davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (MA)

On XX/XX/year>, I opened two accounts, the Smart Advantage Account and the Relationship Plus Money Market, with XXXX through their website ( Accounts and account number shown as Attachment 3 and 4 ). I followed the instructions and proceeded to transfer the initial deposits into the accounts. Using my Discover account detailsspecifically the routing number and account numberI made two distinct transactions : a {$25.00} deposit into the Smart Advantage account and a {$25000.00} deposit into the Relationship Plus Money Market account through the XXXX website ( Transaction in Discover shown as Attachment 5 ). However, on XX/XX/year>, I received notifications from XXXX stating they encountered difficulties funding my newly opened accounts and decided to refund ( Email from XXXX shown as Attachment XXXX ). However, I only received the {$25.00} deposit reflected in my Discover account. The {$25000.00} intended for the Relationship Plus Money Market account did not appear. Despite numerous attempts to resolve this issue by contacting XXXX, I have not received a satisfactory resolution. After submitting a complaint in CFPB to XXXX, I finally received their response on XX/XX/year>. BMO informed me that their vendor, XXXX, holds the funds, and they advised that Discover 's ACH department should request a debit return ( Response from XXXX shown as Attachment XXXX ). 

Following a complaint filed with the CFPB against Discover on XX/XX/year>, I received a response from Discover today stating that they reached out to XXXX. However, they conveyed they are unable to retrieve the funds from XXXX due to XXXX requiring information from XXXX Bank ; as XXXX Bank had initiated the original ACH withdrawal and the return ( Response from Discover shown as Attachment XXXX ). Its essential to note that XXXX communicated with XXXX on XX/XX/year>, instructing me to request Discover to reach out to XXXX. However, Discover has now redirected me to request XXXX to reach out to XXXX. This situation falls into an endless loop, leaving me in a hopeless situation where XXXX continues to hold my funds without resolution. 

The situation has become increasingly convoluted, with conflicting responses from XXXX and Discover. I request Discover to provide detailed processes undertaken in their communication with XXXX. This includes Discovers inquiries and XXXX 's detailed responses and instructions in all communications. Meanwhile, I have submitted complaints against both XXXX and XXXX today, and simultaneously, I urgently request Discover 's assistance in working collaboratively with BMO and XXXX to resolve this matter promptly and retrieve my funds. 

This financial situation has made my life a mess as I need to use the {$25000.00} to pay my rent and groceries. Therefore, I seek the CFPB 's assistance in facilitating a resolution to retrieve the missing {$25000.00}, along with any accrued interests, which have been outstanding for over four months.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi. I was the victim of identity fraud. I have a hard inquiry listed on XX/XX/year> from XXXX ( XXXX ) that I never approved. Their agents and website have been useless in removing this hard inquiry. Please fix this error.
Consumer complaint received 2023-08-30
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: AMERICAN EXPRESS COMPANY (CA)

I filled out an application for an American Express business credit card for my company, not for me. But I was surprised that they made a hard inquiry on my name or on my credit report. 
I asked them about the reason for the hard inquiry on my credit report, and I did not ask for it under my name, but for the name of my company. They did not tell me that they would use my name and information, and they did not warn me about hard inquiry.
Consumer complaint received 2023-10-09
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. (NJ)

DELETE THISES INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc. (GA)

SELF XXXX XXXX XXXX XXXX  XXXX, MO XXXX Dear SELF, I am writing to dispute the accuracy of certain disclosures in the credit agreement associated with the SELF Account number XXXX, which I believe to be in violation of TILA Section 1026.6. It has come to my attention that the following disclosures are inaccurate and misleading : the date of last reported delinquencies of two late payments.

These inaccuracies are not only misleading but also a violation of my rights as a consumer under TILA Section 1026.6, which mandates that disclosures must be clear, accurate, and in compliance with federal regulations. Furthermore, under 15 USC 1681 Section 602, I have the right to privacy, and 15 USC 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. I never gave you or the above-listed creditors any written instruction to furnish any information on my consumer report, which is a violation of 15 USC 1681b . Additionally, pursuant to 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( b ) of this title, is mailed or delivered to the consumer not later than 21 days before the payment due date.

The Credit Reporting Agency has caused severe stress and anxiety due to these abusive and unfair practices. I request that you promptly correct these inaccuracies or remove this account from my credit file in accordance with TILA regulations and provide me with updated documentation reflecting the accurate terms of the credit agreement. Failure to address this matter within the legally prescribed timeframe may result in further legal action to protect my rights.

Please provide the following information : 1. Revised and accurate disclosure statements.

