davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

The XXXX XXXX XXXX assigned to handle the complaints adopted the following tactics : She ignores any fact/evidence she chooses entirely, as if it was not presented to her at all, and when pointed out ( repeatedly ) to address it she states that she already saw it and ignored it, and requests new information to ignore. This obviously leads to a convenient one sided outcome every time.

This approach is unacceptable. This is not a Wild West but a regulated industry, and such abusive behavior is not allowed. The regulations must be followed, the XXXX XXXX XXXX  Act in particular.
Consumer complaint received 2024-10-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (CO)

NOTICE OF CONSUMER GRIEVANCE AND DEMAND FOR REMEDIAL ACTION To Whom It May Concern : I am formally addressing a troubling issue regarding my attempted purchase of a {$1000.00} item from XXXX, financed through Affirm. Upon delivery by XXXX, I was left a notice at my residence indicating the package was held at a designated XXXX location, specifically XXXX XXXX XXXX, XXXX, CO XXXX. Upon my arrival, I was informed by an employee that the item would be returned to the sender, XXXX, if not collected within 24 hours. Accordingly, I reached out to both XXXX and Affirm, requesting the transaction be canceled, as I have never taken possession of the product. 

Despite XXXX website guaranteeing a six-month return policy, they have stated a 25 % fee will apply to the refund. I assert that I should not be subject to any such fee, as the item has remained untouched and outside of my possession from the outset. Additionally, Affirm has continued to demand monthly payments despite extensive communication and documentation of my situation, including proof of exchanges with XXXX. In four weeks of attempts to reach a resolution, I have encountered inconsistent responses from Affirm representatives, some of whom have incorrectly claimed that payments are due even while the matter is under dispute. 

Further complicating the matter, XXXX advertised a promotional 25 % discount which was not applied to my order and a 30-day satisfaction guarantee for purchases through XXXX, which further reinforces my expectation of a straightforward resolution. 

Given that I have made every good faith effort to rectify this matter directly with both Affirm and XXXX, I have been compelled to report their conduct to the following authorities : The Colorado Attorney Generals Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Federal Communications Commission ( FCC ) The Office of Inspector General ( OIG ) The Consumer Protection Division If Affirms actions result in damage to my credit score, I am prepared to pursue all available legal remedies for fraud, harassment, and failure to exercise due diligence in line with good business practices.

Please consider this a final demand to rectify this situation without further delay. 

Case Reference : XXXX Loan ID : XXXX Sincerely,
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

The derogatory rating on my account has directly resulted in loan denials and increased interest rates across my credit accounts. This rating must be deleted and blocked from all three consumer reporting agencies immediately, as required by law.
Consumer complaint received 2024-10-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Date account closed XX/XX/XXXX date of last payment XX/XX/XXXX but shows c/o Serious amount of charge offs added as updated payments to account Date XXXX delinquency XX/XX/XXXX how is account reporting only 10 months old? 
Violation. XXXX MISLEADING DECEPTIVE REPORTING Historical pay history. XX/XX/XXXX thru XX/XX/XXXX is missing? Why. 
Violation XXXX INACCURATE OR INCOMPLETE Daily balance - {$26.00} on a closed account? How? 
violation XXXX MISLEADING, INACCURATE REPORTING Received multiple letters and previous disputes came back VERIFIED when information has been false. Violation XXXX HARRASSMENT XXXX WILLFUL NONCOMPLIANCE REMOVED FROM XXXX XX/XX/XXXX REMOVED FROM XXXX FOLLOW UP XXXX # XXXX
Consumer complaint received 2024-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (CT)

XX/XX/year> WFBNA CARD XXXX XXXX XXXX XXXX, MN XXXX Re : Dispute of Debt Account : XXXX Dear WFBNA CARD I am writing to formally dispute the validity of the alleged debt associated with the above account under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ), and applicable Uniform Commercial Code ( UCC ) laws.

The debts in question were not discharged in October but were instead canceled via IRS Form 1099-C, meaning they were written off as losses by the original creditors. Per IRS regulations, these canceled debts are considered income and can not be collected. Any attempt to collect on a canceled debt is a violation of federal law.

It has come to my attention that unauthorized and uninformed financial documents were created and furnished using my nonpublic personal information without my knowledge or consent.

