davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. I submitted my first complaint on XXXX XXXX XXXX secornd complaint on XXXX XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed ( XXXX Credit card with account # XXXX and XXXX : account # XXXX ). According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associate of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 ( 7 ) states everything has to be 100 % Accurate. I have the credit report showing inaccurate. 
I believe that the information reported is incorrect and does not accurately reflect my credit history. I and requesting that you investigate and correct the errors as per my rights under the Fair Credit Reporting Act ( FCRA ). 
To support my dispute, I have enclosed copies of relevant documents such as my driver license and prove of address. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute.
Consumer complaint received 2023-08-08
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. (DE)

Transunion is furnishing my Consumer Report without any authorization. 
Transunion is not allowing the right to exercise my right to Privacy and remove late payment reporting and utilization reporting.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Yamaha Motor Finance Corporation USA (TX)

I Purchased a motorcycle from Yamaha Motor Finance. The account information was put in my husband 's email and phone number so I could not access the account. My husband died on the motorcycle XX/XX/2023. The insurance company sent multiple checks to Yamaha Motor Finance to pay for the motorcycle as it was totaled. Yamaha motor finance lost the checks and waited months to apply them to my account. Upon inquiring with their customer service, they had no idea who sent the checks, and they weren't accounted for on my account. Multiple service representatives hung up on me during my time of grief when I tried to explain my case. I was led to believe no one was qualified to update the late payments to reflect as accurate information on my consumer report. Still to this day after multiple attempts the company refuses to hear my case or transfer me to someone who can help. Also, the company refuses to disclose names of supervisors they are correlating with while as I'm on the phone.
Consumer complaint received 2023-09-15
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-09-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear, transunion, XXXX, and XXXX I would like you to remove all the inaccurate and misleading information from my credit report. 
Such as addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-31
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. (OH)

I am submitting to formally request the removal of four remaining fraudulent inquiries from my credit reports. These inquiries should be expeditiously addressed in accordance with the FCRA section 605b, which obligates Credit Bureaus to remove items listed on an identity theft report. The inquiries requiring removal within 15 days are as follows : XXXX : XXXX, XXXX XX/XX/2023 XXXX, XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 TRANSUNION : XXXX XX/XX/2023
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Washington Trust Bank Financial Corporation (OR)

On XX/XX/year> my Fiancee went into Washington Trust Bank where we have a joint account and withdrew {$820.00} from our Checking Account and then purchased a Cashier 's Check in the amount of {$820.00} to pay our rent. We checked our online banking on XX/XX/year> and it showed this transaction cleared. We continued to watch our account to assure all of our bills cleared, our Checking Account Balance was {$1.00} on XX/XX/year> but then on XX/XX/year> when checking our online banking my Fiancee saw that our account was overdrawn {$820.00} and that there was a withdrawal from our account that WE KNEW NOTHING ABOUT, WE DIDN'T AUTHORIZE IT AND/OR WE WERE NEVER NOTIFIED OF SAME. We both walked into the bank and spoke with the Manager asking her who made this withdrawal. We we're advised that the " banks system glitched and read the wrong account number and the {$820.00} withdrawal that we made was taken from the wrong account therefore, they ( Washington Trust Bank ) made a ( Unauthorized Withdrawal ) from our Checking Account in the amount of {$820.00} to cover " their mistake ''. When we asked the Manager to show us how we owe this money and/or prove to us that this happened, we were told that ; that was not possible. PLEASE NOTE : The transaction that was made by my Fiancee on the 3rd showed that the transaction not only took place but also, cleared on our online banking app account but then when the bank made their withdrawal, the one we made disappeared. Also, the Bank NEVER NOTIFIED US BY MAIL, PHONE CALL, EMAIL OR ANY OTHER WAY THAT THIS MISTAKE HAPPENED AND/OR EXPLAINING WHAT AND HOW IT HAPPENED. THEREFORE, THIS IS WHAT I WOULD CONSIDER A TYPE OF FRAUD AND/OR FRAUDULENT ACTIVITY ON WASHINGTON TRUST BANKS BEHALF!! AND MOST OF ALL, HOW DO WE KNOW THAT THE BANK IS TELLING THE TRUTH AND/OR HOW WE ACTUALLY OWE THIS MONEY?
Consumer complaint received 2024-07-30
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. (CA)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature. 

