davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (DE)

Well fargo has refused to pay me my account balance on 3 different occasions. I went in for a refund after my closed account and was refused a refund after being told to come in for one. I am livid and living in my car. That money is my only way to keep my car. I have been living in my car since the pandemic. I have a weekly payment set for Friday. I need that money today! Please help me so that I can get on my feet.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (IL)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, IL XXXX Complaint : Credit Denial reason Under legal age to a XXXX man with credit score of XXXX. 

This complaint is for getting denied credit to purchase golf clubs on a 18 month no interest loan from Synchrony Bank, located at XXXX. XXXX XXXX in XXXX Florida XXXX through XXXX XXXX in XXXX Illinois. Denial letter dated XX/XX/XXXX. 

On Friday XX/XX/XXXX, I had a club fitting with XXXX XXXX from XXXX XXXX at XXXX XXXX in XXXX Illinois located at XXXX XXXX XXXX in XXXX, Illinois XXXX. I determined I wanted to purchase some golf clubs and they offered an 18 month no interest loan so I completed their form which requested my social security number, income and other personal information. I was denied, no questions, no answers, just denied, so I ended up putting the entire amount on my credit card which I did not what to do. I am a XXXX man with stella credit, little to no debt with a credit score of XXXX and I was denied credit. The XXXX XXXX representative explained I was denied and he knew no reason why but that I would receive a follow-up letter in the 10 days explaining the reason. 

Today Monday XX/XX/XXXX I received that letter, and much to my surprise the reason for denial was and I quote from the letter Under legal age since when is a XXXX man under the legal age. 

Obviously, your company : Consumer Financial Protection Bureau at XXXX XXXX XXXX XXXX, in Washington DC XXXX, could never have run my Social Security number because if you did you would know that I am well above the legal and that I do have excellent credit. Your company caused me to put nearly XXXX on my credit card that I really did not want to do. I should have walked out of XXXX XXXX when I was denied. 
I would like to know how this happened, why it happened and what you are going to do to clear my good name with XXXX XXXX? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2021-05-11
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. (MD)

Hello I accessed my credit report today and noticed a hard inquiry from XXXX XXXX XXXX in XXXX, GA ( XXXX XXXX XXXX XXXX  / XXXX ) on XX/XX/XXXX. 

Also there is one from XX/XX/XXXX from XXXX XXXX XXXX  XXXX  ( XXXX  ) I currently have a finance loan with XXXX XXXX and never inquired with either company for one. There would be no reason as my car is almost paid off. 

Their contact number XXXX is not for XXXX XXXX XXXX. Their correct number is XXXX XXXX XXXX XXXX per XXXX. 

Also there is no contact information for the XXXX. 

I don't know how much this affects my credit however wanted to put this information on file. 

Thank You
Consumer complaint received 2021-05-10
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: EQUIFAX, INC. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$12000.00}, {$28000.00}, {$2600.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

-- AUTO ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The account and monthly amount of {$390.00} was paid in full and on time. In addition to this it has been paid in full and satisfied in a timely manner. Much Appreciated!
Consumer complaint received 2016-01-31
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CITIBANK, N.A. (AZ)

I was informed on XXXX/XXXX/XXXX that I had been sued and that my wages were being garnished. I was advised that a debt from XXXX was purchased by the company XXXX XXXX. I was never served or notified that I was being sued in court. As a result of this I have to quit my job because I do not have sufficient funds to support me and my family and fuel my vehicle to get to work. These people purchased the debt after being written off from the original credit card company and doubled the amount claiming interested. A {$12000.00} debt has now become a {$58000.00} debt because this company has added an outrageous amount of interest, and fees.
Consumer complaint received 2021-05-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (GA)

XXXX : Notice of Intent to Sue Dear Santander Consumer USA, This letter is to inform you that I have a claim against you On XX/XX/2021, for the contract where information was not disclosed on my contract within the XXXX XXXX, and you have several violations. Therefore I am sending you this letter and I am serving you and giving you the opportunity to settle out of court. 

The Right of Rescission, Pursuant 15 USC 1635, 15 usc 1605, 15 usc 1611, 15 usc 1640, for actual damages you have caused, also 15 usc 1602 ( f ) ( g ) ( I ) ( L ) The claim has not been resolved and unless it is resolved within 15 calendar days from the date of this notice, I intend to bring suit against XXXX Santander Consumer USA XXXX for XXXX damages or specify relief ). Report a positive balance this month and every month after to the credit bureaus for the accounts to reflect in a positive standing currently after my title is given to me free and clear of any liens. Please send the title and total invoice amount to the address listed. I am seeking compensation for the damages. To resolve the dispute or claim, I am willing to settle this out of court with the following. ( settlement offer listed above ). This offer is good until 30 calendar days. Unless resolved in accordance with the terms of this letter, you will be served with my XXXX XXXX. 


Your attention is appreciated. 

XXXX XXXX
Consumer complaint received 2024-03-26
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: EQUIFAX, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-03-26
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: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-05-11
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$0.00}, {$0.00}, {$230.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX  XXXX  with ACCT # XXXX  opened onXX/XX/XXXX with a balance of {$1700.00} -This is not my account.

