davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
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: ID Analytics, Inc. (NC)

I am writing this complaint to SAGESTREAM. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Consumer complaint received 2020-09-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (NH)

XX/XX/XXXX - Call PHH mortgage to refinancing my home due to my husband was let go from his job and my household income reduced 50 % and we are on strict budget to keep up with our expenses. This is a very simple and straight forward refinancing without cash withdrawal but just to reduce monthly payments with reduced interest rate. 


XX/XX/XXXX - Applied for refinancing on my primary residency home XX/XX/XXXX - Start working with loan processor XXXX XXXX XXXX, PHH Mortgage, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, FL XXXX Tel : XXXX XX/XX/XXXX - My refinancing loan was approved with additional questions were requested via email XX/XX/XXXX - Feedback with my answers XX/XX/XXXX - Call the loan processor for an updated but no answer and I left an voice message XX/XX/XXXX - XX/XX/XXXX - Called several times in the next few days but no call back. Another loan processor answered and kept me on hold for 30 minutes and hung up on me XX/XX/XXXX - Spoke to a different loan processor and request to escalation and she acknowledge it XX/XX/XXXX - Called PHH again and another loan processor answer and put me on hold for more than30 minutes. 

t 's so frustrating and disappointing that the company perform a such a bad service while we need the most help from them to keep us out of debt.
Consumer complaint received 2020-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

I have been dealing with TD Bank for over a month. It all started when XXXX XXXX XXXX sent me an e-check for {$7400.00} that belongs to my PPP loan approved by SBA. 
The funds were held due to a clerical error from XXXX ( not me ) since my name was not on the check. 
TD bank assigned an investigator, or so they say. This person never called me. 
I provided all documentation and beyond. 
Waited for hours over the phone with my local branch manager, the fraud department and customer service as well. 
TD bank said all was fixed and asked me to visit the local branch to pick up a new debit card and so I did. 
Next week the account was once again restricted. 
The bank decided to close my account, but the {$7400.00} are still in a limbo, when they should be with XXXX XXXX XXXX. 
My personal funds are being held as well. 
Nobody can tell me when I will have access to my money. 
The PPP loan funds are not in my account neither with XXXX lender bank. 
Again, this has been going on for over a month now and nobody can respond to me regarding a timaframe for me to access my money or the loan money. 
This has caused extra stress on top of the pandemia and my unemployment situation.
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (MI)

I need serious help from CFPB. I need some intervention to get Wells Fargo close my account and send me my funds. 

Wells Fargo has frozen my account since XX/XX/XXXX and they delayed a scheduled closure date of XX/XX/XXXX due to false claims of unauthorized transfers. They informed me that my account is scheduled for closure on XX/XX/XXXX and still they have not closed or initiated refund of my funds. 

I called executive branch and theyre all acting clueless as to when my funds will be released to me. 

Theyre scamming me in broad day light. I need my funds to continue my business. 

Attached is the letter of notification of a schedule closure
Consumer complaint received 2023-01-05
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-08-17
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)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX- # XXXX - {$730.00} XXXX XXXX - # XXXX - {$2300.00} XXXX XXXX XXXX - # XXXX - {$3500.00} XXXX XXXX - # XXXX {$3500.00} XXXX- # XXXX - {$1800.00} XXXX # XXXX - Bankruptcy XXXX  XXXX Bankruptcy- Reference # 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
Consumer complaint received 2023-03-16
Product: Credit card or prepaid 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: DISCOVER BANK (RI)

In XXXX, I cancelled my XXXX services, at which time they ( XXXX ) indicated that I had to pay a termination fee of {$430.00}, which I disputed. I told them ( XXXX ) at that time that there were NOT authorized to charge my card for this. XXXX charged me anyway. Subsequently, I spoke with Discover and set up a dispute, at which time, I informed Discover that they were not authorized to post the XXXX charge and that I would deal with XXXX collections separately. I noticed on my current statement, that Discover went ahead and reposted the charge. This dispute is between XXXX and me and I will handle it outside of my credit card. The issue here is that I have informed both parties that they do NOT have my authorization to complete this charge and my wishes are being ignored. I want the {$430.00} removed from my credit card bill immediately as, as I have previously stated, XXXX can start collections for the money and I will handle that with an attorney.
Consumer complaint received 2023-01-05
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-09-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (AR)

applied for unemployment on XXXX but never received us bank reliacard in the mail .I have called multiple times & told my card is on the way. 1st call I was told to wait to see if they get the card returned by mail to call back 7 to 10 days. 2nd time told address was updated & they will send new card. 3rd time address was never updated & card was never sent was told to call back in 5 days to verify my address. 4th time i called to find out a replacement card still has not been sent. been told 3 times a new card will be issued & sent out to find out that it was not ever sent at all.
Consumer complaint received 2020-09-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (NC)

I just realized that Medicredit sent a misrepresentation to validate a debt not due. They attached another patients consent form to an old bill. They used someone elses consent information to try to validate a debt. I contacted Medicredit and they confirmed that XXXX  sent them duplicates of this debt. I confirmed with XXXX XXXX and made the final {$25.00} payment and they confirmed I have a XXXX  balance. 
I have attached the debt that Medicredit sent for validity which is incorrect because its not my consent. If this is the consent, then this debt belongs to someone else because i am not the person listed on the consent that Medicredit provided.
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