XXXX XX/XX/year>
Consumer complaint received 2024-06-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America XXXX XXXX XXXX XXXX XXXX. 
XXXX, NC XXXX Dear sir, I have received one large envelop which has a document prepared on XX/XX/XXXX of XXXX regarding some complaints which are supposed to be submitted to CFPB. At first, I need to express my regret to your company telling me as if I have plenty of debt to your company or a debt collector. As one in charge properly of my banking accounts, he/she should know I do not have any debt to the Bank of America or any other debt collecting company including recently closed my credit card which issued by XXXX XXXX XXXX from which I received the refund upon the closing of its credit card due to the uncomfortable and unpleasant situation. Therefore, the footnote of this letter like below is indignant : Bank of America , N.A . is required by law to inform you that this communication is from a debt collector. If you are currently in a XXXX proceeding or have previously obtained a discharge of this debt under bankruptcy law, this notice is for informational purposes only and is not an attempt to collect a debt, a demand for payment or an attempt to impose liability for a XXXX debt. Upon this disgraceful footnote, I have checked the indicated CFPB claims. I agree I submitted CFPB case XXXX regarding the leak or breach by XXXX XXXX about my saving account ; therefore, it is not debt or XXXX. Regretfully, I could not find out my CFPB account portal another CFPB case XXXX, which your company resolutions XXXX and regulatory complaints, XXXX XXXX XXXX whose call number is XXXX ( ex. XXXX ), did not exist. Since now, I am in case to settle with XXXX on identity theft, maybe, Bank of America might have the issue of identity theft ; that means your company also has the impersonate of XXXX XXXX. And this person, XXXX XXXX has the information on him/her. Therefore, I will ask the appropriate federal investigative organization to further investigation on this matter.

The contents of letter express his regret on me not to communicate with phone. Since he expressed me as if I have the debt without any proper proof, which the banker should have, I refuse to answer any calls from your company for a while. I received another call who said she was resolution XXXX. Her caller ID was XXXX. The voicemail script said her name was XXXX somebody and she asked me to call back XXXX or XXXX. I will never answer these calls. 
Sincerely,
Consumer complaint received 2024-07-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates account ( Account Number : XXXX ) - I am disputing all information being reported to credit reporting agencies regarding the Portfolio Recovery Associates account ( Account Number : XXXX ). The report lists a balance of {$2300.00}, a balance updated on XX/XX/XXXX, an original balance of {$2400.00}, an account opened on XX/XX/XXXX, status collection account, {$2300.00} past due as of XX/XX/XXXX, and responsibility individual. The original creditor is listed as XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. I am disputing the validity of this debt in its entirety and the listing of XXXX XXXX  as the original creditor. Please investigate this account and remove the incorrect details. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

I opened a checking account with Citibank on XX/XX/year>. I set up direct deposit for this account and used it responsibly. No NSF charges, OD charges, or anything. On XX/XX/XXXX, I used my debit to pay for lunch and it was declined. There is plenty of money in this account. I tried again and it declined. I ended up paying for lunch using another payment method. On Monday, XX/XX/XXXX - I receive a call from Citi Fraud department telling me that they have frozen/restricted my account. I asked why and no one could tell me. I have funds in this account totaling {$660.00}. They will not allow me to access my funds to get them out. Now it's been almost one month and my account hasn't been closed yet. What is taking so long for them to close my account and send me a check? There is not a branch in the city I live so I am at their mercy. Citi deciding to close my account is completely absurd. Them keeping my money is totally ridiculous. I would like my money back. I have spoken to several departments ( including Executive Response Unit ) and no one has done anything to rectify this. I am very frustrated and concerned that I will not receive my money.
Consumer complaint received 2024-07-10
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (FL)

I have unauthorized inquiries/ collections on my credit report that I want to get removed now I have unauthorized addresses that I do not recognize thats on my credit report that I need change now on my file. I dont want to file police report because I know if I file a police report when I do decide to use my credit, again its going to put me on fraud alert, so I do not want to be on fraud alert. I just want this removed from my credit please Hunter war field XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dept of education XXXX XXXX XXXX XXXX XXXX Dept of education XXXX Dept of education XXXX Dept of education XXXX Dept of education XXXX
Consumer complaint received 2023-09-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC. (IL)

On XX/XX/XXXX I mailed my mortgage payment check for my XXXX payment ( due by the XXXX ). On XX/XX/XXXX, I received a call from a XXXX XXXX XXXX  ( not PennyMac ). This made me call PennyMac. They demanded an over-the-phone payment and threated debt collector again, so I made my second mortgage payment for the month of XXXX. 
On XX/XX/XXXX, five days after permitting an e-payment, I made my XXXX mortgage payment. THEN, on XXXX, they CASHED the check I mailed on XX/XX/XXXX. Now they have been paid twice for XXXX, AND I have sent payment for XXXX ... which they could receive and cash very shortly. So I called PennyMac again. I spoke with an agent AT LENGTH, and they finally acquiesced to return my money. I requested that this be returned electronically so funds would be immediately available, especially since my XXXX mortgage check could be cashed at any moment. I was told that he " expedited '' the fund reimbursement and that I should have my money within 3-5 business days. 
On XXXX I call to follow up as I have not received an e-bursement, and I don't trust them. At this LONG call... .I finally get a supervisor, and discover that they MAILED a physical check that should be there in a few days. This is unacceptable, I need my money back before my other bills are due and they inevitably cash my XXXX check. Then I'm told that NOW I will have an e-bursement to my account in 24-48 hours, that they cancelled the physical check, and the same supervisor says he will call in 48 hours to verify that I have my money. 
XX/XX/XXXX : by XXXX, no call and no money..so I call them. After yet another lengthy phone call, it is discovered that the e-bursement was DENIED. Fortunately ( I hope ), they did not cancel the physical check. So ... at XXXX I did a mobile check deposit, that still hasn't cleared ( naturally ), so I'm now late on my mid-month bills... .IF the check does clear. 

