davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank, promised me at an phone call conversation on XX/XX/XXXX, another {$500.00} check, called " appreciation check '', that it would be issue and sent to me by XX/XX/XXXX ; When it did not arrive me timely, ... '' I did occur a loss of very valuable professional business coordinate property '', since over-due payment of {$500.00} was not made to a XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
I didn't receive promised Wells Fargo {$500.00} check, timely enough in order stop mine stored property from being sold at an auction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, due Wells Fargo fail send timely, promised {$500.00} appreciation check. 
I asked Wells Fargo Bank, relative agents in written business form, for an appropriate by law, does enforce for being available me such injury, property loss, incident, type to insurance result claim for injury. 
Wells Fargo agents further violate law by not provide me injury claim. 
I was harassed by Wells Fargo agents, I was detour promised check, of {$500.00}, until about XX/XX/XXXX, unfair and disrespectful, I ask claim.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NC)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. 

Late Payments Reporting by Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-08
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)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (CA)

I AM ONLY LIABLE FOR THIS DEBIT WITH XXXXXXXX XXXX XXXX AND I DO NOT HAVE A CONTRACT WITH CCS COLLECTIONS. THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS I REQUESTED. I CONTACTED THE ORIGINAL CREDITOR, AND I SETTLED THE AMOUNT WITH XXXX XXXX AND PAID THEM IN FULL. THEY AGREED TO REMOVE THE COLLECTION ACCOUNT FROM MY CREDIT REPORTS FROM THE THREE CREDIT BUREAUS. I BELIEVE THAT CCS COLLECTIONS ARE SCAMMING, BECAUSE I ALREADY PAID THE ORIGINAL CREDITOR XXXX AND I DO NOT HAVE A CONTRACT WITH CCS COLLECTIONS. I DO NOT HAVE ANYTHING TO DO WITH THEM. THEY DO NOT HAVE ANY RIGHT TO KEEP THE COLLECTION ON MY REPORTS WHEN I HAD AGREED WITH THE ORIGINAL CREDITOR TO PAY AND DELETE. I DEMAND THIS ACCOUNT BE DELETED FROM MY CREDIT REPORTS IMMEDIATELY. I HAVE EVIDENCE TO PROVE MY CASE. 

BEST REGARDS XXXX XXXX
Consumer complaint received 2023-09-12
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. (TX)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2024-01-17
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Grain Technology, Inc. (AL)

Today ( XXXX ) I received an email from GRAIN stating my credit limit has dropped. When I opened my account I had a high credit limit and was working on my credit so when they offered me XXXX I wanted it. As years passed my credit situation became better and I learned how high interest rates cost you a lot of money in the long run, but still I didnt close my account with grain because I was about to buy a new home and was told the accounts opened with long history makes your credit stronger even though in my mind Im knowing their fees are extremely high and Im not using this account they just bill me month to month. When I went to close my account it states I cant because I have to have a XXXX balance in order for them to return my security deposit when in fact I never put a a security deposit and I am tired of them and I want to end my relationship! They are not brick and mortar and you cant even get no one on the phone ever and Im sick of it!! On top of that you lower my credit limit this is the lowest credit limit I have over 17 credit cards and everthing I have is over XXXX dollar limits so for them to think Im about to settle for this low limit as if Im fresh outta high school and just learning to manage personal credit is crazy I dont want it wont stand for it and there is no need for them to keep lowering but every year right before they charge this high XXXX fee they charge next month no!!!!! I rather close my account and be done with this XXXX because I am better than that now and can go into any bank or credit union right now and get the best rate and better credit terms out there. Can someone please contact someone on their team and get them to close my account. In life it has never ever been this hard to close an account even if you owe a balance they just bill you until youre done paying it off so what makes grain think they are above the law and set up their system where you cant speak to no one, they give you a few options in self help on what they think you may ask, and then you send a request and wait until someone decides on their own when they will respond to you I am not taking it from them anymore NO!!!!!!!!!!!! Its XXXX and XXXX and they need to be stopped!
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (CA)

