davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Mercury Technologies, Inc. (CA)

I had a business account with mercury financial, on XX/XX/XXXX they closed my account and told me they were holding my {$52000.00} for 60 days then they would return. It, so about a week prior to the 60 day mark ( XX/XX/XXXX ) they asked me to provide a checking and routing number of an account in my name so they could transfer my money back, which I provided, then on the XXXX nothing showed up so I emailed them and they said " there must have been a miscommunication and they were keeping my money indefinintly... I asked why and they said I violated a term of service... ( dont know what one still ) I pressed for further info and I got some lane excuse saying they take a holistic approach to this and are keeping my money and would not discuss it further with me... which they haven't.. they ignore all attempts to contact them by blocking my phone number and ignoring emails... I filed complaints with their XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX  and have got nothing except 2 months of pass the buck while they all blame each other and tell me I have to talk to mercury... who refuses to discuss it with me... in other words ... .I got nowhere ... unless you count losing all my customers money, ruining my business and causing me to have every creditor on earth out for me... .I got there but nowhere else ... I read online that this happenes quite frequently with mercury and that their fraud software is overly sensitive and flags things that shouldn't be flagged and they have got in lots of hot water over it already ... I just don't see how they can decide to just keep my money with no reason given at all ( even with a reason for that matter )
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (NY)

I recently took a. glance at my credit report and realized it had fraudulent accounts on it. These accounts are stopping me from obtaining credit. This is stopping me from performing my day-to-day needs with my credit. Ive been paying off the debt without knowing where it came from.
Consumer complaint received 2024-09-23
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: CLGF Holdco 1, LLC (CA)

I paid off my credit card on XXXX XXXX of XXXX, on XX/XX/2024 a hacker was able to get my card number and max my card out. I noticed the charges the evening of XX/XX/2024 and call the credit card company Concora about my Milestone Mastercard and no one was available to talk to so I froze the card through the automated system. The following morning on XX/XX/2024 I called Concora to report my findings and they told me they would investigate and follow up by mail within XXXX XXXX. XXXX XXXX later only XXXX charge has been reversed and XXXX XXXXeing prompted to make a payment on XX/XX/XXXX for charges that I did not authorize. I called Concora again today and they say there is no active investigation and they can start a new investigation which will take XXXXXXXX XXXX. This is unacceptable, my credit score has decreased due to having a maxed out card all with fraudulent charges that I did not charge. When these charges were pending, they easily could have disputed and reversed them. Why am o still waiting for action to be taken XXXX XXXX later.
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (GA)

I was preapproved for a credit card from Wells Fargo and when I applied they stated that I was denied! Well why did they say I was pre-approved. I mad an appointment and the woman that I was supposed to see didn't come to work that day/ I went into the Bank and no show for the Wells Fargo Customer Service Agent! According to what I know and saw the place had me go into the Branch and no one seemed to have the time to work with me. Customer Service has gone to the Trash!
Consumer complaint received 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

On XX/XX/XXXXXXXX  I received a letter informing me my Discover Card which I had since XXXX has been closed. I have never been late or had any issue regarding this card. The letter asks me to call if I disagree with the letter closing my account. I called and the agent claimed since the account is closed, she is unable to see the date the card was lasr used. I was transferred to a manager who claimed a letter was mailed to me in XX/XX/XXXX to advise me the account will be closed unless I use it by a specific dare. 
I have never received that letter, otherwise I wont be dealing with trying to have this XXXX XXXX XXXX account reactivated. We are in XXXX and Discover could have emailed or sent mea text of the potential problem. My address, phone number and email address havent changed in many years. 
This action by Discover is unfair and negatively affect my credit rating as a result of closing an old account ( 11 years ) without fair notice. 

I request reactivating my account and that Discover stop this harmful behavior.
Consumer complaint received 2023-09-04
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. (LA)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # : 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.

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # : 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. 


In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # : 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. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX Account # : 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. 


In accordance with the Fair Credit Reporting act XXXX XXXX CHILD SUP Account # 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 In accordance with the Fair Credit Reporting act XXXX  XXXX XXXXXXXX XXXX Account # 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
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # : 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.

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # : 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. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # : 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. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX Account # : 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. 


In accordance with the Fair Credit Reporting act XXXX XXXX CHILD SUP Account # 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 In accordance with the Fair Credit Reporting act Convergent XXXX XXXX XXXX Account # 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
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof for the creditor bank account that I didnt pay and was marked late because this is clearly a billing error.
Consumer complaint received 2024-04-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Sunbit, Inc. (GA)

This letter is to inform you of services that were performed on my XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX, Ga performed a XXXXXXXX XXXX on my XXXX without my consent. However, I agreed to pay for services, in which XXXX XXXX informed me I could make monthly payments to XXXX XXXX until the balance was paid in full. Later, I went to Florida for vacation driving my XXXX ; however, on my return to Georgia the transmission fluid leaked out, the gears locked, not allowing me to shift gears and I ended up stranded in the middle of a busy XXXX XXXX in XXXX, Georgia. Ultimately, this resulted in the transmission being blown and requiring a new transmission in the XXXX. XXXX XXXX XXXX attempted to help me; but was unable to assist. I had to pay {$820.00} to have my XXXX towed from XXXX, GA to XXXX XXXXXXXX XXXX in XXXX, Ga. It should be noted, I was never informed by XXXX nor anyone at XXXX that I would have to pay Sunbit. 

