davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

Subject : Formal Complaint Against Wells Fargo : Discrimination, Account Closure, and Mishandling of Funds In XX/XX/year>, I deposited a check for {$33000.00} issued to me by my attorney as part of a settlement related to a motor vehicle accident case. Despite following proper procedures, Wells Fargo placed a hold on the entire amount and failed to release even the standard {$5000.00} that was supposed to be made available within a few days, as per their policies. 

Later, I was informed by the bank that the check was flagged as suspicious and required additional verification. However, without conducting or completing any investigation, Wells Fargo decided to close my account, effective XX/XX/year>. This decision appeared to have been made immediately following a phone conversation I had with a bank representative. 

During that conversation, I experienced discriminatory treatment. I firmly believe that the decision to close my account was influenced by my accent, my limited proficiency in English, my XXXX  XXXX origin, and my immigration statusall of which were evident to the bank employee. It seemed that my background and the way I speak caused the representative to presume unfairly that the check was fraudulent. Following this, the representative likely escalated the matter internally, leading to the account closure. 

Wells Fargo subsequently accused me of fraud, even though I provided the necessary documentation to prove the legitimacy of the check. I submitted a formal explanation, along with a copy of the settlement agreement between me and my attorney, and both the front and back copies of the check. Despite my efforts, Wells Fargo did not communicate with me, did not provide any updates, and failed to properly investigate the matter. 

Additionally, the bank blocked my access to my funds entirely, leaving me in a dire financial situation. They never released any portion of the deposited amountnot even a minimal sumand provided no explanation for their lack of communication. 

It is now XX/XX/year>, and I have still not received the original check back from Wells Fargo. This is unacceptable, as the check was issued by my attorney, and I should have been able to recover it promptly after the account closure. 

This entire experience has caused me significant distress and financial hardship. I believe Wells Fargos actions were discriminatory, unethical, and grossly negligent. I am filing this complaint with the Consumer Financial Protection Bureau in the hope that this situation will be thoroughly investigated and that appropriate actions will be taken to prevent others from experiencing such treatment.
Consumer complaint received 2019-03-21
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. (MI)

I gave XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  approval to run my credit 1 ( one ) time. They ran it 4 times within a month, including 2 ( twice ) in a single day. None of these were authorized by me. Only the first one, not the following 3 times. This dropped my credit score drastically.
Consumer complaint received 2022-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-09-10
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: Specialized Loan Servicing Holdings LLC (IA)

I have disputed with Specialzed Loan Servicing ( company ) by fax XX/XX/2021. I have disputed this with all 3 credit credit bureaus and XXXX is the only company that is not taking this mortgage off my credit report. That house no longer belongs to me. It belongs solely to my ex-husband per the divorce and states so in the decree. That account shows under my married name. Im not married to him and why is it showing up under my maiden name. I have disputed this issue 5 times with XXXX and every time they dont do anything to help me. I even went as far as to transfer the title to my ex. My divorce decree is signed by a judge and is legally binding. Is this isnt taken off I will go look for legal counsel.
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (NY)

Starting in XXXX I tried to make aXXXX XXXX  purchase using my XXXX XXXX credit card on XX/XX/XXXX for XXXX. The order went through XXXX however there was no email confirmation because paypal ( which I did not choose ) said : PayPal is committed to complying with and meeting its global regulatory obligations. As part of our regulatory obligations, we regularly screen information and payments transacting through the PayPal system. We recently identified an issue regarding your transaction activity that requires additional review. 