In XXXX of 2023, Ally Financial reported me as being delinquent two payments on my vehicle. This was shocking as since the inception of the loan several years prior, I had set them up on auto pay and had never been late. I checked my bank account and both payments had been swept on time and cleared. I provided confirmation numbers to Ally, but they insisted these payments had not been made. Upon further investigation with my bank, XXXX XXXX XXXX, I learned that at some point in XXXX, the two organizations changed the manner in which they transfer funds electronically ( or not ) between each other. Without alerting consumers, they changed this method, to what I believe may a manual check process. Addresses were provided unbeknownst to me between the organizations, several of them wrong, with checks being returned and reissued multiple times, again completely without my knowledge. Once I was finally in the loop, I made an immediate payment over the phone plus penalties ( and have still not been reimbursed by either organization for that ) to catch up. XXXX XXXX XXXX issued an immediate good faith letter for their role and Ally assured any negative impacts to my credit would be handled. I was in the process of buying a home, and as I have few credit lines, this single event dropped by score by XXXX points. Ally did nothing in the 6 weeks I was closing to assist in clearing up this issue, and in fact, continue to refuse to correct it, even after I disputed the negative reporting with all three credit bureaus. I have contacted Ally on multiple occasions by phone, each time they claim to have not received the good faith letters from XXXX XXXX XXXX, even though they have been faxed multiple times, I have provided them via their website, they were on the phone with the bank directly etc. Additionally, after receiving their letter stating that they were not changing their credit report on the incident, they have no physical address available to address future letters to, and their online portal did not recognize my account be email or username. After calling again and being told there is no way to send a letter, I threatened legal action, and then, and only then did they provide a XXXX XXXX XXXX of which I doubt I will ever receive any response to. I asked for a physical address or any address a certified letter can be sent to as was told it does not exist. Massive financial organizations like this hope to wear consumers down by making communication and information nearly impossible. These inaccurate negative reports have hugely impactful real world implications to me and all, and I appreciate any help you can provide in this process. Thank you.
Consumer complaint received 2023-09-13
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. (TX)

The account was opened on XX/XX/2023 the highest balance is of {$720.00}. 

The account was closed on XX/XX/2023. 

The contact info is : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ( XXXX ) XXXX I filed an FTC identity theft report, which is attached below ; and, I have no consent of this account.
Consumer complaint received 2018-12-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc. (TX)

Below is from my credit report stating that I owe when I was already moved out I called the apartments they tell me that its not them and that they can not take it back. Everything below this statement is in error and I hope you can help. Please and ty in advance. 
XXXX XXXX XXXX Account Name XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$850.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$850.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$850.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount PAYMENT HISTORY XXXX XXXX XXXX Account Name XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$1900.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$1900.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$1900.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount
Consumer complaint received 2024-02-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX I opened a new Chase Checking and Savings account, using the coupon so that I would receive a total of XXXX dollar bonus for completing requirements with said accounts. On XX/XX/XXXX, I deposited XXXX via check on top of the XXXX that I had already " deposited '' into the account via bank transfer. On XX/XX/XXXX, I received the bonus for meeting the requirements for the checking account bonus. On XX/XX/XXXX, I noticed that I had not received the bonus for the Savings account, so I called Chase Customer Support. After being transferred to a higher level of customer support, I was told that I did not qualify for the bonus because the XXXX dollars I had previously " deposited '' was a transfer from another bank. I had transferred XXXX from another bank, and then deposited a check for XXXX. Chase does not consider a transfer to be a deposit. I received no warning from Chase that, according to them, I had not reached the required amount for the bonus, even though I had every reason to think that I had. I could have kept this money in a high yield savings account during this time period, instead I earned interest at .01 % in hopes of receiving this bonus. 

The customer service representative said that I met every other requirement to receive this bonus. The only issue is whether this last XXXX should count towards condition # 2, " Deposit a total of {$15000.00} or more in new money into the new savings account within 30 days of coupon enrollment ''. The money was new, as it was from a different bank, and it was within 30 days of coupon enrollment. 

Even if you assume that a transfer should not count as a deposit, which I disagree with, the condition does not explicitly say that I must make XXXX worth of deposits. It simply says to " deposit a total of ''.
Consumer complaint received 2024-04-08
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. (FL)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2023-04-19
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: HMSV Financial Services, Inc. (IA)

The company used negative credit information against me, and did not tell me about it nor allowed me to dispute the negative information. It has now been removed from my credit report. The closing was XX/XX/2023. I contacted the company and they told me about the negative information after the fact.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulte from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my cons
umer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUC consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEI to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of tI accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: PENTAGON FEDERAL CREDIT UNION (PA)

