disclosed at no time XXXX bankruptcy attorney agreed The Relief Of Stay was granted in XXXX XXXX a foreclosure does not happen within two months. 
XXXX bankruptcy attorney stated for some unknown reason Quality Loan Servicing insisted to close file in XX/XX/XXXX and have one of their affiliates, divisions handle the unlawful detainer - which raises more questions. 
Quality Loan Servicing Employee in house notary XXXX XXXX Negligence, Errors and or Omissions. 
The TDUS ca n't be verified without following procedure TDUS appears to be voidable or void TDUS is not recorded in notary journal Recession has been verified Recession is documented in notary journal Both Recession and TDUS are both from XX/XX/XXXX notarial journal-TDUS not recorded in XX/XX/XXXX notarial journal. 


Quality Loan Servicing has no authority to validate any documents - must be in XX/XX/XXXX journal by sworn in notary XXXX XXXX to protect public interest.
Consumer complaint received 2021-12-31
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION (IN)

I borrowed money against my home in a refinance to pay-off credit cards and loans. 
Sun Trust Bank XXXX LightStream was the bank I borrowed from, and the loan was secured my XXXX XXXX XXXX XXXX XXXX van. The original promissory note was drafted and signed on XX/XX/XXXX for $ XXXX 4.54 % for 60 months. Payments of {$260.00} were set up as an auto draft on the 28th of each month, with the first payment drafting on XX/XX/XXXX. No penalty for early pay off on this simple interest loan. The finance charge was to total {$1600.00}. 
During Covid-19, I received payments deferred for several months and there was to no penalties for this service. 9 months of Payments from XXXX were deferred that totaled in {$420.00} of interest accumulated from this deferral. This amount was remunerated by the XX/XX/XXXX payment in the amount of {$260.00} and on the XX/XX/XXXX payment in the amount of {$160.00}. ( Please see loan amortization document ) I asked for original amortization and did not receive it. This issue of interest is not my complaint. 
On XX/XX/XXXX, I printed out an invoice from the LightStream web site, that they provide to final figure for payoff, to print out. The invoice reads a payoff amount of {$7500.00}, and a copy of the invoice was attached to the check. 
I sent a check for {$7700.00} ( the check was drafted from XXXX XXXX, my title company that was utilized for my refinance closing ) on XX/XX/XXXX. The amount of {$7700.00} posted on my LightStream ledger on XX/XX/XXXX for some reason leaving me a balance of {$24.00}. Therefore, my interpretation of that document ( The Invoice ) is drastically different than whoever did the accounts receivable and evidently didn't look at ( The Invoice ) stapled to the check. Anytime within my life, personal or professional, a Payoff Amount means just that... no translation needed. Valid through date of XX/XX/XXXX was clearly stated on the invoice as well. They processed the check and posted in on the XXXX of XX/XX/XXXX. The system still processed another payment 4 days later, because someone did not honor LightStream 's own invoice and computer calculations and left the {$24.00} balance. Incidentally the balance is stated as the interest. I am essentially paying the loan approximately 20 months early. I did reach out to LightStream for some explanation and spoke with 3 individuals, one identified herself as being a supervisor. Not one of them would honor my request that they have their accountant reassess the figures. It makes no sense. They feel the auto debit was accurate and {$260.00} minus the {$24.00} equals a refund of {$230.00}. Apparently, their own invoice is disregarded.
Consumer complaint received 2015-03-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

My credit card had a fraudulent charge posted to it and it took a few months for the credit card company to investigate and confirm that the charge was in fact not mine. I have not been able to get a straight answer from them as to whether or not this statement of fraud has been reported to the major credit bureaus. I am now looking to purchase a condo and just want to make sure that this is cleared up and is not showing that I have defaulted on payments when the charges were not mine and they took an extended time to investigate and told me it would be taken care of. I received a collections letter from a collections agency in attempt to have me pay the fraudulent charge. After initiating a fraud investigation, I then received another collections letter for the interest that was charged on the fraudulent charge that I had not paid ( because the interest was from the incorrectly posted charge ). The credit card agency my credit card is through is XXXX via XXXX XXXX XXXX under license from XXXX XXXX XXXX XXXX. The phone number for cardmember service is XXXX. Thank you for your help.
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. which is false and misleading.

These alleged late payments have not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer report.
Consumer complaint received 2021-12-31
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. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2023-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NJ)

Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC
Consumer complaint received 2023-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

This complaint is regarding accounts. Per XXXX, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.