davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-30
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (TX)

I have applied for a refinance with my existing mortgage company. I was approved initially and have been waiting for approximately a month for the final closing. Freedom Mortgage has failed to communicate in any effective manner during this time and finally I called them only to find out my refi was denied for a late payment. Previously my mortgage was handled by XXXX XXXX at which time there has been issues with payments not properly being applied and transferred when the mortgage was sold to Freedom Mortgage. When I discovered this I began working with Freedom Mortgage to address and investigate where the payments went wrong. I provided proof and bank statements showing that I did indeed make all payments on time each month. I was put in forbearance to avoid any negative impacts and give me time to investigate/correct the errors. I have brought my mortgage current while in forbearance and applied for the refinance. I am not being denied with no communication or explanation. The loan officer assigned has refused my call as has his management. I have NEVER been late or missed a payment. I wasted a month trying to refinance with a company that clearly does not care about its customers.
Consumer complaint received 2022-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent my letter to the credit bureau on ( XX/XX/2022 ). I told the credit bureau to investigate every piece of information on the accounts I have listed below. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX Account Number : XXXX According to the FRCA THE TERM Investigation consumer report means a consumer report or portion thereof in which information on a consumers character. General reputation, Personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer report on or with others with whom he is acquainted or who may have knowledge concerning any such item of information. 

They state my account was verified behind the possible, if they didnt do the proper investigation according to the law. Also I have a piece of information on these accounts are still not report on 100 % accurate. And According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I also have the credit report.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion continues to report information on my credit report that does not belong to me. My report number is XXXX. 

The bankruptcy filing listed is not mine. I will need proof that is does not belong to someone with a same/similar name or the signed papers since I am not a party to this. 
I am asking for the method of verification under FCRA Section 611 ( a ) ( 7 ). The federal Fair Credit Reporting Act states that I may request a description of how TransUnion verified the information, including the business name and address contacted and the telephone number if reasonably available. 
Additionally, XXXX is reporting a trade line when I have never had a credit account with them. It shows as {$0.00} limit to begin with on the report. XXXX has refused to send me verification of this debt on numerous occasions as well as to regulators ( a copy of which is attached ) I intend to sue for willful non-compliance under FCRA 616 if this dispute is not researched and the requested documentation furnished. 

I am requesting that these XXXX entries be investigated and removed. 

Thank you.
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (SC)

I am filing a complaint today with WellsFargo because weve had up to {$33000.00} in fraud committed on our accounts. WellsFargo has refused and denied our claims even though they hold a zero tolerance zero liability policy against any fraudulent charges. We gave them all the transaction IDs, ATM IDs, and any other information possible where these charges and this fraud was committed. We filled out complaint after complaint any anything else we could provide to assist us in this matter. We followed every step that WellsFargo told us we needed to do, yet WellsFargo still denies our claim. This has caused the last 10 years of work that my family and I have put forth to build our business to completely collapse. This is obvious fraud to anybody, even the newest investigator could see that this is fraud. A man stood at the same ATM machine over and over and over again withdrawing the maximum amount and WellsFargo never once flagged them. WellsFargo flags my family and I every time we go to the same grocery store every month to buy food for our family, and we have to stop what were doing, call them tell them that its not fraud so that we can continue our purchases. Yet somehow a stranger stands at the ATM machine over 40 times and they dont flag him one time. Weve provided the name of the suspect to them, weve pressed charges and have provided a case number, weve given WellsFargo the transaction ID numbers, we gave them the ATM identification numbers, and any other information that we felt would help them come to a conclusion that this was fraud. They are refusing to help us and we dont know what else to do. We just want to be protected by the bank that we trust with our finances so we can be assured that our family can eat.
Consumer complaint received 2023-09-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CO)

I received an American Express gift card with {$100.00} on it as a birthday gift. Over the past month I have tried to use the card at a multitude of different online stores, gas pumps, adding to mobile pay, etc. just trying to spend the money I was gifted. Each transaction has been declined by Amex. Their reasoning I was told over the phone was increased security and to protect the card user. I clearly can not use the card anywhere. XXXX and XXXX have never had issues with my payments until using this card. The marketing of the gift card being accepted anywhere Amex can be used is very misleading and untrue.
Consumer complaint received 2023-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Ive tried to reach out to cabelas club card financed through capital one bank. The interest is 28 % variable. I've tried to talk to them about lowering my interest. They said they cant do anything about it. Customer service has also said there is no one i can talk to about it. please help!
Consumer complaint received 2023-11-09
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. (AL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-01-24
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. (MO)

During XXXX and XX/XX/2022, partially known individuals hacked our credit reporting agency account and commenced to apply for numerous ( 9 ) credit cards and loan applications before we were aware of the hacking into our credit reporting account.