2. An explanation of how the inaccuracies occurred and were identified.

3. Proof of compliance with TILA Section 1026.6 requirements.

I anticipate your timely response and a satisfactory resolution to this dispute.
Consumer complaint received 2023-10-30
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. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-09
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: Experian Information Solutions Inc. (DC)

This information is totally wrong and is damaging my report and does 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
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

On XX/XX/XXXX it was reported that an late payment occurred on my XXXX XXXX  account from XX/XX/XXXX. I called XXXX XXXX and was advised to reach out to all three ( 3 ) credit bureaus XXXX, Equifax and XXXX. After reaching out to the credit bureaus, asking them to investigate I would only receive auto generated response stating my account was updated. No investigation was performed, no validation of my account being past due NOTHING. Just auto generated response. Attached is my bank statement, reflecting payment being made through XXXX XXXX on XX/XX/XXXX in the amount of {$430.00}. My due date was the XXXX of each month occurring late charges after the XXXX. Account past 30 days would be AFTER the XXXX of the following month. My payment was submitted On time with XXXX XXXX  through their 3rd party collection by phone on the XX/XX/XXXX. Please see my attached bank statement.
Consumer complaint received 2024-03-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: United Shore Financial Services, LLC (NM)

This is my third complaint against United Wholesale Mortgage. While problems with delays and communication were still existent, this complaint focuses on the underwriting process that used inaccurate data and calculations to issue my denial. This was my second application for a loan assumption. 

I applied for the second time in XXXX of XXXX. The denial was issued in XXXX of XXXX. I was initially told by XXXX XXXX that my debt to income ratio was too high. I calculated my debt to income ratio multiple times during this process, and in fact had paid off a substantial car loan to bring it down significantly, and it was well below their cutoff. There were two errors, of which I am aware, with their calculations. First, they only assigned {$4000.00} of monthly income to me. This did not correspond to the average of two tax years ( I am self-employed ) that the representative told me was used to calculate income, even after accounting for some income that was disqualified by them. Second, they used a student loan payment that was 10 times ( {$550.00} ) the legal amount to calculate a student loan that was in deferment. Initially, they told me they use 1 % to calculate it. I have a XXXX XXXX loan. They are legally required to use .5 %. They then told me they used .5 % ( {$58.00} ) but that I would still not qualify. 

After having discovered such grave errors in their calculations for debt and income, I asked them to show me all the numbers they had used to calculate my debt, and to explain how they had calculated my income as their provided number did not correspond to their purported formula. 

UWM has a legal obligation to approve loan assumptions that qualify. I have a XXXX XXXX XXXX XXXX and have a firm understanding of how their formulas and calculations work. Based on the information that has been provided to me up until this point, my analysis shows their calculations are incorrect, and that my application should have been approved. I would like them to fulfill their legal obligation to approved qualified applications such as mine.
Consumer complaint received 2024-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I opened a XXXX XXXX Account with {$1500.00} limit on XX/XX/XXXX. I experienced no problems. I received a notice on XX/XX/XXXX that XXXX was transferring the account from XXXX to XXXX XXXX XXXX. This transfer was to occur as of XX/XX/XXXX. 
XXXX and XXXX XXXX XXXX  reported the account to credit reporting agencies for months. I attempted to rectify the issue with no success. Additionally, XXXX XXXX XXXX  is reporting erroneous information. 
I attempted to correct the issues directly with XXXX, XXXX XXXX XXXX  and XXXX XXXX to no avail. 
XXXX and XXXX are no longer reporting the XXXX account. I disputed the information with Transunion requesting the duplicate reporting cease. I received a response on XX/XX/XXXX indicating INVESTIGATION RESULTS- VERIFIED and UPDATED : The disputed item ( s ) was verified as belonging to you and information has changed or been updated to reflect recent activity. 
There is no way this could be true. Therefore, I sent a letter more fully explaining the error to Transunion and requesting the method of verification under FCRA Section XXXX ( a ). 
I received a response again stating that INVESTIGATION RESULTS - VERIFIED AS ACCURATE and UPDATED : The disputed item ( XXXX ) was verified as accurate ; however, other information has also changed. regarding information reported by XXXX. Transunion indicated INVESTIGATION RESULTS- VERIFIED AS ACCURATE and UPDATED : The disputed item ( XXXX ) was verified as accurate ; however, other information has also changed. regarding the information reported by XXXX XXXX XXXX. 
Transunion provided no information or documentation responsive to my request about the method of investigation as required by federal law. 
The following errors still exist on Transunion reports : XXXX. The same account is being reported as XXXX XXXX XXXX XXXX XXXX and XXXX 
XXXX. Both accounts have erroneous information. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  reflects the following erroneous information : i. Balance of {$1300.00} XXXX. Last payment of {$500.00} on XX/XX/XXXX bXXXX XXXX reflects XXXX following erroneous information : XXXX XXXX XXXX - 30 days late XXXX. XX/XX/XXXX - 30 days late I also disagree with the late payments reported by both in XX/XX/XXXX and XX/XX/XXXX. I am obtaining the supporting documentation to further dispute this as well. 
XXXX XXXX XXXX  is also reflecting my account as having no available credit ; however, the balance owed on the account is currently reflected as {$450.00} with a {$1500.00} credit limit. The response to my inquiry was some nonsense about me placing a cease-and-desist notice on my account in XX/XX/XXXX. All requests for proof of this are ignored. 
This is severely damaging my financial stability and resulted in the denial of credit.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Florida XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 

1. The following account is not mine XXXX Account Number : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

2. The following account is not mine XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This account is in F.C.R.A violations to report Late payment history on Collection/Charge off the account. In addition, these late payments are completely an error because they didnt follow the chronological order of days late timeline. I demand this account to be removed as theyre proven as completely inaccurate. 

