davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: LD Holdings Group, LLC (KY)

My complaint is in regard to TARP with LoanDepot. Unfairly saddled with employer debt when I decided to leave this employer in XXXX. I obtained FHA training XX/XX/XXXX and left this employer XX/XX/XXXX. My leaving was due to the companies pending woes where stock plummeted from $ XXXX to $ XXXX within 1 month of going public, then advised that they were going to start with " Voluntary Furloughs ''. The writing was on the wall and I was punished for self-preservation from a company that lied and suppressed company information due to pending IPO. Upon my leaving and being contacted by LoanDepot regarding the training debt of {$15000.00} XXXX advised that I had not used the certification with my new employer and offered proof to be obtained from FHA to validate that my XXXX XXXX  had not been used since departing LoanDepot. I further advised at one point in XX/XX/XXXX that I had been laid off. I now have collection and judgment against me.
Consumer complaint received 2023-07-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: HUNTINGTON NATIONAL BANK, THE (OK)

date XXXX the amounts of credit extended XXXX to the Huntington national bank I have send a letters to resolve the issue they to respond to the letter but fail to open the account that is all ready been credited by my open end consumer credit plan 15 US code 1602 J this entire process has been unfavorable me they have discriminated against me.
Consumer complaint received 2023-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

My loan transferred to Lakeview Loan Servicing this month XX/XX/2023. When my automatic draft did not draft on the authorized date previously set up with my previous servicer I called Lakeview Loan Servicing to inquire about the draft. On XX/XX/2023 I spoke with an agent who said my draft date transferred showing it was to be pulled every XXXX of the month. I requested to cancel the draft for this month and pay the payment on that day. She took my payment for {$1300.00} and assured me my automatic draft would continue next month for {$1400.00} which includes an extra {$100.00} towards principal. 

Today I noticed that Lakeview actually drafted an extra payment for {$1400.00} in this month of XXXX on the XXXX. I requested that they fix their error and refund one of the payments as the {$1400.00} was not authorized until XX/XX/2023. The agent named XXXX declined to assist me in refunding it because they needed proof of the payment. I relayed to him that I am not at fault here and it was their error and they didn't even have permission to draft it. He transferred me to XXXX ID XXXX who also declined to refund it and advised me auto draft can't be cancelled for the month it is set up. I told her that is not legal and if someone calls to cancel a payment it should be cancelled as they do not have permission to draft it at that point. 

XXXX refused to refund the payment so I requested to cease all auto draft payments set up. I requested a supervisor which she declined to transfer me to and said they would call me back within 48 hours. 

Their policy to not refund unless proof of payment is provided is ridiculous and not logical. The transaction has cleared my bank and it's been greater than 5 business days at this point. They did not even have my permission to draft it and especially not on that date of the XXXX.
Consumer complaint received 2023-03-24
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)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-03-24
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. (FL)

I checked my credit report and found that some of the data were incorrect. The 3 credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-21
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: DISCOVER BANK (ID)

For several years now, Discover Card has offered 5 % cash back from XXXX through XXXX for XXXX purchases using a Discover card. This year they seemed to have expanded it, listing " digital wallets '' as the current 5 % cash back category. XXXX is a digital wallet by definition, and since previously it was XXXX exclusively, one would think that Discover simply expanded their 5 % cash back category this year to include all digital wallets. After receiving only 1 % cash back on a Discover Card XXXX purchase earlier this month ( XXXX ), it seems that Discover is using their own definition of what a digital wallet is, instead of the generally accepted definition of a digital wallet. They are excluding XXXX from being a digital wallet, even though XXXX is definitely a digital wallet. This is very deceptive because they simply say 5 % cash back for " Gas Stations and Digital Wallets '' for XXXX through XX/XX/2023. Here is the official description of XXXX : " XXXX is a financial services company that functions primarily as a digital wallet and money transfer service. '' Thus, Discover Card is employing a deceptive promotion in excluding the longest running, best known digital wallet in existence!! And no, I have no affiliation with XXXX other than being a long time user of XXXX 's services.
Consumer complaint received 2023-07-21
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. (CA)

Contacted all three credit bureas XX/XX/2023 due to new hard inquiries on my reports that was not initated by me. New fraud alert was placed on all three bureas as well. 

Equifax has concluded that it's not fraud but can not provide information on how and is placing all the work on the consumer to resolve this matter. In addition, to dispute further they want consumers to mail ID, social security card, address, and a letter of explanation. 

I'm already a potential victim of fraud and their solution is to mail very private information to dispute. 

