davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This letter is regarding account XXXX XXXX XXXX, which you claim I opened a store retail account. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company.
Consumer complaint received 2019-03-13
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. (CA)

I am a victim of identity theft and recognized these hard inquries I did not approve or recognized. 

XXXX Inquiry from XX/XX/2018 Inquiry from XX/XX/2018 Institution Information XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (LA)

I am writing to dispute an inaccurate inquiries listed on my credit report. I have carefully reviewed my credit report, and I believe that the following inquiry is erroneous and should be remove. The inquiries in question were not authorized by me, and I have no affiliation or knowledge of the entity that made the inquiry. I hereby request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines.
Consumer complaint received 2023-06-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC. (MD)

I attempted to make two transfers from my Axos high-interest savings account to my external XXXX XXXX XXXX XXXX XXXX ) account. My beginning balance in my savings account was {$800.00}, and I made two transfers each for {$400.00}. I made the first {$400.00} transfer on XX/XX/2023, and the second {$400.00} transfer on XX/XX/XXXX. The money was deducted from my account, leaving me with {$4.00}. 

On XX/XX/XXXX, I did not receive the {$400.00} transfer. I reached out to Axos and XXXX. XXXX confirmed that they did not receive the transfer and did not see any pending transactions. Axos informed me that the research team would address my inquiry in 1-2 business days. When I called on XX/XX/XXXX, I found out that the Axos rep did not make the request for a follow-up, and as a result, the second Axos rep escalated the issue. I received a {$400.00} credit to my Axos account on XX/XX/XXXX ; this return matches the transaction made on XX/XX/XXXX. I withdrew the {$400.00} that I received on XX/XX/XXXX. 

On XX/XX/XXXX, I reached out to Axos to inquire about the remaining {$400.00} that was not credited back to my account, and the Axos rep told me that my inquiry was resolved because of the {$400.00} credit posted to my account on XX/XX/XXXX. I responded that my account had {$800.00}, and only {$400.00} was returned. I read off each transaction from my account to the Axos rep. The Axos rep informed me that it would take another 1-2 business days for the research team to locate the missing {$400.00} because he could not locate the {$400.00} transfer made on XX/XX/XXXX. On XX/XX/XXXX, I called Axos to confirm that the Axos rep submitted my request for a manager callback, and he assured me that I would hear something in 1-2 business days. Each time I've called to find out where the missing {$400.00} is and when I can expect it to be returned, the Axos rep either says I will need to wait 1-2 business days to hear something or I find out that Axos rep did not submit my request for follow-up. 

Today, XX/XX/XXXX, I was informed that it would take the Axos research team 7-10 business days to locate the missing {$400.00}. This delay in response means I have to wait until the end of XXXX to get a status update on a transfer I made on XX/XX/XXXX. Each person I communicate with gives me a different answer by delaying the timeline for me to know about my money, or the management team does not return my calls to get my side of the story. The last point of contact I communicated with was XXXX, a Supervisor. XXXX wrote a message in a resolute tone. Axos has not resolved my issue ; I am still missing {$400.00} and can not get a clear answer from Axos or any indication of when I will receive my money. 

Any assistance you can provide is greatly appreciated.
Consumer complaint received 2021-12-02
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: CarMax, Inc. (MS)

On XXXX XXXX, 2021 while browsing cars on Carmax, the preapproval option was given. No where in the writing did it notate that the preapproval would be a hard pull and on top o that my credit was also pulled by XXXX XXXX as well as XXXX XXXX, without my knowledge or consent. Therefore this did cause my credit score to drop. I ask that these inquiries be removed immediately from my XXXX credit report.
Consumer complaint received 2023-06-12
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: Bread Financial Holdings, Inc. (IL)

2 accounts Victoria secret/ComentityBank, which in fact is not my account, i asked for original contract with my signature which they can not provide because they sold the debt, so Victoria no longer owns it, and it is closed with the company they sold it to. I contacted that company and they told me the account is closed and they are not reporting what so ever. I have also disputed for validation, never got that, I disputed it for being in charge off every month which is grounds for deletion itself, but instead they reported charge off once and still sent no validation. Multiple violations in accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report and under 15 US code 1681e ( b ) and these accounts are in violation.
Consumer complaint received 2023-06-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

FTC Report XXXX XXXX Below is a copy of my complaint to the FTC. I am forwarding it to CFPB. There was already a large class action against PayPal back in XXXX from the FTC, for this same exact reason. 

