davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-17
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. (CO)

I have submitted multiple disputes and complaints, this company just lies and continues to report false, erroneous and inaccurate information on my credit report. This is damaging to my credit and preventing me from obtaining more credit. I need this negative account removed immediately.
Consumer complaint received 2021-09-16
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. (CA)

MY NAME IS XXXX XXXX AND I'VE BEEN TRYING TO GET INCORRECT LATE PAYMENTS REMOVED OFF OF MY CREDIT REPORT THAT ARE AFFECTING MY CREDIT PROFILE AND STOPPING ME FROM BEING ABLE TO PURCHASE A NEW HOME FOR MY FAMILY. I'VE REACHED OUT TO THE CREDIT BUREAUS BUT HAVE NOT BEEN ABLE TO GET THIS SITUATION HANDLED.
Consumer complaint received 2021-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/14, I attempted to withdraw XXXX from my checking account at the XXXX MD Wells Fargo and was denied. The bank kept me waiting there 45 mins and refused to disburse my money. Their stated reason was that the numbering was suspicious about the check I presented. Now I do almost all bill pay online and have been carrying around my last few remaining checks from when I opened my account for all these years. So to their point, the check was " old '' and had my former address on it. Despite providing several forms of ID, my debit card, my checkbook itself, and all intimate details of my direct deposit and mortgage amounts ( as identity verification ) they would not disburse my money. Because of this, I was 2 days late in paying for a service. Obviously this is unacceptable.
Consumer complaint received 2021-09-16
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. (CA)

MY NAME IS XXXX XXXX AND I'VE BEEN TRYING TO GET INCORRECT LATE PAYMENTS REMOVED OFF OF MY CREDIT REPORT THAT ARE AFFECTING MY CREDIT PROFILE AND STOPPING ME FROM BEING ABLE TO PURCHASE A NEW HOME FOR MY FAMILY. I'VE REACHED OUT TO THE CREDIT BUREAUS BUT HAVE NOT BEEN ABLE TO GET THIS SITUATION HANDLED.
Consumer complaint received 2021-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I was recentlyreviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. I have accounts that are reporting inaccurate and incomplete credit information on my Credit Report I'm also unable to get my XXXX report. I have multiple hard inquries from unknown sources as well. I have a current account with XXXX XXXX i don't owe them I don't know what the two accounts listed on XXXX are and its not on transunion. I have listed my current bill with XXXX XXXX in the documents. 
Multiple address and name spellings And unknown inquires on my report that I have never done business with them. 
I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. 
XXXX XXXX XXXX XXXX UNKNOWN ACCOUNT ) Inaccurate addresses XXXX XXXX XXXX XXXX, ny XXXX XXXX XXXX XXXX, ny XXXX XXXX XXXX XXXX, ny XXXX XXXX XXXX XXXX, va XXXX XXXX XXXX XXXX XXXX, ny XXXX XXXX XXXX XXXX, ny XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THERE ARE 44 HARD INQUIRIES ON MY REPORT SOI WILL LIST THEM IN THE DOCUMENTS ONLY
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FC HoldCo LLC (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2021-09-16
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: Home Loan Center, Inc. (GA)

Lending Tree, a fraudulent company runs credit reports on individuals without their knowledge. This has been happening a lot lately to me and Lending Tree is the main culprit. I guess they are the hub for other lenders. However, numerous institutions are showing up on my credit report for which I have not applied for a loan or anything else. 
This happened just recently about 2 weeks ago. I have tried to contact Lending Tree ; I called them numerous times ( XXXX ) XXXX and waited on the phone for over an hour. Each time the call would drop and was never able to reach anyone.
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (CA)

I noticed that my credit card account has been marked as closed despite paying it in full and having access to credit. 

The account has been inaccurately marked as " CLOSED ''. I would like to have it marked as " CURRENT '', as it should be because it is an open account.
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (SC)

We keep getting family members and relatives that are in different states and not in direct contact with us getting multiple calls asking for us but we have already called the company to ask they remove family members from any upcoming calls. Its escalated where they call our parents who are elderly and recovering from covid. I personally called to make a formal request for them to not contact this family member but they called via another phone line.
Consumer complaint received 2021-01-05
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (VA)