This action is a violation of my rights under federal law, as it appears to be an attempt to extort payment for a debt that no longer exists and is now classified as personal income.

Additionally, this alleged debt arises from an apartment rental lease associated with my former employers, which are not consumer credit transactions. As such, there is no permissible purpose for sharing my personal information with any third or fourth parties under the FCRA.

Moreover, I was never presented with any privacy policy, nor given the option to opt out of having my information shared with other entities. Under UCC regulations, consent can not be transferred or purchased without all original parties signing off on a new agreement. No such agreement exists in this case.

I am invoking my rights under 15 U.S.C. 1692g to request validation of this debt, including a full breakdown of the original contract, proof of ownership, and any assignments of the alleged debt.

Since the alleged debt is no longer valid, as it was canceled and reported as income, I revoke any implied consent for my personal information to be shared or furnished. I demand that you cease all collection activities immediately and stop reporting this false information to any credit reporting agencies.

Furthermore, I consider this matter to involve potential identity theft, as my personal information was used without my authorization. Under the FCRA, I demand that you stop furnishing this inaccurate information to other financial institutions immediately.

Please consider this a formal dispute and request for debt validation. Failure to comply with the laws referenced in this letter, including the FDCPA, FCRA, and UCC, may result in legal action against your company.

I request a response confirming that you have ceased all collection activities and reporting of this erroneous information within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX Cell XXXX
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

Subject : Complaint Regarding Cancellation of American Express Account and XXXX XXXX XXXX XXXX - Case ID : XXXX Dear CFPB, I am writing to file a complaint regarding American Express and the recent cancellation of my American Express XXXX XXXX XXXX XXXX account XXXX I am extremely frustrated with how they have handled the situation, and I believe their actions have caused undue stress and financial harm. 

Background : I had a perfect payment record with American Express : no late payments, no balance, and no debt at all on the account. 
On XX/XX/year>, American Express cancelled my account without any prior warning or explanation, despite my perfect record. 
At the time of the cancellation, I had accumulated XXXX XXXX XXXX points, which were stored on my American Express account. 

Issues : After receiving the cancellation notice, I was informed in writing that I had 90 days to redeem my rewards points. 
For the past 30 days, I have been diligently calling American Express to redeem these points. Initially, I was told that the points would be converted into a balance that I could request as a refund. This was a suitable resolution for me at the time, but it has yet to be fulfilled. 
I have called American Express five times since then and even have a case open with them under Case ID : XXXX. I was told to wait XXXX business days for the matter to be resolved, but today marks XXXX business days with no resolution. 
When I called back today, I was told by a supervisor that the case would need to be re-opened, further delaying the process. 

Concerns : I believe this situation constitutes fraud. I spent my hard-earned money to accrue these rewards points, and those points have monetary value. American Expresss refusal to allow me to redeem my points, despite their prior assurances, is deeply concerning. 
I am entitled to the rewards that I earned, and American Expresss delay tactics feel like an attempt to withhold these benefits. 

I request the CFPBs assistance in resolving this matter and ensuring that American Express upholds its commitment to allow me to redeem my rewards points. Their lack of follow-through and continued delays have caused significant inconvenience, and I believe they are acting in bad faith. 

Thank you for your time and attention to this matter. I look forward to your help in getting this issue resolved.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-25
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Aqua Finance, Inc. (TX)

XX/XX/XXXX finished lease with deposit for camper. Payment for camper began XX/XX/XXXX. While remodeling camper. Security alarm system random activity. Then XXXX XXXX neighbor writing the camper number off the camper side. Harassing comments from Aqua Financial employees about my purchase. And XXXX XXXX XXXX XXXX to request technician not understanding my question for assistance.The Bank stole the camper sold the camper after I told them bring me back my camper. Now they refuse to clarify my options for continue using my loan, without merchandise for investment. Their employees insist I have a problem, and XXXX XXXX name and face continues to pop up as though he's in charge of my investment with XXXX. Also This same scam set with XXXX XXXX and XXXX XXXX my mortgage payment was altered XX/XX/XXXX and the paperwork for new loan XXXX holders with held. Same issues with XXXX XXXX the email only I can get paperwork. Thru the mailing address no paperwork.
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION (NC)

Summary of Complaint : I am disputing late fees and additional interest charged on my Truist business credit card over the past year due to an error in their auto-pay system. In XX/XX/XXXX, after noticing a late fee, I set up auto-pay for the minimum payment due to avoid future fees. Despite this, I was charged late fees every month because the bank 's system incorrectly set the auto-pay date after the due date. 

