davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Bank of America for its deceptive practices, systematic violations of my consumer rights, and the continuous financial and emotional distress I have endured as a result of their actions. Below are specific examples of the ongoing issues I have encountered with Bank of America : XXXX. XXXX XXXX Records and Conflicting Correspondence : ** I have received multiple sets of transaction records from Bank of America XXXX which differ drastically from each other. The original transaction documents I was sent are entirely different from the more recent papers I received. This inconsistency in documentation is not only alarming but raises concerns about the accuracy and transparency of their internal processes. Furthermore, I have received contradictory correspondence via email and postal mail. Information sent in emails often contradicts physical letters I never received, leaving me confused and concerned about the authenticity of their communications. 

XXXX. **Unprofessional Delivery of Documents : ** Recently, I received a large box on my doorstep containing a disorganized pile of papers. The documents were haphazardly thrown into the box with no order or structure. This unprofessional delivery is unacceptable, especially given the sensitive nature of the documents involved. The careless delivery further indicates the bank 's neglect in handling my case with the seriousness it deserves. 

XXXX. **Repeated Receipt of Duplicate Documentation : ** I have also received the same documentation multiple times, sometimes weeks apart. This repetitive receipt of the same papers without any updates or new information suggests something deeply wrong with Bank of Americas internal processes. The repetition adds to my growing suspicion that there may be systemic problems within their claims handling procedures. 

XXXX. **Incorrect Address on Encrypted Documentation : ** I have only spoken to a Bank of America representative named XXXX XXXX. The only correspondence I received from her had an incorrect address listed on encrypted documents sent to me by Bank of America. Despite this clear mistake, I never had further communication with her to resolve the issue, yet I continued to receive conflicting letters, some of which never arrived at my
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (WI)

I applied for the Wells Fargo Active XXXX Back credit card on XX/XX/2024. I have a XXXX XXXX of XXXX ( updated on XX/XX/2024 ) with 100 % on-time payment history, {$5500.00} in available credit across two accounts, and 0 % credit utilization at the time of my application. I have never been late on payments, and I have only one recent inquiry in the past two years. 

Despite my strong credit profile, my application was denied without a clear explanation. When I contacted Wells Fargo for clarification, the representative I spoke with was unhelpful, dismissive, and rude. I feel I was not treated with the professionalism or respect I expect from a financial institution. Additionally, the denial seems unjustified given my credit history and responsible use of credit. 

This experience has been frustrating, especially as I was seeking a card to help build credit further and responsibly earn rewards. I believe Wells Fargo should review how they handle customer inquiries and credit decisions to ensure fair treatment.
Consumer complaint received 2024-08-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (NJ)

The company where I work pays me through Wise. Every payday I would receive my pay there without problems. I tried to make a few transfers the last time I got paid ( which was XX/XX/XXXX ) and they would not go through. Wise said they began investigating my account. I no longer could make any transfers or use any of the money in my Wise account. All my paychecks are sent to Wise so they have thousands of dollars for me in the account. After battling with customer service for days and still not being allowed to touch my money they sent me an email on XX/XX/XXXX : XXXX ( Wise ) XX/XX/XXXX, XXXX XXXX Hello, We're getting in touch about your account you set up through the XXXX XXXX application via Wise. After reviewing your account, weve decided that unfortunately we cant offer our services to you going forward. Weve deactivated your account. We've also cancelled any pending transfers and refunded them to their origin. 

Learn how long refunds take. 

The reason behind our decision is because your activities exceed our risk tolerance. Please refer to section 1.2 of our Acceptable Use Policy, which states that we reserve our right to deny our services to any customers who exceed our risk tolerance. 

If you need any further assistance, please let us know we're always happy to help. Were sorry about any issues this may cause and hope you find another solution for your international transfers.

Regards, The Wise Team At no point have they mentioned sending me my money paid to me by my employer. I've asked them about sending me my money but they don't respond anymore. 

Furthermore they claimed to have deactivated my account and seized all my funds in it because I started to use Wise with XXXXXXXX XXXX 

On XX/XX/XXXX Wise made an official press release that they had partnered with XXXX XXXX and can now seamlessly allow clients to make payments on Interactive Brokers with their Wise accounts. Link to article XXXX XXXX XXXX XXXXXXXX  Hence, I have been penalized and my funds seized for using a partnership which Wise encouraged its clients to use which violates their agreement with them and us as the clients. 

Up to this moment they have continued to ignore my requests to send me my funds and have stopped answering completely.
Consumer complaint received 2024-08-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Interest rate
Company: Freedom Mortgage Company (LA)

From XX/XX/XXXX to XX/XX/XXXX I have been contacting my mortgage company, Freedom Mortgage, requesting my mortgage interest rate be decreased to 6 % referencing Louisiana Revised Statute ( RS ) 29:312, Service members Credit Relief Act, given that I am XXXXXXXX XXXX XXXX XXXX on XXXX XXXX orders. The company has refused to lower my interest rate which I believe I am entitled to. I have a copy of all messages sent to the company. Any assistance you could provide would be greatly appreciated.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On Friday, I attempted to follow the instructions and called during business hours to verify my identity. However, the customer service representative was unable to access the verbal identity protocol and transferred me to a different department. They informed me that there was a glitch that required fixing, which could take 7-10 business days to resolve. This was the same response I received a month ago. Regarding my new address, I had already provided this information over the phone to your representative, who updated it after I noticed I was having this issue. If necessary, I still possess my previous home and phone, as well as my new home and new number. Several months ago, I sent bank statements from XXXX XXXX, my previous voter registration card, and a photocopy of my ID, which a representative confirmed as received. Now you are requesting that I submit these documents again. My phone number has not changed ; I urgently need my credit unlocked as this situation has persisted for far too long. I continue to experience delays and obstructions. 