I have been working with Amerisave since XX/XX/XXXX on a VA Refinance cash out. They sent me a closing disclosure at the end of XXXX indicating that I needed to review before they could close. No movement on the loan occurred I contacted them and asked to speak with a Manager. They tell me they are waiting for underwriting. I contact them again in XXXX because they did a credit check and told me I had to review another closing disclosure. When I asked about the status. They tell me there has been no movement on the loan and they are still waiting on an underwriter. It is now XX/XX/XXXX. I have paid for an appraisal and termite inspection all with no movement on the loan but they keep checking my credit and my score is reduced each time. This reduces my options with getting a loan from another lender because they keep checking my credit with a hard inquiry but no movement. Also part of there process I was required to change my insurance over to them but they havent even given me a loan. I feel they are very deceptive in there lending practice. I am asking for assistance from this office
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I would like to place a formal complaint against Equifax for violating my FCRA rights and my privacy. They have placed a public record on my consumer report that should not be there : Public Record - XXXX XXXX XXXX - XXXX # XXXX. 
Equifax said they verified it but I reached out to the courts who verified that they do not report bankruptcies to the credit bureaus. I have attached the letter that I received from the court. They are in violation of my rights pursuant 15 usc 1681b under permissible purpose. They never validated nor verified anything with anyone at the courts. Equifax is violating multiple laws including : The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 681I ) and the information must be deleted immediately. The civil liability law which I will sue under is clearly here : 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Failure to Comply or delete this public record from my report is a clear violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Code 1681n - Civil liability for willful noncompliance ( a ) In general, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and these inaccurate items must be deleted from my consumer report. Please help me get this violation removed from my credit report. It is unverifiable. Please see also the attached dispute which also points out multiple inaccuracies.
Consumer complaint received 2024-02-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/XXXX I recieved a wire transfer from my lawyer via XXXX XXXX  to my savings account with NAVY FEDERAL which was a settlement from an auto accident. At or around XXXX XXXX the remaining funds from my settlement was frozen, I was able to see the funds in my account bu unable to access said funds. I went to the NAVY FEDERAL BRANCH XXXX XXXX XXXX, XXXX XXXX, TX XXXX and spoke to a banking rep, I was told that the funds were " ON HOLD '' for possible fraud, and the investigation would take up to XXXX  days to be completed, I was told once the investigation was complete then said funds would be released. XX/XX/XXXX the money was eradicated from my account completly, meaning I could no longer see the frozen funds on my account, I spoke the online banking rep who informed me that those funds were sent back to XXXX XXXX  and XXXX would have to re-distribute funds back to me via the original sender. 
I asked for a tracking number of the funds that was sent back, I recieved nothing. I contact my lawyer who arranged a meeting with XXXX XXXX  to have the funds re-distrubeted. XXXX is claiming that they never recieved the funds from NAVY FEDERAL. The money was never wired to Chase but left my account via an " adjustment '' I have made NUMEROUS CALLS to NAVY FEDERAL about this issue, I keep getting different stories, empty promises of call backs, The last information I have been supplied with as of XXXX that it is now under investigation ... ... ... .AGAIN I am a XXXX VETERAN and every XXXX that I have counts. Please Assist.
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I have an account with Bank of America, the account was saying it was still open until {$2.00} was paid. Well the IRS treasury department sent a {$600.00} payment to this account and they accepted it. Well when I went to take the money out they told me I couldn't because the account was pending to be closed. They didn't offer any information into finding out how I would get this money back or if it would be sent back to treasury or if it would be sent in a check. Every one gave me a different number and I was on hold each time for several hours and never spoke to the correct person. I went to yet another bank of america and they didn't offer any more help accept call customer service. I was given the run around. No one at all tried to get me to a supervisor or anyone that could tell me about getting my money.
Consumer complaint received 2017-05-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Kohn Law Firm S.C. (WI)

XXXX   XXXX   2017  I was threatened with contempt  by Kohn Law fi rm  XXXX     2017  I was served with a Garnishment and Demand for person al Information From Kohn Law f irm to My employer  XXXX   XXXX  Kohn Law firm Is attempting to force my employer to Pay my Debt and levy any and all personal Property and is not satisfied  XXXX   XXXX  Kohn Law Firm Demands admission From My employer and threatens Litigation
Consumer complaint received 2021-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (OR)