Read Complaint Below I have had my money frozen over {$1100.00} in Venmo owned by PayPal. I am aware that you guys submitted a large class action complaint against them for this very reason. Without reason, they froze my account in or around XX/XX/XXXX And told me they would withhold my funds for up to six months. I just received an email on Friday XX/XX/XXXX stating that my accounts funds are now available to withdraw. That my account would be suspended and I would not be able to utilize their instant transfer option using a debit card that I would have to link a bank account and routing number and use their standard withdraw option only. I try to link my bank account using the third-party XXXX  which Venmo offers to link your bank account and it keeps giving me an error message and does not allow me to add my bank account. Ive been trying to add it manually bypassing XXXX and it still gives me an error message stating that I am unable to link a bank account. Basically Venmo is just keeping my money and when I email them nobody responds and when somebody emails back finally they just respond with templates. I re-respond addressing my concerns that they ignore on my previous emails and they respond through template emails that make no sense and basically they are just giving me the runaround and telling me that if my bank account does not link it is because the bank is not eligible with Venmo, which makes no sense because they are major bank accounts and they tell me to try another account. I have already tried three of my major bank accounts, XXXX  XXXX XXXX, XXXX, and XXXX XXXX. And Venmo insists on the fact that I need to try a different bank and they dont know what to do so basically theyre just stealing my money. Based on the previous FTC complaint in XXXX I read that they have been doing this to thousands of consumers and it looks like they still have not learned their lesson and have continued with their shady business practices since then. 

I hope somebody at the FTC is able to reach out to the correct department at XXXXnmo/PayPal so they can finally address this directly with me to link a bank account so I can access my funds that have been frozen since XX/XX/XXXX. 
My email address on file with Venmo is XXXX my user name on file is @ XXXX Thank You.
Consumer complaint received 2023-06-13
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. (GA)

This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$910.00}, XXXX XXXX Balance : {$9200.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$18000.00}
Consumer complaint received 2023-06-13
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CCS Financial Services, Inc. (FL)

I am in a discrimination dispute with XXXX over my payments, returned payments and the lack of effective communication resulting in a confusing situation for me. I contacted this company after receiving correspondence from them about my dispute with XXXX. Since the issue with XXXX was involving mis-communication and my XXXX, I requested that CCS accommodate XXXX XXXX. Each time I made the request I got hung up on. I finally spoke with a supervisor at around XXXX who began making fun of my XXXX XXXX XXXXXXXX and stating he could see why XXXX discriminated against me. I lost all emotional control at the insult. The company refuses to accommodate my XXXX and refuses an interactive good faith process to accommodate my XXXX.
Consumer complaint received 2023-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (MI)

In XXXX XXXX Selene did not pay XXXX  for our home owners insurance from our escrow. They then charged us for their own fire insurance. 

I paid XXXX to have this issue fixed before we were in insurance default and our policy was active. Selene reimbursed for the XXXX insurance but not the charges for their fire insurance. 

This is happening again Selene has not paid XXXX from our escrow and our bill was due on XX/XX/XXXX. Insurance will be in default on XX/XX/XXXX. 

Selene is nit cooperating when we have faxed and 3 way called and made numerous calls to check the status of resolving this issue. Selene has said I am NOT ALLOWED to pay my insurance bill myself. But I want and paid for XXXX through my escrow which they don't seem to be able to handle. 

I get no response but transfers to an automated insurance line when calling to verify if they have processed the payment out and XXXX says they still have not received payment.
Consumer complaint received 2019-03-13
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. (MI)

I filed disputes with the 3 major credit bureaus XXXX, Transunion and XXXX. On multiple phone calls and online request Ive disputed in accurate bankruptcy on my credit report. Each time Ive disputed I was told that XXXX XXXX reported this information and it was indeed factual. I contact XXXX XXXX  that reinvestigated the information and they also let me know that the 3 credit bureaus failed to submit and investigation in this matter Ive been informed by XXXX XXXX that they have reinvestigated this matter and had removed the information from my record and Ive provided documentation
Consumer complaint received 2023-06-12
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have tried to remove this on my report a few times .Every time they did not send me info or give what the results were on investigation. When asked for details, I only received a bill for an amount. Please see attached letter sent certified this time .The last ones were not. As follows got nothing back but a copy of an old statement with a XXXX letterhead. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXXXXXX PORTFOLIO RECOV ASSOC XXXXXXXX XXXX XXXX XXXX, VA XXXX XX/XX/2023 To whom it mr concern, My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX in about of {$1300.00} .This is not my debt once again I demand you show me as follows : XXXX. Application of credit, I need to see what you are trying to collect! 
XXXX A copy of XXXX monthly statements with all charges, payments, credits, etc.from the time it was it {$0.00} until said amount? 
XXXX. What is your authority to collect this amount as I have never done business with you before. If you claim to own any debt you claim I owe, give me the full purchase agreement so I can see if I really owe this dept? 
Do not call me, or anyone else about this only. &. ONLY COMMUNICATE IN WRITING! 
If you can not show cause, remove this from my credit report or face my right to comply to the letter of the law .I believe you know what that is as well as I do .I would hope to hear from you within 10 days or expect it!
Consumer complaint received 2023-06-12
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I had a fraudulent credit card opened for Capital One in the amount of {$1200.00}. When I disputed this I submitted documentation from the FTC as proof that this account is fraudulent and they refuse to remove this from my credit profile.
Consumer complaint received 2023-06-13
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. (TN)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 2023-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (AR)