I received no paper or digital statements, alerts, or notifications about these charges. When I contacted Truist, the representative acknowledged that the system previously allowed auto-pay to be set incorrectly, and they confirmed that they have since updated the system to prevent this error. However, Truist has refused to refund the fees or the additional interest that accrued as a result. 

I also faced issues accessing information on the Truist app, which crashed repeatedly. When I visited the branch on XX/XX/XXXX, the Branch Lead struggled to identify the issue due to its complexity.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The information listed below, which appears on my credit report, is the result of tra! cking. These fraudulent accounts consist of Auto loan account opened at XXXX XXXX XXXX XXXX on XXXX under account number ( XXXX ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX  on XXXX under account number ( XXXX ) Personal loan XXXX XXXX  on XXXX under the account number ( XXXX ) Personal loan XXXX XXXX XXXXXXXX opened on XXXX under the account number ( XXXX ) Personal XXXX XXXX XXXX XXXX under the account number ( XXXX ) opened on XXXX auto loan XXXX XXXX under the account number ( XXXX ) opened on XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me 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 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 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 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 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 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 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 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 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 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 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 XXXXXX/XX/year>
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Upon reviewing my credit report, I identified incorrect information that requires immediate correction. Below, I detail the inaccurate data that should be removed, along with the correct information that should appear on my report : XXXX  Incorrect Information to Be Removed : Incorrect Names : o 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account : XXXX XXXX XXXX Balance : {$920.00}
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXXXXXX Account number : XXXX Balance : {$530.00} XXXX Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$0.00}
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Bankruptcy : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Court : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Court : XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX FIR XXXX XXXX, UT XXXX Previous XXXX ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Previous XXXX ( es ) : XXXX XXXX  XXXX XXXX XXXX, UT XXXX Employers XXXX XXXX XXXX XXXX XXXX RETIRED Employers : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Former : XXXX XXXX XXXX Name : XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XX/XX/XXXX Date : XX/XX/XXXX TransUnion Dispute Department TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Formal Dispute of Inaccuracies on Credit Report XXXX XXXX XXXX Account Dear TransUnion Dispute Team, I am writing to formally dispute inaccurate information regarding my XXXX XXXX XXXX account that appears on my TransUnion credit report. The account details are as follows : - Creditor Name : XXXX XXXX XXXX - Current Balance Reported : {$8000.00} -Date Last Reported : XX/XX/XXXX - **Dispute Reason : ** Inaccurate payment history and account information Upon reviewing my credit report, I have identified the following issues that I believe to be incorrect and require further investigation : 1. Payment History : My report shows that I have missed several payments in XXXX, XXXX, and XXXX, with a worst payment status of 120+ days late. Specifically, I am disputing the following periods where missed payments are indicated : - XX/XX/XXXX through XX/XX/XXXX These payments are marked as late or missed, but I believe they were made on time. 
- XX/XX/XXXX through XX/XX/XXXX These payments are marked as late, but based on my records, they do not accurately reflect my payment activity. 

2. Last Payment Date : My report lists my last payment as XX/XX/XXXX. However, I have made payments beyond this date, and I request that you verify and correct this. 

3. Profit and Loss Write-Off : The account shows a " Profit and Loss Write-Off '' remark. I have not been informed of this by XXXX XXXX XXXX, and I dispute this status as inaccurate. 

4. Dispute Status Resolution : There is a remark stating " Dispute resolved subscriber disagrees. '' I did not agree with the resolution of the previous dispute, and I am requesting that this issue be further reviewed, with accurate information reflected. 

I request that TransUnion conduct a full investigation into this matter and provide me with a corrected credit report. Please verify these claims with XXXX XXXX XXXX and provide me with documentation supporting the current status if the information is deemed accurate. I have enclosed copies of relevant documents, including my payment records, to support my dispute. 

Please correct the inaccurate information or delete it entirely from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I expect to receive confirmation of your receipt of this letter and updates regarding your investigation promptly. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting 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. (OH)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.