davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I received a letter from Transunion Credit Bureau stating they could not investigate what time was given to them from This Company. CFPB. Stating that they need additional 30 days. Consumer Financial Protection Bureau states time given. They are in Violation of you and Myself I filed the Claim with you against XXXX XXXX and XXXX XXXX on XXXX XXXX. These accounts need to be removed from my Credit Report. Transunion is not following the Law of FCRA
Consumer complaint received 2024-06-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/year>, I, XXXX XXXX, wired XXXX $ ( FROM XXXX XXXX XXXX XXXX CHECKING XXXX ) to my friend XXXX XXXX XXXX, which has the following Checking Bank Account Number ( XXXX ) at Wells Fargo XXXX and it should have been received In her account by XX/XX/XXXX, the receiving bank never added the money to XXXX XXXX XXXX account. 

Upon further inquiry on her side, she was told nothing was sent or pending. On XX/XX/XXXX, i contacted XXXX XXXXXXXX XXXX, and was told that the wire was on hold pending a security questionnaire ( which the recipient was never notified about ), and so i immediately told my bank to recall the wire transfer on XXXX of XXXX, and since then Wells Fargo has not released the funds to the recipient, nor did they notify the recipient in any way, and on XX/XX/XXXX XXXX XXXX XXXX informed me that they have not gotten a response from Wells Fargo on the matter. 

The wire transfer confirmation number is XXXX And, this matter is highly inappropriate, not only did they not release the funds, but they did not notify the recipient.
Consumer complaint received 2023-05-25
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. (WA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2022-09-30
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Opened XXXX XX/XX/XXXX Balance : {$8500.00}
Consumer complaint received 2023-07-12
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: EQUIFAX, INC. (MO)

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 2021-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP (CA)

This company has been reporting that I have a XXXX $ debt for 8 years on my credit report. I have told them thus is not my debt. They have no concern for laws or rules. They keep adding to this debt that is not mine and more importantly they keep reporting this debt to the 3 major credit reporting agencies.
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NV)

I received the {$41000.00} check from the United States Department of the Treasury. Government checks are to be made payable upon demand and are insured by the United States government. XXXX XXXX  received the check and Cashed it and deposited the funds into the account, But said the funds would not be available for 5 days. The online system showed the funds available the very next day as is the law, I didn't notice it until 2 days later, and at that point, XXXX XXXX  placed a hold on the funds without providing any notification, any warning, any explanation. 

I complained to XXXX XXXX, they contacted the US treasury, told them they believe that the transaction was fraudulent, based on no evidence, based on no information, only based on the fact that I complained! These intelligent creatures in retaliation that this and attempted to cause me great distress. This was a business account that these funds were being deposited into, dealing with a trust, they are liable for the total amount plus damages, at the very least and they have not made any compensation. 

Because of the complaints made to U.S. Bank they decided that they were going to terminate both accounts, the personal account and a business account, these are 2 separate accounts, they terminated him at the exact same time, when the only issue was with the business account. They violated their own policy, which incorporates an arbitration agreement for any and all disputes!

The law that allows financial institutions such as, U.S. Bank, to be the custodian over accounts, does not give them the right and/or the authority to shut down account simply because, even if it is within the contract, because it operates as an unconscionable clause! The first amendment to the Constitution for the United States of America guarantees every person in the borders of the United States and within their territories, the right to petition for a redress of grievances, which means that there must be an appeal process! This is primarily the reason for the creation of the administrative procedures act, which requires all corporations and agencies and/or departments of government to have an administrative procedure for processing appeals. Shutting down account, simply because, for any reason whatsoever, without the right to an appeal, is a violation of the administrative procedures act for which U.S. Bank is bound and party thereto! 

This violation only violates constitutionally secured rights but also administrative procedures, and is therefore unlawful. They are liable for the full {$41000.00}, plus the {$10000.00} worth of legal expenses, reestablishing of both accounts, And a formal apology which is unconditional!
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I recently submitted a dispute on XX/XX/2024 to Experian and they failed to comply with the law, 15 USC 1681 ( a ) ( 1 ) ( A ) and remove the two accounts from my consumer report, upon receipt. They only removed one out of my three disputes containing my request. My dispute was that I invoke my rights under 15 USC 1681i ( a ) ( 1 ) ( A ) to dispute the accuracy of this account on my consumer report, and I demand its immediate removal upon receipt of this dispute, as mandated by the law. After putting Experian on notice about the dispute, I called to make them aware of the dispute and it was mandated by law to have remove. The representative stated it could not be removed. Despite the statutory mandate, Experian failed to promptly remove the inaccurately reported accounts from my consumer report upon receipt of my dispute, violating my rights under the mentioned law.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Systems International, Inc. (TX)

I contacted XXXX Monday XX/XX/XXXX about an address on my report that I never lived at.I was told that they couldn't delete the address because a creditor said I had a delinquent account from that address.I asked how was my information verified and she told me the law says they don't have to verify information anymore and I should file a police report and contact the creditor.
Consumer complaint received 2023-02-11
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: Upgrade, Inc. (CA)

I took out a personal loan from Up Grade, Inc. i paid it off 3 years early and closed account last year, yet they continue to falsely report i have a open account with a massive balance all FALSE AND FRAUD, today when i spoke to a service XXXX she admitted they are trained to mislead, delay, make false statements, as if customers like me pay off early the company loses % % % funds. 

She admitted they have been lying and filing false information to all the credit reporting agencies. I have complained to them several times and was told i need to file with your agency
Consumer complaint received 2024-05-31
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (CA)

XXXX XXXX XXXX XXXX Account # XXXX This letter is formal notice that you have failed to respond to my dispute letter of XXXX. I sent this letter certified mail and have enclosed a copy of the return receipt which says you received it. Federal law requires you to respond within 30 days. It has now been over that period since your receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. 