Good Afternoon, I'm not quite sure what's the hold-up but it's been more than 70 days counting that your credit reporting agencies failed to respond to my investigation or dispute. I understand that we're facing with global pandemic of COVID19, but come on! It's taking longer than expected and i haven't received anything about these student loan account, but it continues to report incorrect, incomplete, and it's completely unverifiable. How come all 3 major credit bureaus are reporting 3 different dates of opened ; 3 dates of last active, inconsistent payment history, and different account name and number. This is totally a violation of my rights and it's impossible that this can be different if it's coming from the same creditor or furnisher ... correct? Again, There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX  sued by Cfpb before for not applying payments to consumers accounts correctly?
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Good Afternoon, I'm not quite sure what's the hold-up but it's been more than 70 days counting that your credit reporting agencies failed to respond to my investigation or dispute. I understand that we're facing with global pandemic of COVID19, but come on! It's taking longer than expected and i haven't received anything about these student loan account, but it continues to report incorrect, incomplete, and it's completely unverifiable. How come all 3 major credit bureaus are reporting 3 different dates of opened ; 3 dates of last active, inconsistent payment history, and different account name and number. This is totally a violation of my rights and it's impossible that this can be different if it's coming from the same creditor or furnisher ... correct? Again, There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX  sued by Cfpb before for not applying payments to consumers accounts correctly?
Consumer complaint received 2022-03-23
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. (SC)

Debt is no longer collectible since I already settled the debt in full to XXXX. In my attachment, you will find a letter from XXXX XXXX or XXXX claiming that this account has already been settled.
Consumer complaint received 2020-09-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: LJ Ross Associates (PA)

LJ Ross and associates. Calling and hanging up on me multiple times per week. I do not have any debt that I am aware of. They won't stop calling. They keep calling and hanging up so I can't speak to anyone to ask them to stop calling. My credit rating is over 800 and I do not have any debt for them to collect. I don't know what their problem is as they won't let me know why they keep calling since nobody is ever there to speak to. I've had enough of these people and I know my rights. They are to stop calling me immediately or this will be harassment.
Consumer complaint received 2020-09-28
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (CO)

On the XXXX XX/XX/XXXX We purchased a flight ticket on XXXX for XXXX EUR  ( XXXX $ ). 
Later tickets were cancelled ( XXXX XXXX stopped operating its service ), merchant acknowledged it and we did no received service that we paid for. Months later we were provided a voucher for future service. We don't have any future intentions for travel with my family and we are not going to use this voucher within 12 months. My family spent extra XXXX $ for purchasing tickets from XXXX to get to final destination because XXXX could not provide customer service or voucher in time. 
We filed dispute with capital one credit card, but we were credited back, decision was based because voucher was provided from the merchant. 
We would like to get our money back because service was not provided in time as it was promised when we paid for tickets
Consumer complaint received 2020-06-19
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. (TX)

XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2024-02-28
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. (NV)

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( XXXX ) to obey without default or deficiency of any sort. 
The following challenged information is among such allegations of which each and XXXX all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( XXXX ) of information that I mark as being in question. 

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( XXXX ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( XXXX ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

After 3 attempts since XX/XX/2022, This company hasn't responded to me nor fixed the lies they put on my credit report. The courts told me they dont share any information with this company nor do any business with this company so no bankruptcy and all these other lies should not be on my credit report. This is deflamation of my character. I have been turned down by other companies because of these lies on my credit report. 

Delete all these lies off my credit report.
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (IL)

Citi at XXXX XXXX XXXX XXXX, XXXX IL On XX/XX/XXXX I opened a Citi Business checking account, deposit new-to-Citibank funds within 30 days, maintain balance for an additional 60 calendar days and receive a cash bonus. Cash bonus to be credited to your account wilthin 90 days from the month you complete the required activities. 

Account opened XXXX XXXX XXXX 
XX/XX/XXXX, {$50000.00}. deposited XXXX XXXX, {$54000.00}. deposited Had over {$100000.00} in the account till XXXX, account is still open. 
Called Citi In XXXX, was told my bonus would post by XX/XX/XXXX. 
Called in XXXX answer was they would look into it. Emailed and called in XXXX, still looking into it, and XXXX, no answer in XXXX at all.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

On XXXX I sent supporting documentation to all three credit bureaus in regards to inaccurate/wrong and or fraudulent information that has been reporting on my credit file for several months. I never filed or been any any Chapter XXXX Bankruptcy period. My overall credit standing is good and this inaccurate/wrong and or fraudulent information is having a negative impact on my current rating. Here it is XXXX beyond 30 days and I haven't heard anything from Transunion, XXXX or XXXX   in regards to my initial dispute. Both the County Court house and XXXX XXXX neither have any records of a filed bankruptcy on my behalf. I this erroneous reporting absolutely unacceptable and is a clear violation of my rights as a consumer.
Consumer complaint received 2020-08-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (OR)

I faxed a request to close account with notarized statement and copy of My drivers license on XX/XX/2020. ..No response My personal bank XXXX XXXX XXXX XXXX XXXX Oregon Faxed a second request on XX/XX/2020No results A third request was Faxed on XX/XX/2020 No results A call was placed on XX/XX/2020 was promised a call back and I have not heard anything. My Account is with BBVA of XXXX aL If you need account # please call me at XXXX XXXX XXXX Please help I Don't Know what else to do. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Or XXXX Bank BBVA CompassXXXX XXXX XXXX XXXX Al XXXX
Consumer complaint received 2021-02-06
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. (TX)

I have contacted Trans Union about the XXXX XXXX XXXX not being my account. I was asked to send proof of residency, utility bill, and identification to XXXX XXXX to validate the information is incorrect. I have not lived at the address that they are claiming that belongs to me. I would like for this information to be corrected. I will be seeking legal help as well. I have lived at the current resident for a couple of years.