davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (MD)

XXXX XXXX - XXXX XXXX XXXX ( account holder ) initiated an online transfer of {$4500.00} from XXXX @ XXXX account into personal checking account also owned by XXXX XXXX XXXX. 

XXXX XXXX - XXXX posted as transfer " XXXX '' in XXXX 's account however funds never arrived to the instructed destination. 

XXXX XXXX- XXXX submitted a dispute to XXXX claiming that the withdrawn funds were never sent to the external account destination. XXXX claims that they are not the responsible party since they see the funds as posted. XXXX confirmed with multiple departments at Bank XXXX XXXX that funds were never received from XXXX. 

XXXX XXXX- After several attempts, XXXX refuses to take responsibility of the missing {$4500.00}, confirm where in fact the funds were sent, or how they plan to rectify the situation. As of XXXX XXXX, the funds are still missing out of XXXX XXXX 's accounts as XXXX has seemingly misallocated or outright lost {$4500.00} of their customer 's money.
Consumer complaint received 2022-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ) - ( 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 XX/XX/XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX
Consumer complaint received 2023-03-16
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: Resurgent Capital Services L.P. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

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 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc (IN)

I paid XXXX XXXX I have bank statement to prove this I called bullcity collection and the guy I spoke with told me to pay him an additional {$270.00} plus tax and he will have it removed sounds like a scam and XXXXXXXX XXXX XXXX. Please have this removed from my account. I can provide the proof that will back me up. This account was paid to XXXX XXXX
Consumer complaint received 2018-03-02
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. (AZ)

I disputed information with Experian to remove UNKNOWN accounts on my credit report. 
I wrote a letter letting their company saying I did not open these accounts. Please remove unless you have my signature or proof. They show me nothing and gave me a general letter saying the accounts were verified. I sent another letter asking the to show me more and give me details. Experian said nothing and again sent no proof. I don ; t even know if there was a real investigation. I thought they had to go above and beyond to get to the bottom of situation. I sent a third letter requesting the method the used to verify. I told them by law " you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) '' I did not see anything from Experian.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payments on an account that was in fact paid on time, but consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates XX/XX/22. Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to pay on time immediately thank you for your understanding and prompt action.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX my grandfather purchased an Investment Certificate in the amount of {$30000.00} from XXXX XXXX XXXX, XXXX Virginia. The Certificate states that it will bear interest the date hereof until original maturity at the rate of 6.85 %. The names on the certificate are XXXX XXXX XXXX and in trust for XXXX XXXX XXXX, which is my aunt. 

My aunt passed away on XX/XX/XXXX, leaving me as the beneficiary of her estate. I went into a local branch of Wells Fargo on XX/XX/XXXX, after researching whom XXXX XXXX was bought out by. I spoke with XXXX XXXX, Personal Banker at the XXXX XXXX XXXX in Virginia. He informed me that he would research the XXXX XXXX and contact me with his findings. On XX/XX/XXXX, XXXX XXXX contacted me and told me that his company was unable to locate any records regarding the Investment Certificate. The only recommendation he has was that I contact the Virginia Department of Treasury to determine if there were any unclaimed funds in either my grandfather 's or aunt 's name. 

I contacted the Virginia Department of Treasury on XX/XX/XXXX. The person that I spoke with informed me that no unclaimed funds existed under either name. She explained that financial institutions are obligated to send any unclaimed funds to the state. She also recommended that I contact the State Corporation Commission. 

I spoke with a gentleman by the name of XXXX with the banking section of the State Corporation Commission on XX/XX/XXXX. He was unable to assist, but recommended that I file a complaint with the SEC. He also stated that I may have to hire an attorney to resolve the matter. 

An online complaint was sent the SEC on XX/XX/XXXX. I have not received a response to my complaint as of this writing. 

On XX/XX/XXXX, I contacted the FDIC and was informed they were unable to help since XXXX XXXX of bought out by another financial institution. The person I spoke with recommended I file a complaint with CFPB. 

At this point, I'm not really sure what other measures to take to resolve this matter. If you have any additional questions or need further information, please contact me at ( XXXX ) XXXX. 

I have attached a scanned copy of the front and back of the Investment Certificate.
Consumer complaint received 2022-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Too many times i had been writing and emailing to the bureaus about the accounts i am complaining. They should not be in my report. I have late payments and unauthorized inquiries that were places there illegally.
Consumer complaint received 2022-03-24
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. (NC)

I sent a letter to the furnisher XXXX XXXX dated XX/XX/XXXX regarding the negative items reflected on my account. I've mailed debt validation date XX/XX/XXXX and method of verification letters dated XX/XX/XXXX to the 3 bureaus. I received a statement from XXXXXXXX XXXX dated XX/XX/XXXX that this account was already sold last XX/XX/XXXX. 
Balance : {$0.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2023-01-20
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: WELLS FARGO & COMPANY (CA)

My Wallet was Stolen and I had All My information social security Card '' debit cards for WELLS FARGO And MY CREDIT CARD AND I TOLD WELLS FARGO AND THEY HAVE BEEN BLAMING ME AND DIDN'T NOT REIMBURSE ME OR MY MONEY AN BY WELLS FARGO NOT TAKING CARE OF THIS SITUATION MY CREDIT SCORE WENT SERIOUSLY DOWN AN I WAS AT A XXXX CREDIT SCORE ''!! THAT HAS NOW PUT ME DOWN TO A XXXX SCORE "!! 
WELLS FARGO IS NOT A GOOD RELIABLE BANK .I HAVE BEEN WITH WELLS FARGO SINCE 2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IN)