Old home : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE : XXXX ( Old number ) still current New home : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PHONE : XXXX ( new number ) DL : XXXX DOB : XX/XX/year>
Consumer complaint received 2024-08-19
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. (VA)

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX ( formerly known as XXXX XXXX XXXX XXXX XXXX, doing business as XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX ) after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent and was associated with an unsolicited account. Concerned by these unexplained entries, I immediately requested proof of authorization and sought an explanation for this unauthorized credit inquiry. 
In my complaint, I emphasized the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which regulates financial institutions. I urged these agencies to thoroughly investigate my case. 

Additionally, I requested that these agencies determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could result in false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system.

By sharing my experience, I hope to raise awareness and assist others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. 
It is crucial to understand that a companys name must exactly match its legal registration, as outlined in official documents such as articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, the entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring that the correct legal name appears on consumer credit reports is more than just a formalityit is a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.
Consumer complaint received 2024-08-19
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. (VA)

On XX/XX/XXXX, I filed a formal complaint with XXXXXXXX XXXX ( formerly known as XXXX XXXX XXXX XXXX XXXX, doing business as XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX and XXXX XXXX ) after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent and was associated with an unsolicited account. Concerned by these unexplained entries, I immediately requested proof of authorization and sought an explanation for this unauthorized credit inquiry. 
In my complaint, I emphasized the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which regulates financial institutions. I urged these agencies to thoroughly investigate my case. 

Additionally, I requested that these agencies determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could result in false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system. 
By sharing my experience, I hope to raise awareness and assist others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. 
It is crucial to understand that a companys name must exactly match its legal registration, as outlined in official documents such as articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, the entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring that the correct legal name appears on consumer credit reports is more than just a formalityit is a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.
Consumer complaint received 2024-08-19
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: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/XXXX, I filed a formal complaint with Truist Bank ( formerly known as Branch Banking and Trust Company, doing business as BB & T, BB & T XXXX XXXX, Lightstream, SunTrust Bank, and SunTrust Mortgage ) after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent and was associated with an unsolicited account. Concerned by these unexplained entries, I immediately requested proof of authorization and sought an explanation for this unauthorized credit inquiry. 
In my complaint, I emphasized the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which regulates financial institutions. I urged these agencies to thoroughly investigate my case. 

Additionally, I requested that these agencies determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could result in false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system. 
By sharing my experience, I hope to raise awareness and assist others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. 
It is crucial to understand that a companys name must exactly match its legal registration, as outlined in official documents such as articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, the entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring that the correct legal name appears on consumer credit reports is more than just a formalityit is a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.
Consumer complaint received 2024-08-19
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. (VA)

On XX/XX/XXXX, I took action by filing a formal complaint with XXXX XXXX XXXX XXXX XXXX after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent. Concerned by these unexplained entries, I immediately requested proof of authorization and questioned the accuracy of the entity names listed on my report. 
In my complaint, I underscored the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which oversees financial institutions. I urged these agencies to thoroughly investigate my case.

Additionally, I have asked these agencies to determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could lead to false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system.

By sharing my experience, I hope to raise awareness and help others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. 
Its important to understand that a companys name must exactly match its legal registration, as outlined in official documents like articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, that entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring the correct legal name appears on consumer credit reports is more than a formalityits a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.
Consumer complaint received 2024-07-18
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. (CO)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found nuverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. In accordance with the fair credit Reporting Act everything has to be 100 % accurate on my credit report and under 15 u.s. code 1681e ( b ) and 15 u.s. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-08-19
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. (VA)

On XX/XX/XXXX, I took action by filing a formal complaint with XXXX XXXX XXXX XXXX XXXX after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent. Concerned by these unexplained entries, I immediately requested proof of authorization and questioned the accuracy of the entity names listed on my report. 
In my complaint, I underscored the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX XXXX XXXX  ), and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), which oversees financial institutions. I urged these agencies to thoroughly investigate my case. 
Additionally, I have asked these agencies to determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could lead to false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system. 
By sharing my experience, I hope to raise awareness and help others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. 
Its important to understand that a companys name must exactly match its legal registration, as outlined in official documents like articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, that entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring the correct legal name appears on consumer credit reports is more than a formalityits a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.
Consumer complaint received 2024-10-21
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAINE & WEINER COMPANY, INC. (NM)

My original debtor sold my Account to Caine Weiner with out a written consent to me. I Have never signed a contract having a debt or authorizing Caine Weiner to have my personal information/DEBT. I believe it was wrongfully sold therefore causing this company whom i owe nothing to, to harass me and obtain my personal and confidential information. I am writing to formally demand that Caine Weiner cease and desist from [ specific actions or behaviors, e.g., unauthorized use of my intellectual property, harassment, etc. ]. Caine Weiner actions are infringing on my rights and must stop immediately.