Clearly they have a processing problem, as well as a customer communication issue. They held my money for XXXX WEEKS unethically. No one should have to work this hard to get their own money back when a mortgage company has made an error by creating lengthy processing of mortgage payments, then extorting money from the customer, then holding that money XXXX.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Ive contacted TransUnion on XXXX different occasions about not being able to access my consumer report. After being told on XX/XX/year> that was an I.T. Issue and issued a case number and would receive a call within 72 hours. Case number given was XXXX. Called again on XX/XX/year> and was told the same thing. No results yet
Consumer complaint received 2023-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

Money disappear from my account and I was told since it was from ATM and others from different reasons I was denied my funds back and also from time to time I would see amounts of money gone from my accounts. I also applied for loans and credit cards from them and we're denied immediately and my credit score is not that bad plus I've been with them since XXXX and I have encountered numerous problems through out the years.
Consumer complaint received 2024-07-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Associates, Ltd. (CA)

As this account was settled and successfully paid off, I recently became aware that this debt is still on my credit report with the wrong information. As such, I am requesting a goodwill deletion for this account to be removed from my credit. In addition, I am also requesting the purchase agreement of the debt you have bought from XXXX. 
This is NOT a request for verification or proof of my mailing address, but a request for a GOODWILL DELETION as made pursuant to the above FCRA Section 623 ( a ) ( 2 ) and FCRA Section 623 ( a ) ( 1 ) ( A ). 
At this time, I will also inform you that as your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both federal and state laws. Due to this fact, if any negative marks is found on any of my credit reports by your company or a company you represent, I will not hesitate in bringing legal action against you and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character.
Consumer complaint received 2019-05-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OK)

XX/XX/2019 I was looking for an installment unsecured personal loan. XXXX XXXX from ace cash Express sent a verification form link to my email. It was actually a XXXX form which didn't redirect me to a website. They asked for my bank username and password for verification. I don't give that kind of information out, nobody should. So he called and I missed it. I called back and talked to XXXX at XXXX-XXXX-XXXX  a XXXX XXXX Texas number. He kept trying to get my username and password. I told him I didn't need a loan that required that. Later a phone from California called from XXXX-XXXX-XXXX. He had a strong XXXX accent but could understand he was ace cash Express trying to get my username and password again. Hung up on him.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (CA)

This complaint to BARCLAYS BANK DELAWARE for allowing fraudulent account on my credit report. As I checked my recent credit report, the fraudulent and inaccurate account still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Consumer complaint received 2023-09-15
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (NY)

I have a XXXX store card held by Comenity Bank. 

I made a purchase online on XX/XX/2023 and used {$45.00} of credit card rewards to pay for my purchase. I then returned the item in store on XX/XX/XXXX ( receipt attached ) and the cashier processed the return and rang up the items I was buying in store. You can see on the receipt that the item cost {$60.00} and I was getting refunded {$15.00} with a line under that I used {$45.00} credit card rewards. The {$45.00} rewards was not processed on that receipt and nor was it returned to my credit card. 

I reached out to the company on XX/XX/XXXX stating that my {$45.00} in rewards was not credited back and was told it would be forwarded to the correct department. I did not hear back after XXXX weeks and reached out again on XX/XX/XXXX. They responded with something that had nothing to do with my question and then after another message exchange, I was told that a dispute was being opened for the missing {$45.00} ( message attached ). I never gave the okay or permission to open a dispute- which created a note on my credit reports. I believe this is illegal for them to act on my behalf for my credit. 

After many back and forth messages ( with some of my messages being completely ignored ), I was told on XX/XX/XXXX that {$45.00} in credit card rewards was added to my account on XX/XX/XXXX. I then went to my rewards section and did not see anything that supports this. Instead, I saw {$0.00} added on that date ( proof attached ). XXXX cents and XXXX dollars are XXXX very different things. I went back and forth again and they insisted the {$45.00} was credited back to me. They told me that they can open another dispute. 

In the middle of this, I have had XXXX {$10.00} rewards expire. Mainly because I have spent XXXX months trying to get my money back that they owe me! I went to use XXXX of the rewards on the day it was supposed to expire and it was not in my account to be used. I am not sure how something can expire on a day and not be available for use. This is false advertisement!