I called XXXX on XX/XX/XXXX at XXXX XXXX to informed him of what happened with the XXXX. I was advised to have the XXXX towed to XXXX, Ga and they would look at it. Once, I was made aware that I would need to pay Sunbit the remaining balance, I informed XXXX, I dont know who that is. However, when my daughter and I spoke with a customer service representative ( XXXX XXXX XXXX at Sunbit ( while at XXXX XXXX ) she informed me they would require a letter from XXXX to cancel the loan. When, I attempted to have XXXX XXXX speak with the representative, he refused, declined, and hung the phone up on the representative. XXXX XXXX informed me they were partners with Sunbit, and they do not provide cancellation letters. Per XXXX XXXX, XXXX is aware they are supposed to send a letter for them to cancel the loan. 

XXXX XXXX XXXX XXXX XXXX, spoke with me, I explained what happened, my dissatisfaction with the services I received, them not taking responsibility for what happened to my XXXX and their refusal to send a cancellation letter. XXXX XXXX deducted {$200.00} off my bill and stated, I would never touch the transmission because its too old, high mileage and the mechanic knows not to work on a vehicle without explaining things to the customer. It should be noted that XXXX XXXX were unable to find the receipt that I signed giving permission to flush the transmission. I paid my remaining balance with XXXX XXXX. However, since this incident, I have been harassed by Sunbit for a loan that I did not agree too, and I do not have a working vehicle to get back and forth to work. Thank you in advance for investigating this matter.
Consumer complaint received 2023-05-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear CFPB, I am writing to formally file a complaint regarding the handling of my credit report by XXXX, XXXX and Transunion. Despite my efforts to correct inaccuracies related to my address and name, the credit bureau has failed to update their records accurately. 

I have previously disputed the incorrect information related to my old address and name. I submitted all necessary documentation, including my current identification with the correct address and name. However, the credit bureau has incorrectly updated their records as accurate, disregarding the evidence provided. 

This has caused significant inconvenience and potential impact on my credit profile. I request your assistance in resolving this issue and ensuring that my credit report reflects my accurate and current information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XX/XX/1968 ; XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00}.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (IL)

On XX/XX/2023 I noticed two addresses on my credit report that were not mine. 
On XX/XX/2023 I noticed two credit card accounts on my credit report that were not mine. 

I do not have friends or family at either of these addresses, nor have I ever lived outside of Illinois. 

I have no idea who the companies are that own the credit lines, so I have not made an attempt to contact them. 

I did contact XXXX and filed a dispute with them for the addresses. 
I will contact XXXX on XX/XX/2023 to file a dispute with them for the credit card accounts.
Consumer complaint received 2023-04-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I sent you a letter last XX/XX/ 2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2023-04-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc (OH)

In XX/XX/2022, I placed an order through Affirm, for XXXX XXXX  in the amount of {$3900.00}. 

In XXXX of 2022, I received notice from XXXX that my order was cancelled, due to a dispute with the warehouse and that they would NOT be refunding my money and that I should file a dispute with my bank, which I did, as instructed. 

I never received the furniture. XXXX XXXX  has ceased communication with me and have XXXX my account on their website. I filed a complaint with the XXXX  without resolution, as XXXX never responded. 

I will not pay for items I never received, Affirm should contact XXXX for their money, as they did not fulfill their contractual agreement to deliver goods on receipt of funds and refuse to acknowledge their debt to Affirm or me.
Consumer complaint received 2023-02-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I was sent a credit alert on XX/XX/, stating that there were XXXX inquiries on my account, XXXX from XXXX and XXXX from Bank of America that I did not authorize. I immediately called XXXX and they walked me through what I needed to do. They reccomended that I filed a complaint with you also. I also froze my credit reports.
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Synovus Bank (LA)

I applied for First Progress Secured MASTERCARD/ Synovis Bank on XX/XX/2023. Paid {$200.00} security deposit which which was debited from and posted to my checking account on XX/XX/2023. The card never arrived. There is no email address to contact First Progress/ Synovus Bank . The phone number asks for the credit card number but that is impossible since Ive never been issued a card. They just took my money. Please help me!!
Consumer complaint received 2022-10-26
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: EQUIFAX, INC. (PA)

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. 

XXXX XXXX XXXX : # XXXX XXXX  XXXX XXXX XXXX XXXX : # XXXX XXXX : # XXXX The XXXX XXXX XXXX : # 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 2024-04-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Post Lake Lending Inc. (CA)

Post Lake lending. On XX/XX/XXXX I initially agreed to terms On line which meant I was not able to include XXXX. The loan amount was {$650.00}. Once I understood they were taking payments bi weekly and I had already exceeded the loan amount by {$130.00}. I called the company. ( XXXX ) XXXX on XX/XX/XXXX and I asked the representative for the loan balance. She initially told me it was over {$700.00} and explained how the percentage was VERY HIGH. I told her I did not agreed to go into debt repaying a {$650.00} loan. She said she could accept {$500.00} instead. I have repaid {$1300.00} within less then XXXX weeks! This is not fair and ethical lending practice. To my understanding they use on line loan agreements to justify unethical lending practice.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: VYSTAR CREDIT UNION (FL)

Vystar Credit union claims they charged off a debt of {$140.00} for an account that was not mine yet they report it as a bad debt against me. The account XXXX was my father 's checking account, not mine. 
Vystar closed the account immediately once he was deceased without notifying anyone. Apparently this caused overdrafts for auto payments totaling {$140.00}, but rather than alerting anyone in our family they instead reported it to the credit bureau. Had they attempted to resolve with my father 's estate, it would have been paid promptly. Once my brother ( the executor of my father 's will ) discovered that this amount was overdraft from seeing it on his and my credit report, he went to Vystar and paid it in full. We have a receipt for this which we have produced multiple times to XXXX and to the credit bureau to no avail. I have tried multiple times to get Vystar to remove this bad report because : XXXX. They didn't have to charge off the {$140.00} ( it was paid ) XXXX. It was my father 's bank account NOT mine