I have never had any services nor contracts with SUNSET CREDIT SERVICES OR XXXX XXXX. This is the THIRD company to attempt to put this fraudulent account on my credit report. I have already made it very clear I have never had services with XXXX XXXX nor given anyone permission to use my name. I also have not lived in New York State since I was in HIGH SCHOOL. I am now XXXX XXXX XXXX Also I have never lived at the address XXXX  XXXX has on the account either. ALL was fraudulent and handled about 3yrs ago, now ANOTHER company is attempting fraud with the same account. TAKE ME OUT YOUR SYSTEM and REMOVE from my credit report immediately. XXXX XXXX is well aware this was a fraudulent account so Im not sure why you have it attempting to collect FRAUDULENTLY. My next step will be to contact my lawyer because this is absolutely ILLEGAL & UNETHICAL PRACTICES.
Consumer complaint received 2023-06-12
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. (AL)

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.

The letters are stated with items and issues.

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 2023-06-12
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. (GA)

I am very displeased and disappointed that my information has been in a few breaches which have allowed fraudulent accounts to populate on my consumer report. I was trying to buy a home and I discovered all these accounts. This is jeopardizing and violating my privacy and my consumer rights. Per 15 USC 1681 law, you all are in violation of this statute. I take my livelihood seriously and I am trying to better myself and my family 's life. This is not fair and I am demanding that credit reporting agencies to remove all fraudulent accounts immediately.
Consumer complaint received 2023-06-12
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. (FL)

The following accounts are incorrect, and they are adversely my livelihood! 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (GA)

I purchased a new Hyundai Elantra Hybrid. The finance officer offered me GAP insurance for my loan. I agreed. Unfortunately 2 weeks later I was involved in an accident that totaled my new car. I initiated a claim and the car company was slow in doing the paperwork. I had to call them and the GAP company multiple times over multiple weeks in order to even get the GAP claim started. This started on XX/XX/XXXX ( initial claim date ). This was nearly a month after trying to start the claim. The car was XXXX on XX/XX/XXXX. On XX/XX/2023 I received notice that I would receive no payment. It appears that they are showing a {$4000.00} deductible on the GAP claim. I do not recall any sort of disclosure telling me that there was a {$4000.00} deductible. Signing up for GAP insurance on a XXXX XXXXXXXX car that I traded in a car for XXXX XXXX  plus for would not have made any sense. In fact I know my boyfriend who is a XXXX at a XXXX XXXX would have raised all heck if I had bought a GAP policy with a {$4000.00} deductible. That would defeat the point of the policy. I feel that I was cheated, sold a lie, injured financially, and subjected to business practices that are dishonest and misleading. I feel that I was ripped off.
Consumer complaint received 2023-06-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I recently had a conversation with Wells Fargo Medicaiton and Medication attorney. 

I was informed someone from Wells Fargo executive office would call me. The call came and the person who I spoke with had no knowledge of the conversation that I had with Mediation attorney and the person from Wells Fargo. She was clueless. 

It was informed to me and the mediation attorney will call me to discuss and explain how they came up with the amount of XXXX plus to pay off and close the loan. 

As the mediation attorney said, Wells Fargo knows but I don't. They keep saying it is a Wachovia loan but it isn't. When Wells Fargo bought Wachovia they bought all assets and debt. it was Wells Fargo who split the loan. Not Wachovia. WF applied their own application of how the loan will be set up. Why all the payments I made never never was deducted from the XXXX loan. It increased or stayed the same after Wells Fargo took over. 

The other complaint the woman I spoke with said in a very determined voice that this case is final and they never received that I sent them my insurance coverage on why they applied the amount of XXXX to the insurance coverage when I made the finale payment. 

Everything is falsified under Wells Fargo. They lie, they lie and they lie. They won't explain. 

It is not the end till I am reimbursed for the overpayment of insurance during the closing/payoff of my loan and how all my payments for the loan was never deducted from the balance.