We notified the 3 or 4 credit reporting agencies and placed a freeze on our credit reporting account. We interviewed with our local police officials and reported the situation. Police officials informed us that no police report would be prepared until a cash loss had occurred.

The same individuals hacking our credit reporting account requested a US mailing address be changed to their address. We contacted our local postal inspector and received a freeze on our mailing address, which could not be changed except by my wife or me.
Consumer complaint received 2023-07-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A. (MN)

On Thursday XX/XX/XXXX I went with the Buyer of my XXXX XXXX XXXX to the PNC Bank Branch ; XXXX XXXX XXXX XXXX, XXXX, MN XXXX. The buyer of my car provided a Cashiers Check made payable to PNC Bank as instructed by PNC Bank. The branch Manager set up there ATM Teller and proceeded to take the cashiers check and applied it to my loan ending XXXX. The amount due for the payoff was {$8200.00} the check was for {$18000.00}. I was assured by the Branch Manager and the Teller the remaining balance of {$10000.00} would be mailed to my address on file as soon as the check was confirmed and the loan was paid off. On XX/XX/XXXX my account showed the loan was paid in full. The cashiers check that passed through the Federal Reserve was confirmed on XX/XX/XXXX. I should have received the overage check by XX/XX/XXXX, no later. It is now XX/XX/XXXX. Both my Father and I have contacted PNC Bank numerous times to resolve this issue. They are telling us there is nothing they can do as the Loan is now paid off. I need your help they have stolen {$10000.00} from me. This is causing me irreparable harm as I am short funds that I needed from this transaction. I have contact an attorney which stated that Federal regulations require banks to make funds deposited in an account by cashier 's, certified, or teller 's checks available for withdrawal not later than the business day after the banking day on which the deposit takes place. He is willing to take on my case but it may cost me more than {$1000.00}. Can you please help me with PNC Bank?
Consumer complaint received 2021-01-03
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. (GA)

XXXX & Equifax way to go on not doing what the law requires. XXXX - How dare you insult me! What is it about my previous complaint that would make you think I am not intelligent enough to have written it when it's my truth!! I'll tell you what else is the truth. I went through the statements and found proof that not only am I making the monthly payments so the late history is inaccurate and CLEARLY not verified! But the balance is also wrong. The date of the last payment is wrong! So if you want to ignore me or make me jump through hoops maybe I should turn the FULL payment history, the multiple letters to the bureau and the creditor, the CFPB complaint, and the monthly statements over to a consumer attorney and to see if I have a lawsuit! I'm paying XXXX XXXX and they are NOT in compliance with FCRA reporting and your bureau did a half-assed job on looking into this. All I want is this corrected IMMEDIATELY!!
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (IN)

I paid off an automobile loan in XX/XX/2023 and it is still on my credit report. I have called them numerous times and every time they would say they would take care of it and it should be off in about 5 days. Today they told me they dont do that. I have to contact them myself. I have the receipts and a letter saying its paid off but still on my credit report. Still affecting my XXXX XXXX and causing me to delay getting a house.
Consumer complaint received 2022-12-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (SC)

Im in the process of getting my student loans forgiven ( PSLF ) through Mohela. During this process I noticed a five-year gap XXXX. When I inquired about this to Mohela reps I was told that since I filed for bankruptcy in 2012, those payments would not count toward forgiveness even though I continued to make payments during that five-year period. At the time of the bankruptcy filing, I was told that student loans could not be included and that I was still required to make regular payments which I did. It seems that the Department of Education automatically coded my student loans as XXXX and did not notify me that they had done so. All of the payments that I made ( around 60 months ) just disappeared when it comes to the Department of Educations loan forgiveness program.
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CO)

Summary : {$3000.00} were withdrawn from my Wells Fargo checking account without my knowledge between XX/XX/2023 and XX/XX/2023. 

Details : On XX/XX/2023, I received 2 email messages from Wells Fargo bank saying that my balance on my checking account has reached XXXX dollars. Upon calling them that day, I found out that there had been XXXX withdrawals from my checking account totalling {$3000.00}. I have not made these withdrawals, nor was I aware that they were made. My Wells Fargo debit card has been in my possession through this time. 

