davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: BYS, LLC. d/b/a Boost Your Score (TX)

In XXXX I had an emergency and needed a small loan. I applied for and received a loan or what I thought was a loan. Before completion I quit when I realized that it wasn't a loan. I did not realize that they started taking {$82.00} a month out of my account. I called and requested it to stop and to return my money. The total is {$490.00}. They said it would take 2 weeks. After almost a month I called back and they then told me it would take 60 days and they were only going to refund {$250.00}. I told them that first of all this is not 1980 and with technology it does not take 60 days to process refunds and then when I found out that they were only going to return half the money, I realized that I had been scammed. I am looking for full restitution and a warning put out to save others from this scam.
Consumer complaint received 2023-12-12
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. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Inquiries in Dispute : Permissible purpose literally means that there must be a reason that they pulled my credit and that it must conform to the FCRA these doesnt and needs to be removed. 
1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXXXXXX XXXX 4. XXXXXXXX XXXX XXXXXXXX 5. XXXX XXXX  XXXX 6. XXXXXXXX XXXX XXXXXXXX XXXX 7. XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX XXXX 10. XXXX XXXXXXXX 11. XXXX XXXX  XXXX 12. XXXX XXXX 13. XXXX XXXX XXXX They have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX XXXX with account number XXXX XXXX XXXX with account number XXXX XXXX with account number XXXX XXXX with account number XXXX XXXX  with account number XXXX XXXX XXXX XXXX with account number XXXX
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

On XX/XX/2018, I sent a letter to Equifax stating I never provided a written or verbal authorization to the following companies to run my credit report. The specific companies involved detialed on my report are : 1. XXXX 2. XXXX  XXXX XXXX and 3. XXXX I additionally sent a request of validation of written or verbal consent to access my credit report. 

On XX/XX/2018 I called Equifax to inquire about the documented the dispute. Equifax did not show proof of authorization and did not remove the inquiries from my report. 

I have attached the certified letter with proof of delivery that Equifax received and signed for the request.
Consumer complaint received 2023-07-26
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit reporting act. Convergent account # 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 an account without my written instruction. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In the quiet XXXX of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-12-12
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-10-10
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. (MN)

Attached is a letter from XXXX XXXX  for proof of payment of the the following credit card accounts listed on my XXXX and XXXX credit Report : XXXX XXXX XXXX  # XXXX, {$250.00}, XXXX XXXX XXXX # XXXX, {$330.00}, XXXX XXXX XXXX  {$100.00} and XXXX XXXX {$610.00}. I want XXXX and XXXX to make a notation that the accounts are paid off and I want the accounts immediately closed, deleted and removed from my XXXX and XXXX credit report.
Consumer complaint received 2023-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-02-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COAST PROFESSIONAL INC (SC)

I attended XXXX XXXX XXXX back in mid year of 2023 in there data science program. However, within a week of attending the I found class and program to not be what I expected. I withdrew from XXXX with a XXXX account balance. Throughout the entire process of with my academic and financial advisor confirmed I have XXXX balance. I transferred to the XXXXXXXX XXXX  with no issues. It should also be noted that that XXXX is under XXXX school system. Bottom line I withdrew from XXXX with XXXX account and transferred to XXXX for their XXXX XXXX XXXX Again I withdrew and transferred with my academe and financial advisor stating I have a XXXX balance.
Consumer complaint received 2015-04-02
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CO)

Through Wells Fargo Mortgage we applied for a pre-qualification letter to get a mortgage for {$35000.00}. on a conventional loan for investment. We have all the monies in a Chase account for the 20 % down payment and Closing. They have approved our income, but state that some of the monies are going into our Wells Fargo personal account from our Wells Fargo business account and this was a problem for them and want me to liquidate {$17000.00}. in funds from a retirement account which would involve up to 30 % in taxes penalties and fees. An appraisal was done already and I was not advised of any problems prior to spending the money for the appraisal. We also have plane tickets that are not refundable. The money for the down payment and closing costs for this purchase came from the sale of o condominium in XX/XX/XXXX and sale of a house ( financed by Wells Fargo ) in XX/XX/XXXX lessoning my monthly payments by over {$2000.00} Now I am looking for a mortgage that will be about {$1000.00}. per month. I pre-qualified with XXXX XXXX at the same time but decided on Wells Fargo because we have been banking with them for years. I do n't believe they are following guidelines while processing my request. If they do not approve this loan I would like to find out how to get reimbursed for my expenses which are several thousand dollars are this point. I feel they have taken way to long in coming to their decisions which are not final at this point.
Consumer complaint received 2023-08-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (TX)

GM Financial is reporting inaccurate information on my credit report. Its reporting a balance on a closed account that has been charged off. I am asking for accounting records and paperwork of vehicle been sold in auction and for how much, not just their word. I want to know how did the company verified I owed XXXX. Because the original balance was XXXX and XXXX was written off and vehicle was sold in auction so the number are not adding up.
Consumer complaint received 2023-12-12
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. (NV)