XXXX with equifax ( XXXX XXXX ) was not very helpful until I started inquiring more and more to get alternative solutions.
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Synovus Bank (GA)

This is second time I am filling complaint against Synovus bank and their overdraft charges. 
XXXX time it happened last year. 
When I checked my balance before I spent my money I have enough to cover charges. When I looked on my statement my balance was {$6.00} when I was charged {$36.00} overdraft fee. I was told that there I was another charge that I can not see that cost me overdraft fee. That charge had not posted until 2 days later ... and on the statement even one printed at the bank I never was negative This time I was in overdraft {$3.00}. I got charged {$36.00} overdraft fee on that. Again I checked my balance before I made another charge ... I had money to cover it because my direct deposit was done next day. That happened over the weekend. Overdraw happened on XX/XX/23 on XX/XX/23 I had {$50.00} deposited to my account then I spent {$35.00} and some small charges not to exceed my balance. 
On XX/XX/23 when I looked at my account I was in negative balance of {$140.00}. That equals XXXX overdraft fees. I didn't understand since I was only {$4.00} in negative. I was even more upset when they charged me {$35.00} overdraft collection fee. 
I contacted customer support today. I took my time... I was too upset to call. 
Today representative told me that policy changed. Before XXXX XXXX {$5.00} would not cause overdraft there must be something else. Again all charges causing more overdraft fees did not posted until XX/XX/23. I was told there were XXXX other charges pending in their other system. Those pending charges never showed on my statement or account pending... 
Since they process courtesy refund in XXXX for first incident and that only happened after I filed complaint, there is nothing they can do this time. 
The worst part new policy changes starting XX/XX/23 you must be negative {$50.00} before overdraft fee is charged and there is no collection fee. 
I guess I am out of luck. I am only one working in family I don't have money to cover. Overdraft fees... I have been with this bank for over XXXX years... 
They are hiding pending charges. No other bank does this. I don't understand how they get away with it. 
On top of everything else I was told if I don't cover overdraft charges my account will close and will be charged off...
Consumer complaint received 2024-10-10
Product: Credit reporting 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. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2023-05-11
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX 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 fumish a account without my written instructions 15 U.S.C 1666b A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

XXXX XXXX Account open for more than 6 years, I contacted the creditor requesting a copy of my contract and payment history, they have no clipping of my name or the account I have requested an investigation by the agency for more than XXXX opportunities EXPERIA credit, which has not solved the problem of the elimination of the late payment or the elimination of the account completely. 

XXXX XXXX This creditor submitted late payments in the pandemic period of XXXX and XX/XX/2020, I contacted the creditor and they informed me that they would not make any report, I have litigated this late payment for more than 1 years with the Experian agency and without elimination results of late payment since it includes the federal mandate that no vehicle agency could report late late in the pandemic period. 

Also none of these accounts are reported in the other credit bureaus, only EXPERIAN failing to comply with a truthful and correct investigation keeps them in my records, for more disputes and tests that I have submitted.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company-without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX
Consumer complaint received 2023-03-24
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. (IN)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (CA)

I reported fraudulent actives on my XXXX XXXX XXXX XXXX store card ; however, as of today the issue has not yet been resolved and I am still being charged for those purchases. The company has also reported my payment as being late on my credit report.
Consumer complaint received 2023-03-24
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-21
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. (FL)

RE : Complaint Regarding Unauthorized Inquiries on TransUnion Credit Report Dear Consumer Financial Protection Bureau, I recently discovered unauthorized hard inquiries on my TransUnion credit report. The following companies made these inquiries on the specified dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted the companies involved, but they confirmed no record of my consent for these inquiries. 

I am submitting this complaint to request the prompt removal of these unauthorized inquiries from my credit history, as they violate my privacy rights and the Fair Credit Reporting Act Section 1681b ( c ). 

I trust that the appropriate actions will be taken to investigate the matter and resolve it promptly. 

Thank you for your attention to this matter.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (LA)

Rocketmortgage did not pay my home owner 's insurance out of my escrow account. My insurance was canceled and I had to renew it at a different price. I was without insurance for 3 months. I tried to resolve this issue, even had the home owner 's insurance company to contact them. They are all of this my fault. They said I was without the 3 months coverage and I own {$470.00} XXXX and some change. I wanted to pay the XXXX without it being added monthly payment but they did anyway. Now they say my escrow account is short by a XXXXXXXX XXXX I returned a check to them for XXXXXXXX XXXX for my escrow account. But I can't seem to get a straight answer from them as to how my account is short if I haven't missed a payment. They are the ones who caused this issue by not paying my home owner 's insurance. I thought this is what your escrow account is for.
Consumer complaint received 2023-05-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: TransferWise Ltd (IL)

Dear Consumer Financial Bureau, I am writing to file a strong complaint regarding the recent closure of my account with Wise. I reported to Wise about a scam that had happened to me a few days ago, but instead of taking appropriate action to resolve the issue, they closed my account without providing any reason. 

As a customer, I believe it is my right to be informed about the reason behind the closure of my account. I have not engaged in any fraudulent activity or violated any of the terms and conditions of my account, and I am deeply concerned about the sudden and unexplained closure. 

I am extremely disappointed with the lack of communication and support from Wise during this incident. As a financial institution, they have a responsibility to protect their customers and help them resolve any issues that may arise. Instead, they have chosen to close my account without any warning or explanation, which has caused me significant inconvenience and frustration. 

I urge you to take immediate action and demand that Wise reopens my account as soon as possible. I expect a timely and satisfactory resolution to this matter, and I hope that Wise will take steps to ensure that this kind of situation does not occur in the future. 

Thank you for your attention to this matter, and I look forward to hearing back from you soon.
Consumer complaint received 2023-03-24
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. The List of accounts below has violanted my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602. A. Stated 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 on the following items of information Any other adveerse item of information, other than record of convitions of crime 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.