XXXX XXXX XXXX I placed an order in XX/XX/2020 for two separate custom-made couches to XXXX XXXX XXXX I paid through my good standing affirm account with a perfect record. The order did not move forward by XXXX XXXX until end of XXXX and on XXXX the loan went onto my affirm account for both couches, though the confirmation email was showing the larger 3, + item on backorder. XXXX XXXX charged Affirm for only the {$2100.00} couch around the beginning of the year and I began the $ XXXX payments for both couches plus interest from the beginning of the loan because Affirm had included the full amount for both couches plus interest into the loan and payments. I got another ETA, further delayed for one couch and got the one couch months delayed around XXXX or XXXX. Ive paid off for the couch I received plus an excess of over {$1000.00}, not including interest or the fact that the delivery fee was for both couches, not just one. I called XXXX XXXX and Affirm regarding this in XXXX and after XXXX XXXX saying the fabric vendor was not confirming availability of fabric to make the couch. Affirm was notified and said to call back and dispute with management if they were not going to provide another XXXX or confirm production of the couch. I asked for an adjustment on my account for payments for time to get confirmation the couch was still available. Affirm gave me a delayed new payment date. I called XXXX XXXX countless times and hours hold time each time. Each time the new rep would see it was inquired about and noted in the system, yet each time there was no XXXX provided or confirmation of order production. There was no response from the vendor according to XXXX XXXX each time I called. They kept telling me to call back and check later and lead me on that they would follow up, escalate or get management to handle it they never did. 
Two letters I have from XXXX XXXX Management and Accounting show the item production was cancelled at some point as product unavailable. They show that Affirm was never charged the $ # XXXX for the second couch. 
Affirm has ignored my communications and the letters from XXXX XXXX and I have had to resend to them more that 5 times, getting a confirmation email that the item was disputed and a refund would be issued in 5-7 days. I kept calling back and they kept elevating to dispute department over and over each time, never moving it forward. Over the last few months I have had collections calls, texts, emails and notices of delinquent payment, after each rep said I should be getting a refund of the over {$1000.00} I paid toward the second couch that was never produced, shipped or delivered. 
They have now reported delinquency to the credit bureaus and ruined my credit a crash of XXXX points. I have attached numerous supportive emails, verifying evidence that my statements are true and correct. 
I demand {$5000.00} from Affirm for their crime and harassment and damage due to their fraud. 

XXXX XXXX XXXX
Consumer complaint received 2021-03-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ClearLine Loans LLC (IL)

On XXXX XXXX, I was given a XXXX dollar loan from clear line loans. The annual apr for this loan is 354.21 %. .This is in violation of The Illinois pay day loan reform act which states a company may not charge no more than 15.50 per 100 of interest, and charge a maximum of 99 percent interest per year .therefore making this loan illegal in the state of Illinois..Per section 1 of the Illinois payday loan reform act to give out payday loans to customers the company must be licensed in the state of Illinois which Clearline loans is not..This loan is also is illegal in the state of Illinois per sec 03-03a of the pay day loan reform act which states for a company to operate as a payday lender in the state of Illinois, the company must be licensed with Illinois department of financial regulation which this company is not therefore making this loan illegal and unenforceable under Illinois state law..To this date I have paid XXXX  dollars on this illegal loan in the state of Illinois and an unenforceable loan per Illinois state law
Consumer complaint received 2024-02-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION (GA)

We have been paying down our line of credit for years. In XXXX of 2023 we noticed that the average daily balance on which our interest was based on our monthly statements fluctuated from month to month often being significantly higher than the beginning and ending account balance on the statement. Upon contacting the bank I was told it was a printing error and they would get back to me. This has gone on for months and they tell me I can be assured that my interest charges are correct and that this is a system wide problem that they are working on. I am just to trust that the interest amounts I am paying are correct. Their statements are not correct and haven't been for quite some time. We are however paying interest often based on significantly higher average daily balances that are owed. So we are left to just trust their word and not our statements. I can't see how this is acceptable for bank reporting.
Consumer complaint received 2021-01-05
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)

I have countless times to have the 3 major credit reporting bureaus to remove inaccurate information on my report. Ive submitted a affidavit with ftc and verified my identity but they still report the same thing which lowers my score and makes it impossible for me to approved for new credit. This covid 19 pandemic has made it difficult enough to obtain credit to pay bills and identity theft is at an all time high. XXXX, XXXX  and Equifax are not following the law and removing inaccurate information nor are they verifying information, please help.
Consumer complaint received 2021-01-05
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. (NV)

I have countless times to have the 3 major credit reporting bureaus to remove inaccurate information on my report. Ive submitted a affidavit with ftc and verified my identity but they still report the same thing which lowers my score and makes it impossible for me to approved for new credit. This covid 19 pandemic has made it difficult enough to obtain credit to pay bills and identity theft is at an all time high. XXXX, Transunion and XXXX  are not following the law and removing inaccurate information nor are they verifying information, please help.
Consumer complaint received 2021-01-05
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-03-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

I have more than $ XXXX that is my life savings and it is not accessible to me. My account is 100 % locked down on a timeline that is far beyond what makes sense. 

I had a payment transfer on XX/XX/XXXX that got reversed from my bank but immediately processed a payment on XX/XX/XXXX for the amounts in question. They even have record of the successful payment. However, more than 10 days later, my account is still 100 % locked down. I am not able to access any of my own assets.