2. XXXX  XXXX  XXXX  with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

3. XXXX/XXXX  with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- OTHER ACCOUNT 4. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$230.00} -This is not my account.
Consumer complaint received 2021-05-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (CA)

I opened a consumer account with Gemini Trust Company , LLC using their XXXX  App on XX/XX/XXXX under my personal email account XXXX. My account was verified by them on the same day of XX/XX/XXXX. I made my first transaction to purchase the cryptocurrency XXXX on XX/XX/XXXX, in the amount of {$480.00} charged to my credit card. On XX/XX/XXXX I tried to access my account through the app and was prompted to verify my identification again. I have not had access to my account or my funds since XX/XX/XXXX. I resubmitted my California driver 's license as requested for review. I followed up with numerous emails to their customer support through their website ; https : XXXX as well as by email on XX/XX/XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. I received an email reply on XX/XX/XXXX as follows : Hi there, Thanks for reaching out and apologies for the delay in response. 

The recent surge in interest in cryptocurrency has resulted in a backlog of support requests to our team. This has impacted our verification and support queries, which we are working diligently to resolve as quickly and effectively as possible. 

In an effort to help self service your inquiry, we have been actively updating our Help Center ( XXXX XXXX XXXX ) with answers to common questions about our platform and services. 

However, if your support case has not been resolved and you still require assistance, please follow up to this automated email by replying directly to this email and an expert will be back to you as soon as possible. 

Once again, thank you for your patience and understanding. 

XXXX and XXXX, XXXX XXXX was given a trouble ticket # XXXX. My ticket has still not been resolved and I do not have access to my funds as of XX/XX/XXXX.
Consumer complaint received 2022-11-01
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: Experian Information Solutions Inc. (NY)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX
Consumer complaint received 2021-05-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (CT)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : DISCOVER FINANCIAL SER XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX, XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXXXXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (FL)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have not received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item ( s ) on my credit report. I have not received verification in the 30 day period. I sent in my dispute on XX/XX/XXXX XXXX. Today is XX/XX/2021. I still haven't received verification of the items on my credit report. Under the FCRA 611. It states that all items I disputed must be removed if I haven't received a response in 30 days.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request complete removal of the disputed items.

My credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I will seek legal counsel if I dont get these items to remove from my credit score. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully,
Consumer complaint received 2021-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I was charged the late fee and the interest in XXXX by Bank of America, I called them to waive that for my first-time violation, but they refused. I feel very sorry and innocent for that, because I had a very good credit record before. 

I think that The Bank of America also had responsibility for that because I used to receive the bank statement in the mail before, so I could read and remind myself to return, but I haven't received that for some times, I am not sure if BOA switched from a paper statement to electronic statement in order to save the cost. 

Normally, the bank will give people at least one chance to recovery, this is my first time of late, I don't know why they refuse to waive the charge. 

Please help me to communicate with the bank to compensate for the loss. 

Thank you
Consumer complaint received 2021-05-10
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: COMMERCE BANK (CO)

My wife and I have had a vehicle loan with Commerce Bank since 2017. For the past two-and-a-half years, since we moved addresses, we have not received any monthly statement. We continue to pay our loan through their online portal. But their online portal does not have any way to access any sort of statement, it just takes money. As a result, we can't be sure exactly when our payments are due, what the exact amount due each month is, or how much is left on our loan. We are essentially guessing on due dates and amounts based off the few statements we received at the beginning of the loan. We have called Commerce Bank roughly 8 times trying to get them to send us a statement. Each time we give them updated address information and each time they still have our old address. They continue to fail to send us any statement. 
I am concerned this will eventually affect our credit. I am more concerned that Commerce Bank is doing something shady or illegal regarding our loan because, at this point, we have no way to tell what is happening with our loan and our payments.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am currently sitting in front of a banker that states I do not qualify for a free checking account because XXXX ranks my Credit score at XXXX. These actions against me are retaliatory and discriminatory. How is it other venues have my scores at XXXX additionally I just paid down my debts. A creditor removed a collection item 3 weeks ago sent it to the credit bureaus. XXXX still has it own there and lowered my FICO after getting notice my credit card bill was paid down. This is a common practice for them to do this. When an invalid debt is to be removed the either remove without notification and no increase in the score or lower the credit score then remove the negative item so the credit score never fully receives the increase it should. All one needs to do to verify this is look at the items I have disputed since XXXX where the creditor removed the invalid negative item and XXXX  and XXXX  specifically delayed the removal and never applied the proper score increase. XXXX  has hard inquiries on my credit and Ive not had any request for credit from XXXX XXXX XXXX lowered my credit limit in XX/XX/XXXX stating they received information from the credit bureaus. Nothing had changed on my credit. Both XXXX and XXXX reported me late 2 in XX/XX/XXXX for XXXX XXXX. Per XXXX XXXX they did not send anything to the credit bureaus because I was not late.