I called the bank. The customer representative to whom I spoke opened a claim for me. Over the course of the following XXXX weeks, I received several email messages from Wells Fargo with the Subject Line 'We 're processing your inquiry, '' but that had no content in the body of the email messages. 

On Friday, XX/XX/XXXX, I visited the Wells Fargo branch on XXXX XXXX in XXXX and spoke with a banker, XXXX XXXX. I told him I have not heard back regarding my missing money He said he would escalate my claim. 

On Sunday, XX/XX/XXXX, I received an email from Wells Fargo saying " Thank you for sharing your concerns with us. We know this needs our attention, and were looking into it for you. Well respond within XXXX business days from the date you contacted us. If we need more time to research and respond to you, well let you know. 

On Thursday, XX/XX/XXXX, I received an email from Wells Fargo saying I had a " New XXXX secure email message from Wells Fargo. '' Upon following their instructions, I read the secure message, which said my claim has been denied. The missing money has not been returned to my checking account.
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: EQUIFAX, INC. (PA)

I am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX is fraudulent. 

A list of inquires has been added to FTC Identity report attached to this Applications ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Correction to my credit report. I demand the account be remove from my credit.
Consumer complaint received 2023-06-08
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. (FL)

Hello, I am trying to dispute my account with XXXX XXXX XXXX, and have not been resolved. This account has been closed and was taken care of. There are also XXXX inquiries on my report that I do not recognize and they must be fraudulent. According to the Fair Credit Reporting Act, unverified and unauthorized items must be removed. Below are the dates of the inquiries that need to be removed and the other account on file. Please remove it asap. Thank you. 

Inquiries : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX As you can see- they have it on there twice. 

XXXX  XXXX XXXX XXXX XX/XX/XXXX - $ XXXX Credit card this was resolved and closed!
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over XXXX  days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-11-09
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am a victim of identity theft. XXXX XXXX  Account # XXXX is fraudulent. 

A list of inquires has been added to FTC Identity report attached to this Applications ; Ally Finacial XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Correction to my credit report. I demand the account be remove from my credit.
Consumer complaint received 2023-11-09
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)

I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-06-08
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: CBC Companies, Inc. (VA)

I am writing you to inform you that XXXX XXXX, any other credit agency reporting reporting a bankruptcy on my client 's credit report and they have put in the data furnished as being the us bankruptcy Court of Virginia which is false I have attached a letter from the u.s bankruptcy court of Virginia verifying and stating that they do not furnish information over to the credit bureaus or any um credit monitoring service nor do they verify or validate any information concerning bankruptcies XXXX XXXX is falsely stating this information on credit report. I also did not give them any information or permission. In accordance with the fair credit reporting act Account # has violated my rights 15 U.S.C. 1681 section 602 A states I have a right to privacy. 15 U.S.C. 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CO)

Dear Gentle Person, I have two mastercards with XXXX XXXX -- I mailed in my payment with the correct payment stub the account I closed and the bank 5 days ago credited the wrong account -- I wrote to the President as the customer service folks stated it could take up to 30 days to fix -- which would leave my account that was suppose to be paid with a late payment unacceptable. 

Please assist in following up with XXXX XXXX to complete their job and correct their error. The Mastercard they paid is wrong -- they have been notified. 

my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX They also reported the wrong balance to every reporting credit bureau and showed me over limit whem I was not affecting my credit score -- they said they corrected however did not -- they still showed me over and I was not. 

Thank you
Consumer complaint received 2022-10-25
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. (NY)

I am, XXXX XXXX, submitting this complaint against Experian XXXX XXXX XXXX XXXX and there is no third party involved. As of XXXX, XX/XX/XXXX at XXXX XXXX  EST your company is entering a binding contract ( Attached below ). Also, your company is hereby to delete these accounts below as of now. If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated Identity theft. Delete & purge these accounts below : XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/ XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX DEPT OF EDXXXX DEPT OF EDXXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Delete & Purge all Late payments for these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete and purge all Hard inquiries , & all Late payments. You are hereby Given permission to report NO MORE than 30 % utilization percentage at any time. Should your reporting agency exceed more than that utilization from the aforementioned amount you shall be subject to the fees stated in binding contract & above
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Hello, my name is XXXX XXXX. Upon checking my credit report, I noticed some personal information that does not belong to me. I have already sent a letter addressing this issue. However, to this day, which is over 30 days later, I have not received a response. I feel like I'm being neglected and taken advantage of. According to Section 611 ( a ), the failure to investigate these items within 30 days provides a reason to promptly remove them from my credit report.