davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC (GA)

I wish to formally lodge a complaint against Best Egg concerning the handling of my personal loan. Over the span of six consecutive months, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have observed that none of the payments I made during this period were allocated towards reducing the principal balance of the loan ; instead, they were exclusively applied to cover the accruing interest. 

During this time frame, specifically on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I executed automated payments amounting to {$190.00} on my Best Egg personal loan. Regrettably, out of these payments totaling {$1100.00}, not a single dollar has been directed towards reducing the principal balance of the loan. 

In an attempt to address this issue, I contacted Best Egg on XXXX XXXX XXXX However, the representative from Best Egg attributed this problem to a " computer issue '' and refused to retroactively credit the payments towards my principal balance, as they should have been over the past six months. 

As of today, my loan 's principal balance remains at {$6500.00}, which is the same amount it has been since XXXX XXXX XXXX I initially obtained this loan in XXXX XXXX  for {$7000.00}, with a fixed interest rate of 20.51 %. I agreed to a payment schedule consisting of 59 consecutive monthly payments of {$190.00}, with one final payment covering the unpaid principal balance, interest, fees, and charges. 

To alleviate financial hardship, I had previously availed two 'Payment Holidays ' from XXXX XXXX XXXX XXXX XXXX XXXX XXXX totaling four months. During this period, it was agreed that the interest on my loan would continue to accumulate, and the loan term would be extended to provide temporary payment relief. However, it was not part of the terms to have {$1100.00} applied exclusively to interest and {$0.00} towards the principal balance for six consecutive months post 'Payment Holiday '. 

I sought the 'Payment Holiday ' due to financial challenges arising from my responsibility to care for my XXXX  mother and her medical expenses while still supporting my household. As of now, my loan balance comprises {$6500.00} of the remaining principal balance, {$2000.00} paid in interest, and {$830.00} contributed toward the original loan 's principal balance.
Consumer complaint received 2021-02-13
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)

Im writing because I recently filed a CFPB complaints about my late payments on my student loans and both Transunion and XXXX came back and said the information was verified but XXXX  deleted all my student because the information was not verified if this is the same account why are the bureau reporting different things I was asking that the late payments be deleted but now Im asking that the whole account be deleted for reporting inaccurate information
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am unable to pull my credit report on XXXX XXXX XXXX and on XXXX XXXX  it gives me someone eles email linked to my personal information, my wallet was stolen and I'm locked out of my own information I have provided my police report in the documents below.
Consumer complaint received 2024-03-21
Product: Credit reporting 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. (FL)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Asset Management Outsourcing, Inc. (VA)

Use false, deceptive, and misleading representation of different claims amount to collect the debt. 
The XXXXXXXX XXXX ( original creditor -XXXX XXXX XXXXXXXX is the collector ) has alleged or claimed three ( 3 ) different of Non verified and Non validated owed money. 
{$7700.00} {$7700.00} {$8600.00} Do I know the amount? 
I have no idea about the amount its ( 3 ) different unverified and invalidated amounts It was not resolved the billing dispute with XXXX for more than ( 5 ) years. It is still unclear to me what about their false owed of ( 3 ) different amounts for the SAME issue or claim. 
Date Description for letter/Document Amount US $ Document # XXXX 2nd Party, sent a collection letter XXXX ( Doc # XXXX ) XXXX XXXX XXXX Conclusion 3rd Party Bills 2nd Party, sent an attached file from the original creditor ( 3rd Party ) for the details of the alleged /claimed XXXXXXXX ( XXXX ) + ( XXXX ) + ( XXXX ) ( 3rd Party ) Bill ( 3rd Party ) Bill Amount different from XXXX To XX/XX/XXXX Amount different from XXXX To XXXX XXXX Amount different from XXXX XXXX To XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Doc # XXXX ) XXXX XXXX  XXXX ( Doc # XXXX ) -XXXX ( Doc # XXXX ) XXXX XXXXXXXX XXXX ( 4th Party ) - Original Amount ... - Balance Amount XXXX XXXX ( Doc # XXXX ). 
XXXX XXXX XXXX XXXX : Track my credit score with XXXX  Credit Report/account and balances /account of payment details XXXX ( Doc # XXXX ).
Consumer complaint received 2021-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MN)

I purchased a home on XX/XX/2020 through XXXX XXXX  XXXX. A couple weeks later I received a welcome letter from Loancare/XXXX  XXXX XXXX stating my loan was transferring to Loancare. I subsequently received a statement from Loancare for a XXXX payment ; attached. On XX/XX/2020 I paid Loancare {$2100.00} through XXXX XXXX  bill pay. I later received a statement from XXXX XXXX XXXX for XXXX and XXXX ; after making some calls to Loancare and XXXX XXXX XXXX I learned that XXXX XXXX XXXX never transferred my loan to Loancare. I contacted Loancare several times and no one was able to find any record of me, my account or payment even though I had received a statement from them. I was able to get an email where I could send my inquiry. I then emailed Loancare and provided the welcome letter, XXXX statement, bank statement and ACH trace #. Loancare responded that I needed to provide my full bank statement and a proof of payment confirmation letter, which according to XXXX XXXX  is not something that actually exists.They also immediately closed my ticket without waiting to get any kind of resolution to the issue. I called XXXX XXXX  and they were able to email some proof of payment to Loancare with a reference to my ticket number but wouldn't send it to me. I sent a separate email to Loancare to confirm they received the email from my bank and they responded that they couldn't find me in their system and closed my ticket again without waiting to actually get a resolution. I don't know how they were able to issue a statement and now cant find any record of me and are unwilling to assist in returning this money.
Consumer complaint received 2023-03-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (WA)