I had loan with Wells Fargo Bank. At the time I did not default on the loan, I contacted them in good fait to refinance my loan & by the time they settled things with me they caused me to be behind ( 1 ) payment. I was & am a single lady low income but I paid my bills. They caused me to spiral out of control. I tried calling so many people on so many levels. I feel I was scammed. I actually then had my home sold for cash & for more than it appraised for. They said I did a loan modification rather than a refinance. I was told it was a refinance. So when I tried to close on my home they would not let me & I lost {$30000.00} in escrow & my money I needed to retire on. They forced it into foreclosure. I had to sign on XX/XX/2017. I paid my house payment for sometime after & finally had to move out. 
I was told even by my realtor this was a bad deal. I just pray Im one of those they found did me wrong. 
Thank you for your time XXXX XXXX I do have all my closing papers. 
Wells Fargo went ahead & sold my property for the cash offer that was my! 
It was theft at its finest. 
I now have to live with my son & his wife down the street.
Consumer complaint received 2022-03-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MD)

I don't believe Truist ( formerly Suntrust ) has been applying my payments correctly. My Promissory note for {$110000.00}, XXXX XXXX interest, dated XXXX. It is a XXXX loan ( which I don't quite understand ). I filed for bankruptcy, Ch XXXX in XXXX. I reaffirmed my loan with Suntrust. At the time my balance was {$100000.00}. They lowered the interest rate to XXXX XXXX and the agreement stated that I have to pay {$520.00} for XXXX months, beginning XX/XX/XXXX. Scheduled to end XX/XX/XXXX. I have been made all payments. I know it takes quite some time for mortgages balances to drop because the interest is applied first, but it doesn't seem like my balance is going down. My current balance is {$92000.00}. Meaning over the past XXXX years, I've only paid {$11000.00} towards the principal. I have made all payments, even paying more than the amount due at times. I don't understand how this is possible. I began calling Truist XX/XX/XXXX. At first every representative I spoke with said my account is fine and that it will be paid off by XX/XX/XXXX. Then I explained that in order for this to happen, every payment I make for the remaining XXXX payments would have to be XXXX XXXX towards the principal. Then they research and claim that my loan maturity date was changed to the year XXXX. I tried multiple times to escalate my complaints with Truists. Each attempt has not yielded any success. I feel like I am being defrauded and I don't know how to get help. I have tried with my mortgage company, but I am not getting any answers. They keep sending me letters that don't address my complaint. When I call they say that my account should be complete and paid by XX/XX/XXXX but the paperwork they send through the mail is contradictory. I am worried that they will still say I owe money past the maturity date of XX/XX/XXXX.
Consumer complaint received 2024-02-22
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: Experian Information Solutions Inc. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-01-20
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. (TX)

In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, 15 u.s.c 1681 section 602 A. states i have the right to privacy.

15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.
Consumer complaint received 2023-06-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Happy Money, Inc. (CA)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a installment loan under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-14
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. (VA)

Equifax has gone over and beyond to lock access to my Equifax ID, discriminate against me several times & while I am in a security freeze is failing to take accountability for their bad dispute/reporting procedures
Consumer complaint received 2023-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

The former mortgage company Amerisave was going to do an assumption process to take my dad out from the loan and for my husband, one of the mortgage holders to assume the loan alone, the company asked for an assumption processing fee I went ahead and sent it then they decided to transfer our loan to another bank XXXX  and after the transfer Amerisave cashed my check, now I have been emailing the assumption special loan department from Amerisave and calling and speaking with them and the only response is, " we do apologize for the inconvenience but this issue was given to a supervisor for approval to refund the monies '' I have been back and forth with them since XX/XX/2022, and I explained why did you guys cashed my check if you guys no longer had the account? I have been asking how much more time I have to wait to get my refund back? And they keep saying, I have to wait, is pending for approval ... I explained this issue to the new bank XXXX and they mentioned that Amerisave has the tendency to hold the monies and the clients have to fight for their refund. Now the new bank is in the process of doing an assumption but I need my monies ( refund ) from Amerisave. Please can you help us? I sent Amerisave a letter asking again for a resolution or I will escalate this matter. thank you
Consumer complaint received 2023-01-14
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-14
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)

The following accounts are incorrect, and they are adversely affecting my livelihood. 

Inquires : XXXX XXXX XXXX Charge Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PENTAGON FEDERAL CREDIT UNION (DC)

This Financial organization is collectively working against its customers by tacking on rigorous amount of fees and collecting interest on these fee they are robbing there customers with this business tactic. I refinance my vehicle in the hopes of a lower car payment however I have been deprived and deceive by while this organization capitalize on my business. The scheme they have plotted allows the bank to charge people a XXXX when they havent heard from you and add interest on it should be illegal Especially this exceeds the value of the vehicle. It is highway robbery should be considered extortion.
Consumer complaint received 2023-01-14
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. (FL)

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update/correct this suspicious information. I think you have not validated this account 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 request, and I'm including it again. 
XXXX XXXX XXXX  Balance : {$760.00}
Consumer complaint received 2023-03-11
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. (AZ)

Names, address, XXXX XXXX - false reporting Wrong date, wrong amount, reporting late, Most of my information is in XXXX. And credit reporting companies are saying information is correct without providing me any proof of investigation. Also reporting wrong personal information and not wanting to correct it when I called multiple times and mailed out many dispute letters via usps. All 3 credit bureau is not fix my concerns.