davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-21
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. (FL)

Im reaching out to CFPB for assistant as i have Sent serval disputes on accuracy of investigation regarding XXXX XXXX XXXX that's reporting on my credit. This is my fourth attempt to get this resolved. I ; m well aware that the credit agencies should be following the rules of 15 USC 1681. I didn't get anything in the mail or confirm who they verified this information from.

15 USC 1681 ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ).

( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later in addition to that I just seen that XXXX responded to my investigation but i just noticed that they also had the incorrect social. So if the social is incorrect how can they credit agency confirm that the account was accurate when that isn't my social.
Consumer complaint received 2021-10-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION (GA)

I was approved and funded for a PPP in XX/XX/2021. In XXXX I was told my account with Navy Federal was compromised and couldnt access my funds. {$17000.00} was left from the loan in my savings account. I was told by the security department that the funds would be sent back to the lender XXXX because the funds where deposited into my personal account and it shouldve been a business account. I havent been able to reach the lender but I applied through XXXX and theyve reached out to the bank several times requesting the funds and theres still been no resolve.
Consumer complaint received 2020-07-10
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 am needing to move out of my apartment due to the bad maintence. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to an amount of things on my credit that are not mine. I need those items removed as soon as possible.
Consumer complaint received 2019-09-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (WA)

We originally tried to contact hunter Warfield by mail in XXXX of 2019 by mail. I have receipt of delivery but never received any information from them. After waiting 30 days to receive a letter from them I assumed they would not mail an invoice. This was listed on my XXXX credit report and I filed with XXXX  to validate the debt. XXXX did validate the debt and said it was owed. I then tried to contact Hunter Warfield by phone to ask them to send an invoice about the debt. Hunter Warfield stated they would not send us an invoice until the debt was paid. This seemed odd to me but we were trying to get our home refinanced at the time so we were between a rock and a hard spot. I paid this debt by credit card so I could receive a receipt. Even after payment they made me wait for a 24 hour waiting period before they would send receipt of payment.
Consumer complaint received 2020-12-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avant Credit Corporation (PA)

I reached out to this company because I saw their name was listed on credit report and I wanted to try to rectify this instead of taking Bankruptcy. Upon calling XXXX  XXXX, I realized and was informed that another company is managing the debt and they are simply recording the information to my credit bureau. They stated that XXXX  XXXX  at XXXX is managing this, but I have never received any communication from XXXX  XXXX  or from XXXX  XXXX  in reference to this debt. In an attempt to try to settle the debt for {$1000.00} XXXX XXXX stated that XXXX XXXX  would not accept this offer. This is highly confusing to me. I never received anything that stated anything about this debt. I never got informed who to contact or call. Even when I spoke with XXXX  XXXX, they did not even know my mailing address and throught I still lived in XXXX XXXX, FL, which I have not lived in for over 5 years. 

I really wish to settle, close, and have this collection removed from my credit report. If XXXX  XXXX  has done something illegal in this endeavor, they need to zero out the account and remove this from my credit report immediately/ The offer is valid for {$1000.00} and I will not offer a penny more. XXXX  XXXX  must handle this debt and a 3rd party of a 3rd party is not going to be acceptable to me.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

This is my NUMEROUS complaints that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries listed below : XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2024-02-27
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. (MS)

Between XX/XX/2024, EXPERIAN received my dispute on this XXXX account showing on my credit report. 

OnXX/XX/2024, EXPERIAN updated & verified the account instead of following the law. 

EXPERIAN you are in violation. Update this account to PAID ON TIME IMMEDIATELY, I have cited the FCRA law XXXX  had unlawfully violated. And I have also attached forms supporting my position on this matter
Consumer complaint received 2021-10-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (MD)

My wife and I decided to try to refinance car loan with Truist. When they sent us the closing documents to review the numbers weren't as we had discussed with the loan officer so we decided not to go through with the refinance because it was saving us no money. They supposedly closed the loan. But that never happened! On XX/XX/XXXX I saw an automatic payment of {$4100.00} taken out of my truist checking account for the payment of the refinance loan. So they never closed out the refinance loan! So now we have the refinance loan and our regular loan on our credit report. We have tried numerous times to talk with truist to at least refund the {$4100.00} they stole from us but they still have not done that, and both loans remain open. This company has terrible customer service, terrible system of checks and balances, and should not be in business. Thanks XXXX XXXX
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TX)

This account has been closed for if not 2 years almost 2 year and my credit limit before I closed the account was {$4000.00} also it was that same amount until about XXXX of this year and now its about {$3000.00} which removes {$1000.00} of payment off my report and make it look like I havent really paid anything because my balance is {$2800.00} roughly. When I wrote to them about this several times they couldnt give me a good explanation so they ran a hard inquiry without my permission and side it was because of that. But yet the account is closed so my limit shouldnt be touched at all because it not opened for new purchases.
Consumer complaint received 2020-07-09
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX   XXXX {$99.00} XXXX  XXXX {$240.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2021-10-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