This is not report of the resolved matter as to XXXX XXXX XXXX XXXX CLOSED LAWYERS POOLED IOLTA TRUST account at Chase Bank XX/XX/XXXX ( {$93000.00} ) which is now reopened. It is attempt to ensure that such IOLTA account is not unnecessarily made subject to OIG, FINCEN, CFPB, HUD ( SAR, etc ), after I correctly reported in Washington Court of Appeals No 83722-2-I and Co. 20-2-00743-37 Superior Court of Washington at Whatcom county where further insurer payment has been announced as being delivered to support sham tort claims connected to a condemnation proceeding -- in which title insurer objections and HAMP refinance application was announced by interlocutory condemnors ( No. 09-2-01773-1 Superior Court Whatcom Co. WA ; appeal 68202-4-I remand for " confusion in the record '' caused by condemnors ' counsel ) who conceal the fact of the interlocutory condemnors ' RCW 8.24.030 condemnation pleadings -- that I personally refused money as an interlocutory condemnee for being 18 U.S.C. 1956 ( c ) ( 4 ) ( A ) ( iii ) " disguise '' " concealment '' proceeds from interstate financial institution fraud connected to interstate title insurer objections, 31 U.S.C. 3729 False Claims Act mortgage concealment fraud affecting federal reserve bank functions ( e.g. U.S. v. Wells Fargo ; Kraus, Bishop v. Wells Fargo ; see also CFPB v. Wells Fargo Baltimore Maryland U.S. Dist. Ct Consent Order ) 18 U.S.C. 1512 tampering, 1515 ( 3 ) ( A ) - ( D ) concealment misconduct during 18 U.S.C. 1951 ( 1 ) ( a ) Hobbs Act " tort '' claim extortion ( e.g. U.S. v. Koziol ) possible mortgage fraud, while the " tort '' claims have no legitimacy under state law ( Pelley v. King County ) but only as extortion. This is written to ensure that I am immediately available to explain the circumstances which caused Chase Bank XXXX XXXX closure of the Cottingham Law Office PS IOLTA trust account holding pooled trust assets of clients which are in no way related to the
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-02-10
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. (SC)

I have collections on my consumer report that are against the law. As determined by Congress, the credit reporting agencies are all violating the accuracy and fairness of credit reporting of my information. By not adhering to their grave responsibilities with fairness, impartiality, and a respect to my privacy, 15 U.S. Code 1681 ( a ) ( 4 ).

Due the willful and knowingly violation of the law, my rights as been violated getting credit under 12 CFR Part 1002 of the Equal Opportunity Act ( Regulation B ) that protects me from discrimination in getting open and closed end credit, this has done harm to me and my Family. 15 U.S. Code 1681 c ( a ) ( 4 ) explicitly said no consumer reporting agency may make any consumer report contained Accounts placed for collection.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (CA)

Dispute XXXX. Fraud purchase was reported to Union Bank Credit card day of transaction. I was informed it could not be canceled till it processed. All forms were completed and returned to Union Bank to resolve dispute. Union Bank merged transferred to USBank. I was waiting for the information to be resolved by union bank and then Us bank did not have any of the information and information had to be provided to us bank. I have called several times and us bank says information is not in system. I was referred to Office of president. And after having been transferred to three case processors since XX/XX/2023. I have not received any written communication. I have had to call them over and over. Finally a person gave me the number of office the president so I could call in. It took a long time to get the office of president number XXXX. I was finally assigned a man named XXXX XXXX. He called my voicemail and left me a message that my case could not be resolved. However, I was speaking to a case processor at the same time and who assigned to my dispute. She did not have the paperwork and admitted to not calling or researching the parties involved in my dispute. I called back Office of President XXXX XXXX and listened to him tell me my timeline ran out. My husband and I asked him a few questions and he did not have a response so I do not understand how he responded on the voicemail they way he did. XXXX said he would call me back after 2 hours and he did not. I had to call him 3 days later. Then XXXX said he was looking into it. I had to wait tillXXXX after I called to be told that he could not help me. XXXX responded Im sorry I cant do anything for you. I asked to speak to his supervisor and he stated there was no one else higher than him to speak with. I firmly believe USBank is wronging me, because their transition processes, electronic platforms, and support staff were not in place to support these type of customer transactions. USBank should be accountable for their behavior.
Consumer complaint received 2021-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (MD)