XXXX : Regarding Your PayPal transaction ( XXXX ). It requested I submit two personal information to use my credit card payment directly with XXXX I did not upload as I expect my charge would not go and will get refunded. I since purchase it the item on XXXX using the login paypal method. I encountered this error 2-3 more times until recently on XX/XX/XXXX where paypal limited my account. Going through my history, paypal as committed charges when the order was nullfied from XXXX  because paypal committed to complying with thier global regulatory obligations which permanently making charges if you do not submit information to them. I have bank receipts where there are over 5 charges since XX/XX/XXXX which they have not refunded. Please contact me as I'm also trying to submit this to lawyers to sue paypal for fraud.
Consumer complaint received 2022-07-18
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. (FL)

In accordance with the Fair Credit Reporting act XXXXXXXX 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, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-09-21
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. (MD)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$18.00} XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2022-07-18
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. (MI)

On XX/XX/XXXX I sent a dispute letter to Experian in regards to the following accounts, XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1600.00} ), XXXX XXXX ( Date Opened : XXXX XXXX XXXX, Balance : {$440.00} ), XXXX XXXX ( Date Opened : XXXX. XXXX XXXX, Balance : {$0.00} ), XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX ( Date Opened : XXXX XXXX, XXXX, Balance {$0.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$820.00} ). As well as these following inquiries, XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX ), XXXX ( Date Opened : XXXX XXXX, XXXX ), XXXX ( Date Opened : XXXX XXXX, XXXX ) XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX ).
Consumer complaint received 2019-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I was referred to apply for my Amex Everyday card on XX/XX/2019 and was advertised that after spending {$2000.00} within the first 3 months, I can receive XXXX Membership Reward Points. But after I met the spending requirement, they refuse my sign up bonus with no specific explanation, stating that I misuse the rewards program which I never have done so. Before I applied for the card I have only had a Delta Gold account with Amex and never closed it or downgrade it. I use it to purchase tickets from Delta occasionally and it was very helpful to save my checked bag fee. I loved Amex cards so I decided to apply for Amex gold to use it for restaurants and grocery purchase as well. But in the end, this turns out to be a quite disappointing experience. Also, their customer service also gave me misleading information, I called them many times, some told me to rest assure because I need to wait for about 8 weeks for my welcome bonus to be posted, but in the end, they were just declined with no clear reason.
Consumer complaint received 2022-02-10
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)

I have an FTC report and police report. XXXX XXXX has refused to remove this fraudulent account from my consumer report. I sent XXXX XXXX ( XXXX XXXX corporate ) a notarized affidavit of Truth. She is refusing to remove it. XXXX XXXX broke the law. The dealership forged my signature. The NY attorney general sued them for restitution in the amount of {$300000.00}. The federal laws that were broken are : 15 USC 1 which states EVERY CONTRACT IS ILLEGAL. 15 USC 1605 TRUTH IN LENDING ACT. 15 USC ( b ) ( a ) ( 2 ) ) : A consumer reporting agency can not put anything on my consumer report without written instructions from the consumer to whom it relates. WITHOUT MY CONSENT IS IDENITY THEFT. FORGING SOMEONES SIGNATURE IS A CRIME. I HAVE ASKED XXXX XXXX TO PRODUCE THE WET INK CONTRACT SEVERAL TIMES AND TO NO AVAIL IT DOESN'T EXIST. THEY HAVE ONLY PRODUCED A COPY WHICH IS NOT MY SIGNATURE. THE DEALERSHIP IS NO LONGER IN BUSINESS.
Consumer complaint received 2021-11-11
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. (TX)

Experian Credit bureau has not provided with validation of the following inquires that appear on my credit report. I have requested on several occasions for full validation of these inquiries. I do not recognize them and would like it to been taken off. Base on the law, information on this report must be accurate, no errors and verifiable. Please send proof for such with my signature authorizing this. 

XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2022-02-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

Dear CFPB, please assist me in collecting my proper pay from XXXXmpac Mortgage Corp, XXXX # XXXX. I worked for Impac from XXXX - XXXX and from XXXX - XXXX. On XX/XX/XXXX they furloughed me when I had a XXXX loans in process. The company then made a back handed deal and got paid for my loans by a company called XXXX, and tried to pawn me off to XXXX to re-do all my loans for a second time. I asked Impac to pay me for my loans, and they refused. I was even willing to accept a {$15000.00} lump sum for my loans which would have paid over {$40000.00} had they not furloughed me and Impac became very aggressive and cruel in how they responded to me. Their legal department made threats and accusations against me and even tried to get me fired from my job at the time at Owning. Their CFO reached out to the owner of Owning and requesting that he fire me. They have now began making false statements claiming that the CFPB took a position in their favor when I raised my issue in the past. I have attached the emails between myself HR and counsel for Impac. Please take the corrective action to persuade Impac to do the right thing and compensate me for the loans I originated, most of which had final loan docs drawn, signed or generated. They have had many complaints from former employees against them as they are very anti prior employee and utilize a lot of bullying in their tactics of dealing with prior employees.
Consumer complaint received 2024-12-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TRUIST FINANCIAL CORPORATION (PA)

I was not aware of all these other companies running my credit for a car loan when I gave one person to run my credit now all these inquiries are on my credit report that I did not approve of and it is hard to get in contact with them.
Consumer complaint received 2023-04-02
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)

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. 

Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-02-10
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: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete it at one 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXXL XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX  XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX Account NumbeXXXX : XXXX This Account is inaccurate and seeking litigation please delete it once 6. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 7. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Consumer complaint received 2021-08-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2021 i sent a letter to the credit bureaus regarding inaccurate and unknown things on my credit report it is now well over 2 months later and i have not gotten a response on these matters. In Section 611 ( a ) it plainly states failure to investigate these items within 30 days gives reason to immediately remove them from my credit report entirely. We are now beyond the 60 day mark and these items should be removed promptly. I demand the removal of these accounts or I will begin the litigation process due to the stress this has caused me as these items are falsely representing who I am and negatively impacting me. Further my information has been compromised due to the Equifax data breach and my information may have landed in the wrong hands
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Told Capital one I did not request XXXX charge and did not recieve service for it either. I contacted XXXX and said to cancel charge they refused. I told to Capital One and supported information. They rejected my request and charged me anyway for a service not provided against my will.
Consumer complaint received 2021-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have filed complaint after complaint regarding TRANSUNION and its actually going on approximately a year without resolution and I can only see hiring an attorney in my near future. The last complaint filed returned a response to mail in ( mailing address included ) verification of my identity to UNFREEZE MY CREDIT ACCOUNT!!!!! I sent them 15! Pages of documentation proving my identity to stated address and Once Again, TRANSUNION just sent me a copy of my credit report! WHAT IS WRONG HERE? Next stop for TRANSUNION is to reimburse me for attorneys fees!
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

Applied for Hilton honors credit card on XX/XX/XXXX and was approved. I saw an email promotional offer via email a few days after applying and prior to receiving my card. Filed a claim to avail 0 % APR for first 12 months and bigger bonus points as mentioned in email offer. I followed-up a few days after and about a week after that but they said it was still pending review. I followed-up again on XX/XX/XXXX and was advised by bank representative that my claim was denied. I looked through my emails and saw that the offer was actually emailed to me several times prior to opening account with first time receiving in XX/XX/XXXX. Same offer was emailed again on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I tried asking another agent to open a new case, in light of this new information but they wouldnt even reconsider. I was forced to thinking of opening a new card, a different type than the one I had opened as this other card had a {$95.00} annual fee and I was advised by agent I would be able to avail 0 % APR if I applied and was approved. However, 4 to 6 hours later, the promotional link no longer worked, when clearly, it worked fine in the morning. They now claim that the offer can not be applied to my account and that they cant locate that same offer theyve sent me.
Consumer complaint received 2021-09-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P. (AZ)

credit card was with XXXX  XXXX without knowing they transferred balance to XXXX XXXX XXXX XXXX  is not licensed in the State of Az placed debt on my credit report
Consumer complaint received 2022-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (MA)

Someone tried to apply for a credit card using my name as fraud. I never tried applying and I want this investigated. Credit is frozen so application was denied. I want this investigated to find out who is trying to fraudulently apply l.