XXXX. This charge off account does not belong to me. I never have any financial obligation with this company XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. This charge off account does not belong to me. I never have any financial obligation with this company XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. This charge off account does not belong to me. I never have any financial obligation with this company XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. This charge off account does not belong to me. I never have any financial obligation with this company XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. I never late on this account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. This charge off account does not belong to me. I never have any financial obligation with this company XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. This collection does not belong to me XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Thank You Sincerely yours, XXXX XXXX
Consumer complaint received 2024-03-04
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (VA)

On XX/XX/XXXX, I purchased some XXXX XXXX with the 2-year XXXX coverage ( {$29.00}, price+tax ) as a gift for a relative on XXXX using my XXXX XXXX  store credit card, the order total was over {$290.00} so I got a 12-month promotional 0 % APR. 

I got a text and screenshot from the relative showing that when the XXXX  were added to their XXXX  device, the XXXX  displayed a " Limited Warranty '' and " Eligible to Add XXXX '' even though I already purchased the plan when I ordered it online, so I shouldn't need to purchase again. 

I contacted XXXX customer service through chat on XX/XX/XXXX ( agent XXXX XXXX and XX/XX/XXXX ( agent XXXX  ) to make sure the service plan I purchased was attached to the device. Both agents confirmed that the plan was purchased on the order but was not attached to the device. They recommended I contact the Best Buy XXXX XXXX customer service and provided me with a case number and contract ID for the XXXX.I called on XX/XX/XXXX and got nowhere with the representative, they stated that the person I purchased the XXXX  for would not see the service plan since it was attached to my BestBuy email from the order and I'd need to be present at an XXXX Store with them if they ever needed to put in a claim, it made no sense. 

After the runaround, I filed a dispute with the Best Buy store credit card through Citi on XX/XX/XXXX as my relative purchased the XXXX  through the Settings of their device directly through Apple and I needed a refund. On XX/XX/XXXX I got an email from Best Buy " Action Required by XX/XX/XXXX to Activate XXXX '' where it was acknowledged that there was an issue applying the service to the device when they shipped it and if I didn't provide the IMEI or serial number by XX/XX/XXXX I would automatically get a refund to the payment methods. I replied to that email letting whomever know that I would be awaiting the refund and not following the steps since it had been purchased again directly through XXXX to avoid the headache and further mishap. The toll-free phone number the rep from chat suggested on XXXX did not recognize my SSN or credit card to talk with customer service about the refund.
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (OH)

During the months of XXXX, XXXX, XXXX, XX/XX/year>, my payments for the account with Citi bank were not uploaded to the account after they were supposed to be automatically uploaded & reflecting. The agents upon calling kept stating it was an issue with the systems & it should reflect within XXXX hours. The payments of hundreds of dollars if my hard earned money would just vanish. The same happened to my XXXX  account. So we requested to close the account after making the final payment. Wed escalate calls, contact other numbers to try to speak to corporate & because of XXXX no one would contact us back & theyd hang up in our faces as well. I thought of suing them but the court system was shut down as well. They were taking advantage of consumers that were simply looking to restore credit for their financial needs. Fast forward XXXX years later this account is on my report & I want this faulty account that has received their payment numerous times to be removed. Ive spoken with them numerous times, sent letters & not one person remedied the problem. They just keep lying. My husband even paid a balance he knew he didnt owe & they lied & said it was a pay for deletion & its been XXXX years & still on there. So why would I trust theyd not do the same to me.
Consumer complaint received 2018-11-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (MD)

I SEND {$220.00} to one of my family member in the XXXX XXXX on monday XX/XX/19 using the express service, i called Remitly 5 times to ask them why my money still frozen on their system, they told me that they will take care that problem in 4 hours on monday XX/XX/19, i called back again and they told me that the other parnert need a Id from my recipient and i did send it to them but no answers, my money still frozen in they system, i called them back again and they told me that they will contact their parnert again to see happens, no but answer yet. today is wednesday XX/XX/XXXXand no no call from remitly, no call from XXXX XXXX no email from nobody about my money.
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

Dear team, On XX/XX/year> I made a full refundable airplane ticket purchase on XXXX XXXX. The Credit Card company is refusing to reimburse the full amount saying that the ticket is not fully refundable. 

I have provided many times proof that the tickets were sold as refundable ( I have attached them screenshots of the purchase process and options selected ), but they keep on denying full reimbursement. 

I am attaching cancellation confirmation, original booking with booking code I, ticket as shown on XXXX XXXX webpage as refundable ( booking code I ). 

Kindly, XXXX XXXX