On or around XX/XX/2021, I wrote two checks. One for XXXX XXXX in the amount of {$120.00} and one for XXXX XXXX  XXXX XXXX in the amount of {$270.00} on my Wells Fargo checking account. Someone stole the checks from my mailbox and was able to cash the checks and receive the funds other than the companies named on the checks. I called the bank to place a claim and report the incident. The bank refused to tell me where the checks were cashed, and told me I should report the incident to the XXXX Co. Sheriff 's Office, which I did. The bank also stated I could not file a claim to receive the funds back until the thief was apprehended. I also reported this incident to the US Postal Inspection Service and the Maryland State Attorney 's Office. My concern is why wouldn't Wells Fargo tell me where the checks were cashed and why must I be responsible for and not compensated for the weak internal controls at Wells Fargo or some other bank that allowed a thief to cash two checks intended for utility bills.
Consumer complaint received 2021-02-13
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 have unauthorized accounts & inquiries on my report and would like it to be removed. According to the FCRA any inaccurate items on my Credit report that is not 100 % verifiable or accurate must be removed!
Consumer complaint received 2021-02-13
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. (TX)

XX/XX/21 I sent a certified letter to TransUnion requesting how the 2 student loans on my account information were validated. I had to follow up with a phone call because the dispute was not addressed in there response. On our phone call they told me I would have to reach out directly to the US dept of education. Having done so, the US dept of Education stated they did not have signed documentation on these 2 accounts to authorize loans. These 2 loans are shown to have been opened on the same day with different balances. Both accounts show a XXXX balance with a derogatory note showing account as paid off after collection/charge off. I have no charge offs or collections on any of my reports. And it is inaccurate to have a status to show as both a collection and charge-off. I followed-up via a phone call with TransUnion informing them the US Dept of Education stated they could not provide signed documentation of the loan and would not remove the inaccurate derogatory status. I was told by TransUnion that I unless they were notified by the US dept of Education that they were unable to make any changes to the account.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

My brother XXXX was admitted to the hospital in XXXX. His wallet was stolen, a police report was filed. It was then realized that his debit card was used fraduently. The bank ( Wells Fargo ) was notified and stated that there was no fraud and the charged are legitimate. The bank also left the account open which allowed the perpertrature to continue using the account until XX/XX/XXXX. An approximate total of {$15000.00} was removed from his account and a second complaint filed for approximately {$6000.00}. The bank is still claiming the original {$9000.00} is ligitimate.
Consumer complaint received 2021-02-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TN)

On XX/XX/XXXX I submitted a complaint to the CFPB regarding a payment that I made that was never acknowledged by the creditor. The complaint number is XXXX, a copy of this complaint will be included for your review. On XX/XX/XXXX, I received an email from the CFPD stating the the company has responded, and is working on the issue, an attachment will be provided for your review. I received a letter from Macy 's dated XX/XX/XXXX, which stated that they found /received my payment of {$430.00}, which was credited to my account on XX/XX/XXXX according to the letter, which will be provided for your review. Macy 's also stated that I now have a balance of {$19.00}, which is incorrect, because I provided the statement which showed that {$430.00} was my original balance, and that is what I paid on XX/XX/XXXX in the store located at XXXX XXXX XXXX, XXXX, TN XXXX. Thus, the balance would be {$0.00}. I will provide a copy of the statement for your review. The difference from the statement that I am providing and the balance is {$10.00}, which was added as interest for non-payment, so again, the balance should be XXXX.
Consumer complaint received 2023-02-16
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

on XX/XX/2017 i filed a wellsfargo claim for unauthorized acounts i never received my settelment. the past XXXX years i have had atleast XXXX other disputes including identity theft. i have coverage XXXX years free at Wellsfargo through XXXX and i have my own coverage with experian. 
during the past XXXX  years i have not received any of the settelment money. someone using my name reported me to be from XXXX XXXX to get a way with there theft. i am American born and raised in XXXX Georgia. The person of intrest is an old neighbor who works for WellsFargo her name is XXXX XXXX. her and her Mother XXXX XXXX has stolen everything every dollar in my name that was credited by Wells fargo and they done the same thing with my cash app. When they do send a check its wrote out in us. Dollar instead of usd. i am seeking reinburstment from wellsfargo for the scam ran by there employee and to receive my identity theft insurance claim there scam involves violation of my privacy and postal fraud. 
they have a friend who is spying on my home through the cable service at XXXX. he now works for a service called id based in XXXX. XXXX lives in XXXX  and still works for wells fargo. all the checks sent to me from wells fargo dating back to XX/XX/2017 should be resent in full amount to me and me only. XXXX XXXX added my name to some class action registry i never authorized i want my name removed from the class action i want to be reinburst gor each check pain and suffering and identity theft insurance. 
XXXX XXXX XXXX and XXXX all have claims on my name that are fraud i am not under any contacts i am not an entertainer i am not married i have no dependants.I have never lived out side of georgia i live in XXXX georgia where i have live the past XXXX  years/
Consumer complaint received 2023-02-16
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (NC)

XX/XX/31 username and password were changed for online Wells Fargo app. Ive called Wells Fargo branch a few times now and they cant seem to help me, Always transferring me to someone else to help and then say I dont have enough information, My wallet is stolen I dont know the information. XXXX from savings depleted and XXXX debt on credit card.