I have already contacted the creditors who report these Inquiries that I do not recognize and are fraudulent and have already been reported to the fraud department. These are the fraudulent Inquiries : XXXX ( Bank ) XXXX XXXX  ( Bank ) ), XXXXXXXX XXXX XXXX XXXXXXXX ( Bank XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Bank ) XXXX
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

i contacted XXXX, equifax, and XXXX  over 6 months ago and never received any update to my about my credit file. these companies continued to report fraudulent activities to my account without the proper authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-10-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I 'm filing a complain against Wells Fargo Home Mortgage and the Real Estate Settlement Procedures Act ( RESPA ) which allows WFHM to collect for a minimum required escrow balance in addition to the funds we collect for your property taxes and homeowner 's insurance ( yearly ). For California, the allowable minimum requirement is 2 months of escrow payments. This would be considered a WF requirement as RESPA allows for us to do so. Well, my wife and I makes over $ XXXX/year last year and we have to pay {$2100.00} monthly mortgage based on 4.5 % APR. I strongly believe that the minimum 2 months balance is highway robbery. I was wondering what is CFPB is doing about. I have e-mailed my local XXXX. Congressman, XXXX XXXX, to start a bill in XXXX to repeal this act as it hurt XXXX of strong middle-class Americans like my wife and I. I might take it further to my California XXXX. Senators and also to XXXX XXXX Obama also. Thanks, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-23
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

Synchrony Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Dear sir, I have received an email and two letters regarding my closed account of TJX Rewards Platinum Mastercard XXXX At first, I need to check one important thing. The ending account numbers referred in an email, two letters, and the past bill are different. There are two ending account numbers XXXX and XXXX, all of them indicate my name, XXXX XXXX, and the residing address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX 
-- The bill which I have paid off recently has the account ending numbers XXXX, which has the billing address TJX Rewards/SYNCB, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
-- The letter prepared on XX/XX/year> has the account ending number XXXX, and office address is Synchrony Bank, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
-- The letter prepared on XX/XX/year> had the account ending number XXXX, and office address is Synchrony Bank, XXXX XXXX XXXX, XXXX XXXX XXXX. This letter explains why the Rewards of my credit cards are not usable as it was closed. Since this letter says the card ending XXXX is closed, even if this card ending XXXX was fraud credit, I am fine from the threat of illegal charging to me. Anyway, from the beginning, I want to ask why Synchrony Bank indicates there might be another credit card named on my name, XXXX XXXX, without any inquiry. I want to make sure there is not a credit card ending XXXX with my name, XXXX XXXX. 
-- An email which indicates the payment is processed has the ending number XXXX. And this email has origin of Synchrony Bank, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I just want to make sure the payment of my spending is processed correctly on my credit card issued by your company. Also, I want to make sure the credit card is closed permanently. 
The letter prepared on XX/XX/year> asked the consumer to initiate your company for an investigation and flag my information into your system to prevent additional accounts from being opened in my name without additional verification. Since there are two account ending numbers which are XXXX that I am familiar with and another ending number XXXX with my name, but I never had this card, I request the further investigation whether your company allowed to open a card in my name without necessary identity verification. As I am already tackled with all credit report companies, I will not do anymore. And I also has the identity theft report from FTC, still, your company innocently asked me to act necessary actions for fraud, I just request further actions the aftercare of fraud activity and identity theft caused by your company. 
Sincerely,
Consumer complaint received 2015-06-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CT)

My company XXXX. Received a XXXX check from our customer in the XXXX. The monies were frozen because the loss prevention dept did no like it and was suspicious. Wells. Fargo tried to return the funds XXXX times but the buyer ( sender ) bank refused it. We put pressure on Wells and so they called in the FBI for support. As a result, the funds are still there. The buyer will always refuse the funds. And Wells is keeping the money. My question is. Can they hold funds forever. We asked them to return it if they can. The sender will hand deliver the fund if he has to. Sincerely. XXXX
Consumer complaint received 2021-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

We thought that we resolved this issue with DOVENMUEHLE MORTGAGE INC and have a letter from them, to both Consumer Financial Protection Bureau and us, stating that they would resolve the issue and that they had sent a check to rectify their mistake to our escrow account, however our new mortgage company has not received the check for {$6000.00} that they stated to have sent to our new mortgage company, XXXX XXXX, on XX/XX/2020. I have tried to get an answer as to why I have not received the funds that they stated were owed to us, only to get a different answer every time I call. I have tried to resolve this issue with them, again. After 3 months of waiting, we would like to know why we have yet to receive our escrow money in the amount of {$6000.00} sent to our new mortgage company. I have attached the letter that DOVENMUEHLE MORTGAGE INC sent us stating that they sent us our missing funds on XX/XX/2020. The letter is dated XX/XX/2020. We have still NOT received the check.
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NJ)

On XX/XX/XXXX, I woke up and tried to log in to PayPal and was surprised to a message on the app stating that my account is Limited to its features until I upload my identification and bank statement. I did it immediately and the following day I received an email stating that they are permanently closing my account.

They never gave me a reason besides that I was not following their guidelines which I believe they need to be more specific! Especially if they are holding my {$210.00} for 120 days! Thats a bit excessive and it appears to be a scam because there are thousands of stories with victims going through the same issue! Almost as identical to mine which leave me to believe that they might be the ones who are not following the guidelines. I am 100 % positive that 120 days is not ideal.
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avid Acceptance, LLC (VA)

I am writing to file a formal complaint regarding a collection account labeled AVID ACCEPTANCE LLC Account # XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, 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)

I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. Accounts list as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act These Accounts have 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 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
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I opened PenFed Credit Union Checking and Savings accounts on XX/XX/24 with a {$250.00} new member bonus for receiving {$1500.00} direct deposit. {$500.00} direct deposit posted XX/XX/24 & {$1000.00} direct deposit posted XX/XX/24, but I have not received the {$250.00} bonus yet. I contacted PenFed and they said I did not complete the bonus requirements.
Consumer complaint received 2024-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I consistently make on-time payments. I am confident about this. What baffles me is why this company is marking me late in some months, which shouldn't happen. As per USC 1666b, any billing errors must be rectified, or else they'll owe me {$1000.00} for each inaccurately reported account.