I have been maintaining detailed records of all my correspondence with you. You may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I'm sure you'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records. I was not given proper time to dispute the debt as well which is another violation of my consumer rights under 15 usc 1681 The following information therefore needs to be DELETED from the report as soon as possible : XXXX XXXX XXXX XXXX Account # XXXX Delete this erroneous item from my credit report as soon as possible. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.
Consumer complaint received 2023-07-12
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (KS)

Chase  mortgage is trying to foreclose on my house stating that I was behind on my payments. Which I wa s one or two pay ments behind but they are saying I was 6 months behind. I looked back through all my mortgage statements and I ca n't really make sense of them. I do n't believe they posted all the payments I made to my account and I have proof of payment plus I have proof from my bank they cashed the cashiers check they required me to send. On my year end  XXXX  statement Chase took the whole years worth of payments and instead of deducting my principal by that amount they added the amount I paid to the principal. I bought my house in  XXXX  and by the year  XXXX  after five years of payments I owed as much as I bought my house for. I need someone to please help me please.
Consumer complaint received 2015-07-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

I have tried for 4 times to request a loan modification with XXXX XXXX XXXX, XXXX XXXX and 2 times with Select Portfolio Servicing and have been unsuccessful since 2009. I 've tried to resolve this matter and I beg for you for a fresh start and a mortgage payment that is affordable so we can continue to live the american dream to own your own home. I feel that the Mortgage companies have discouraged me to continue to fight to resolve this matter and have been difficult to deal with because no resolution has ever become of the 4 attempts of my loan modification. I am now at my wits end and do n't know what else to do to save my house. Please help me to resolve this issue with a loan modification.
Consumer complaint received 2021-03-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I received letters that the bank is closing my accounts due to risk but did not receive letter for my account XXXX Why is this account open but all the other accounts to be closed due to risk??? 

Please investigate this further because it makes very little sense to me.
Consumer complaint received 2023-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MD)

Wayfair and CITI bank have issued a fraudulent credit card in my name. I do not know when but I was first notified of it by mail with a letter from Wayfair dated XX/XX/2022 asking me to confirm, by phone, the application for a credit card. To which I immediately responded, reported the fraud and identity theft and told them NOT to open any account in my name. I have never applied for such a card. It is a fraudulent application. I received a reference code # XXXX, from them but I do not know what that means. 

I never applied for a Wayfair and never received any product or services from them. I now receive monthly invoices for something I never authorized or accepted. Neither CITI Bank nor Wayfair will respond to my requests for all documentation involving this transaction which I am told that under the Fair Credit Reporting Act they are required to provide at no cost. They have reported this fraudulent transaction to the credit bureaus as belonging to me and have defamed my character and credit while harassing me with collection notices and invoices. I am working with XXXX to clear the fraudulent account from my record but Wayfair and Citi are demanding I pay the balance on the closed account. I have copies of multiple USPS certified return receipt requested letters that have been sent to both parties stipulating the fraud and identity theft but the collection harassment continues with them claiming I owe the balance regardless of the fact that I never had any account with Wayfair nor received any goods or services from them.
Consumer complaint received 2023-08-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SECURITY FINANCE CORP (GA)

in XX/XX/2022 I sent professional financial services a affidavit letter of recession for failed to disclosed they then stop my repairs that was going on with my car and sent letter stating the had repossessed it which was false I still had it once they figure that out they took me to court and the ruling was in they favor I also sent in coupon to pay for the car which they didn't send back or apply to the note .I also sent in affidavit to them about the securitization of the note and they then sent me a letter saying the car had been sole I sent them a package of every letter I have from them and that I sent to them stating all the fraudulent things they was doing they stop responding to me I also file a ucc1 because they took my trust property private property and then sold it according to them in the public without just paying me anything I have been sick and loss my baby so I'm just now carrying on with my processing with a lawsuit against them they never responded back so I guess they agree to all the fraud and conspiracy against them I also sent a fee schedule in to them from my trust telling them how much if they didn't responded its also way to many letter to upload but I have all the copies and so do they
Consumer complaint received 2023-05-25
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: EQUIFAX, INC. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
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: SANTANDER HOLDINGS USA, INC. (IL)

This is my formal complaint to SANTANDER CONSUMER USA for taking no action to correct and remove the fraudulent account that is still reflected on my credit report and continue to damage my reputation. I sent out communication letters and complaints to them several times, but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they would be reporting accurate information on my file but it seems they are not.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (NC)

I have been in contact with the alleged debt agency TransWorld Systems about a frivolous debt that has surfaced on my credit report. I have been in contact with the debt agency twice within last 90 days and no response or legible documents proven I owe this debt. They are robbing, badgering my credit with no explanation.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (CA)

I received my report from Early Warning system and there are 18 different accounts that I didnt open under my information. Some accounts have addresses from Alabama some accounts have an entirely different social security number but its tied to my drivers license. This is honestly so scary that an agency can damage your credit with inaccurate information without any consequences. The accounts in question are : XXXX ( XXXX this account is with an different SSN ) XXXX, all XXXX accounts XXXX account numbers : XXXX. This is actually ridiculous. I have attached all verification documents to prove my identity
Consumer complaint received 2023-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Consumer complaint received 2023-08-23
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST NATIONAL BANK OF OMAHA (NJ)

XXXX XXXX, which can be found at XXXX XXXX XXXX denied me an account with them. I asked them which checking reporting service they use, because I am entitled to a free checking report with them. They told me they can not provide this information. I believe I am entitled to this information. I was able to eventually get them to tell me that they do not use XXXX XXXX, but I was booted from the app before I was able to ask for their actual reporting vendor.