This debt was a {$200.00} overdraft from Best Bank in Georgia from XXXX, which has gone out of business. I am in the process of fixing my credit myself and undisputed alot of old items on my credit report. These people called my mother, niece, my brother, and my sister in-law, and told them different things like there is a warrant for my arrest, and told my niece I am involved in a domestic abuse situation. They gave them a case number to give to me. When I called they threatened me again with a warrant and told me if I didn't pay there's a chance they can arrest me. Since XXXX I have gone thru XXXX XXXX and for them to call my whole family and get everyone upset thinking that I committed a crime is horrible and it gave me anxiety. Now they are calling my job.
Consumer complaint received 2021-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MO)

My mortgage was sold to this company in mid XX/XX/XXXX. I received both an email and a print letter from my old mortgage company ensuring me that I would not experience any disruptions in my payment plan. I paid my mortgage on the XXXX of the month with my old servicer. I allowed one week to pass and noticed on XX/XX/XXXX that no payment had been applied to my new Mr. Cooper account, which indicated that a payment was due and would be late the following week. On XX/XX/XXXX I made a payment through their website. On Monday XX/XX/XXXX, two of my full mortgage payments plus additional principal totaling {$1400.00} were deducted from my account. 

My husband called Mr. Cooper immediately on XX/XX/XXXX, explained the situation, and asked what we need to do to have one of the charges reversed. They said that they could not to anything until both payments had posted and to call back. On XX/XX/XXXX after the payments had processed he called back. The Mr. Cooper rep told us that this happened because we have two auto pays set up when it is clear on their website that we have XXXX, but that they could refund one of the charges. My husband, the Mr. Cooper customer service rep, and a rep from my bank got on a conference call. Our bank rep confirmed the account numbers and the duplicate charges. The Mr. Cooper rep assured us that our refund was being processed and we would see it in 24-48 hours. 

After 48 hours had passed, we called back to inquire about why we hadn't seen our refund yet. The person explained that we must have been confused and that our refund was processing but it would actually take three to five business days. 

On the fifth business day since our initial request, we still had no refund so we called again. We spoke to a new representative who told us that no refund was processing on our account and that the person we spoke to the first time made a note on the account but " didn't know what she was doing '' so the process had not even been started. At this new person 's request, my husband went to the bank and got a partial bank statement showing the duplicate charges ( which our bank had already verified on XX/XX/XXXX ). He was instructed to send them in to a generic email address and told that whoever saw them would " know what it was for ''. We were told we would see our refund within two business days. It is now the second day and it is clear that nothing has been initiated on their end. They are holding {$1400.00} of our money hostage despite our multiple attempts to resolve this and complete compliance with their repetitive demands. 

On XX/XX/XXXX I sent the company an email explaining that if my situation was not resolved quickly I would be submitting a complaint to the CFPB. They replied quickly to my email stating that they were sorry for the poor customer service and would be calling me to discuss. They never called so I am submitting this complaint two days later as promised.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

XX/XX/24 Noticed a pending unauthorized charge on our joint Wells Fargo checking account ( for XXXX ) and called the bank. And told them this was a fraudulent purchase and asked for them to deactivate the card and deny the charge. They said it was too late to deny the charge. 

They asked if we had the debit card in our possession. ( My wifes card ) We told them yes. 

It was then determined that Wells Fargo, automatically sent a new debit card because the previous one was expiring soon. We did not receive this card. It was stolen from the mail and activated. 

We then received a letter saying that our claim was denied. Because the purchase was authorized, it was not an authorized purchase. We called the bank and started a new claim. Because the previous claim stated we had the card in our position with this new information, we knew the card was not in our possession. At that time I requested information on their investigation. Did they check security cameras to see that? It wasn't me or my wife. Did they listen to the voice to see who activated the card? I? Also requested what information was needed to activate this card period they did not give me any of the information requested. They said it was confidential to their investigation process. 

XX/XX/24 We received a letter that the fraud claim was a duplicate XXXX and that this claim had been closed. 

We also have since received our new debit card and activated it. The only personal information requested for activation was our zip code. I also placed a request with the Wells Fargo. Executive feedback team that debit cards should be required to have a pin number or other personal information to activate. My response from them was the amount of security needed to activate a card as adequate. We will not be making any changes. I also requested information asking how they used the debit card. Was it ran as credit? They would not give me that information. 

In summary, Wells Fargo mailed my debit card and banking information through the mail made it easily accessible and allowed someone to make fraudulent purchases and will not reimburse the fraud that occurred because of their mismanagement of my personal financial information. This should have been an open enclosed investigation. Based on our purchase history on our debit card, we do not use our debit card for daily purchases. We do that with the credit card. Our debit card is used exclusively for withdrawing cash getting cash back on purchases. Or when a store forces the use of a debit card. XXXX brick and morter purchases per month. 