Penfed Credit Union has a provision for XXXX XXXX that they give XXXX day interest for a fixed rate certificate under Compounding and Crediting. Penfed Credit Union is not adhering to their disclosure but is taking interest from the monthly dividends starting in XX/XX/year> because of XXXX XXXX. They are shorting customers interest monthly for the year whatever amount they decide and the customer service and chairman 's office have been notified. It could be a vender not updating for XXXX XXXX but no offer to rectify them scamming customers out of interest has been provided and they say they will continue to take the interest from certificate dividends. This interest theft from customers has to be stopped and held accountable.
Consumer complaint received 2024-02-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc. ()

Hello. My name is XXXX XXXX, I'm from XXXX and I was defrauded by Trust Wallet, run by XXXX now, but they told me that this Trust Wallet is an independent company, although XXXX bought it. I was defrauded of approximately {$44000.00} in cryptocurrencies. 
I was approached by lawyer XXXX XXXX from the law firm XXXX XXXX XXXX XXXX, XXXX, who initially told me that they could help me recover the lost money at no cost. Now when they say that they have traced the money, they sent me a contract in which I have to pay the amount of XXXX dollars and an advance of XXXX dollars so that they can freeze the scammer 's accounts. 
Please tell me if the company XXXX XXXX XXXX XXXX, XXXX exists and if you can help me recover blocked money. I am attaching the contract and the other documents by which I was defrauded.
Consumer complaint received 2023-11-16
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: EQUIFAX, INC. (CA)

I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MN)

XX/XX/24 On XX/XX/24 THE DEPT OF VETERAN AFFAIRS deposited XXXX into my account with Jp MORGAN CHASE told me they are withholding my federal VA BENEFITS for an extra 2 weeks and will then send my benefits back via mail in a check.

I want my funds in order to pay my rent of {$1700.00} due on the first with a 8 % late fee applied on day the XXXX! 

I have car payment. I need food and gas and to pay electric bills. 

I can not afford to have my monthly benefits withheld and then mailed in a check! 

Please allow me to withdrawal my federal XXXX XXXX  timely. 

XXXX XXXX
Consumer complaint received 2023-09-12
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. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2018-05-21
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: DISCOVER BANK (LA)

I have reached out to this company numerous of times about the unauthorized inquiry. I have a security freeze across all 3 credit bureaus. I have called both the creditor and the credit bureaus and they keep telling me to call the other. I have ya to get anywhere with this situation. I am well aware of my rights as a consumer and I cant get a solution.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (OK)

Transworld system put wrongful, inaccurate unverified information on my credit report without ever verifying the information, without contacting me to let me know their may have been a debt, without sending any letters providing proof of a debt, without verification of address or phone number, without sending proof a debt exists or without getting a judgment through the court. They have officially committed a crime of slander, liable and defamation by not verifying the debt was mine. They are in violation of the law.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (SC)

Most Importantly, FNB is going to try to do a merchant dispute code for a previous merchant so they can hold my money for a ridiculous amount of time and the provisional credit department of this entire bank has said " we all know who you are '' over 3 calls in total over two transactions. They did fix the first transactional fraud problem after a very long 3 week harassment but, they still wanted me to wait 60 days on a XXXX dispute accompanies by a police report. The problem is FNB will do the same thing with XXXX because I do business with XXXX. HOWEVER THIS IS A DIFFERENT HOST. XXXX is a platform for different owners of properties to charge money for rentals so yes, the merchant has been used before but not for this property owner. this is in dispute with the XXXX, HUD, a few other people but I want the bank to code this and work it within 10 business days not say, " well, since you've had business with them before we have to take a business quarter to investigate ''. I don't have a business quarter to wait. This is a single owner on a platform not a repeat charge. Just because XXXX and I do business does not mean XXXX XXXX XXXX XXXX nor I have ever done business before. This was our first interaction it was the most horrifying business transaction I've ever had, I'm pressing to have her put in jail for things she did however, I am demanding that FNB code this in merchant services in a manner that this is a first transaction because I may do business with XXXX but it is simply a charging platform for multiple hosts. I'd also like it if, until I transation to XXXX XXXX that FNB treat me with respect. I feel like I'm talking to a mob bank when I speak to these people. I finally after a month reached one nice lady and even she knowing the situation seems to be at a point of " we don't care that you're being taken advantage of with proof out the gazoo, were going to do our own thing ''.