We have since turned off The ability to make purchases on our debit card. So this doesn't happen again and Wells Fargo doesn't allow more people to spend our money.
Consumer complaint received 2019-02-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I received a response form this company and I am mortified at their attempts at calling my sincere concerns and confusion " allegations ''. I made payments to so many entities regarding this loan that it simply does not make sense to me. I was initially paying a XXXX XXXX XXXX XXXX and to them I called and requested an address change which was somehow ignored. Then the bank changed over to XXXX and their information was outdated and inaccurate. Portfolio took on a false amount, this amount was long gone and discharged and not even what I truly owed! The bank told me it was written off in taxes, so why then do they sell to a 3rd party and re-collect the sum all over. so they get money form me, write off the debt and then sell it back to someone else for them to double it with fees and interest that only they can add one? I figured something was off so I called XXXX XXXX after having been scared by Portfolio and they said to me that I was not responsible for it because it was past statue but that the party they sold it to would sue me if I did not pay them. I asked Portfolio is this was true and they SAID to me over telephone that I COULD INDEED have a judgment placed against me with " legal ''. Where are the calls? Are they all there? HOW can we confirm, because I am so hurt by your rude tone in your response Portfolio. All you have " proven '' here is SIMPLY old statements! This account was done with XXXX XXXX, I don't even know what XXXX did with it and now Portfolio is tripling my OLD debt! Anything past 7 years CAN NOT be placed on my reports. FIND ME XXXX XXXXXXXX STATEMENTS AND WE CAN DISCUSS TIMELINE! You have endlessly pushed me with letters, voicemail and calls and I had to surrender out of fear until I realized how MUCH this amount is wrong! It was illegal of XXXX to have sold this in the first place, it was already paid for in their taxes and int was in 2011! 

ALSO, why are you SENDING MY PERSONAL AND CONFIDENTIAL STATEMENTS OVER THE INTERNET!????? I am asked by the bureau not to send any account numbers and such, what gives you the right to send my old and personal information with all identifying facts on it to me???
Consumer complaint received 2021-10-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NC)

The following complaint is in reference to my HSBC Direct Savings Account # XXXX In XX/XX/2021, I received a solicitation message from HSBC bank about the availability of a new multicurrency account called XXXX XXXX. I immediately opened the new XXXX XXXX  account ( Exhibit # 1 ) and on XX/XX/2021, I converted {$100000.00} into Euro currency receiving EUROXXXX. In XX/XX/2021, I received a communication from HSBC stating that I need to close my XXXX XXXX account by XX/XX/2021, otherwise If your XXXX XXXX Account remains with a balance after this date, we will automatically convert any foreign currency balances in your wallet at the current FX rate and deposit the USD equivalent into your US HSBC deposit account. We will then proceed to close the account on your behalf. Basically, HSBC Bank is forcing me to convert my Euro money into USD and take a financial loss of {$5000.00} or more. On or around XX/XX/2021 I called HSBC Customer Support Hotline to let them know that I do not intend to take that loss. I also reiterated that its HSBC Bank obligation to hold me harmless from any risk or loss arising only and exclusively from its management decisions. HSBC Bank NEVER disclosed to me that the XXXX XXXX account will have a limited life and duration when they enticed and solicited me to open that account in XX/XX/2021 ( Exhibit # 2 ). Having said that while reiterating my strong resistance to convert my EURO currency into USA and take a huge loss I requested the following : 1 ) My XXXX XXXX account to remain open until I deem convenient for me to close it. 
OR 2 ) HSBC Bank transfer my EUROXXXX money into my external EURO account without converting it. 
OR 3 ) HSBC Bank transfer my EUROXXXX money by converting it into USD and credit {$100000.00} into my HSBC Direct Savings account so to hold me harmless and avoid any financial loss. 
Since then, I did not receive a definite answer from HSBC bank other than a callback promise that never came. This is the reason for my complaint with your office. Hopefully you can assist me to protect my assets and avoid a financial loss arising from HSBC Bank management. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-09-23
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. (VA)

On XX/XX/XXXX I got a credit report alert that XXXX account had been updated to show a balance of XXXX dollars. I contacted XXXX bank because that information was inaccurate as I had made a payment in that exact amount on XX/XX/XXXX to bring my account to a XXXX balance and they reported on the XX/XX/XXXX as a balance of XXXX Additionally, they updated my report 16 days before my statement cut date. I sent them proof of the inaccurate reporting on my report and I received a letter that there was no error everything was reported correctly this XXXX me off that they are allowed to manipulate and lie and drastically impact peoples scores with the lies.