davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

On XX/XX/2022 at XXXX, I deposited {$900.00} into an ATM at XXXX bank at XXXX XXXX XXXX XXXX I bank with USAA, which has no physical branches or ATM 's in my area. I used XXXX because it is considered an " accredited '' ATM for USAA. At the end of the transaction, the deposit did not go through, and the ATM kept the {$900.00}. 

I disputed this with my bank 3 times to no prevail, and XXXX provided me with information to bring to USAA so they could solve this between the banks. Nothing has been resolved. 

Here is the information : XX/XX/2022 XXXX EST Local Terminal ID : XXXX Debit Card Number Trace number : XXXX Transaction Amount : {$900.00} Thank you very much for your help.
Consumer complaint received 2022-01-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (VA)

I Applied For A Checking Account Recently And Got Denied I Then Checked My XXXX Report And Noticed A Account For XXXX XXXX XXXX XXXX XXXX Bank ) Account # XXXX Creditors Account # XXXX I Also Received A letter Of This " Alleged Debt '' That Is Owed I then Contacted This Company With A Debt Validation Letter Asking Them To Validate The Debt On XX/XX/2021 The Company responded By Sending A Letter With A Balance On It For Amount Thats " Allegedly '' Owed Also They Had On Letter " This IS A Attempt To Collect A Debt '' This Is A Violation Of 15 USC 1692 ( b ) ( 5 ) I then Sent Them A Affidavit Of Truth On XX/XX/2021 With Proof Of The Violations Also A Cease And Desist Letter Asking Them To Stop Reporting This " Alleged '' Account To XXXX With A Invoice For {$8000.00} For Their Federal Violations Transworld Systems Has Caused Me Great Stress, XXXX, Mental Anguish I'm Unable To Get Approved For A Home Loan Because This Is On My Chexstsystems 15 Usc 1681 ( a ) ( 4 ) Transworld Systems Was Unfair in reporting this Erroneous without consulting with me first the consumer And 15 USC 1681 ( b ) ( 2 ) I Never Gave Transworld Systems Written Instructions To Furnish This On My Credit Report I Plan To Seek Litigation And Also I'm Going To Take To Social Media About How They Are Violating The Consumser Rights That Governs Me And I Will File A XXXX  Complaint And Attorny General
Consumer complaint received 2019-07-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (NJ)

I am refinancing my loan with TIAA Bank. They have had the loan for 15 years and I am just looking for a rate and term refi. In the 15 years I never had a late payment. 

The appraisal came in and I have a 60 % LTV, and a DTI of 30 %. They have taken about {$900.00} for fees and seems to have done everything they just keep stalling closing -- and they don't explain or respond to any emails. 

This feels like a scam to me.
Consumer complaint received 2022-09-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this account under Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable item/account/information below : XXXX  XXXX Date Opened XXXX XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2022-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

FedLoan Servicing is not honoring the Department of Education 's waiver for the XXXX XXXX XXXX XXXX program. I currently qualify for forgiveness on my student loans but FedLoans is not processing my application. If I call, I am given misinformation based on pre-waiver guidance. I have spent hours on hold only to reach a representative that tells me to continuously submit employer certification forms. All of my loans are currently eligible for forgiveness. I had to fight FedLoans to restore payments from XXXX - XXXX for over 5 years ; I requested manual review of my account and restoration of payments beginning in XXXX. My account was not reviewed and the missing payments were not restored until the Massachusetts XXXX settlement with FedLoans, which occurred in XXXX. 5 years of calls, emails, inquiries, to restore 18 months of missing payments. The ongoing struggle of fighting this predatory servicer has taken a toll on my quality of life. I have filed complaints with the Massachusetts XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and now with your office. When I called today, I was told it will take 6 months to process my account. Such lengthy timelines are unnecessary and unacceptable. Many people are losing hope in this process, once again. The waiver made XXXX worse, not easier, for many borrowers.
Consumer complaint received 2021-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Transunion still have not updated by credit card history it is showing that I don't have credit card history, as a result my credit score is low ... ... this is the third time I have reach out to this Credit Bureau and they still have NOT correct the issue. 

Sidenote : ( 1 ) my scores with the other 2 credit bureaus are excellent ( 740-750 range ) ( 2 ) Transunion score is XXXX
Consumer complaint received 2022-09-28
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. (CA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX  XXXX XXXX  XXXX Date Opened XX/XX/2018 Balance : {$530.00}
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. 
I m disappointed! I dont know how to delete it from my name I dont understand why you put this negative information on my account. 
Im sure that someone used my personal information and applied for it
Consumer complaint received 2019-07-08
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. (FL)

I went to a presentation by XXXX they asked my information and told me that the type of request they were doing with my credit would only be a soft request and would not affect my credit at all. This was in XXXX of XXXX, my credit report shows that it is a hard request and it does effect my credit until XXXX. They lied to me and I want it removed from my credit I just don't know how to get it done. Can you help me? 

This is what is showing on my credit show as a hard request and so it is effecting my credit : XXXX XXXX XXXX Inquiry from XX/XX/XXXX Mortgage Cos.
Consumer complaint received 2022-01-28
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. (IL)

to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-04-12
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. (OH)

On XX/XX/2022, Transunion ONCE AGAIN VIOLATED MY RIGHTS AND I AM AT WITTS END. I sent a notice letting them know the information reporting on my credit file is inaccurate and I demanded a complete and thorough investigation of how they concluded the information they are reporting is true and accurate. A few days later, they ADDED YET ANOTHER INNACURATE NEGATIVE ACCOUNT to my consumer report without my written permission per 15 USC 1681b ( a ) ( 2 ). This account is from XXXX XXXX XXXX for {$120.00}, whom I have NEVER did business with. I don't owe anyone money and I am sick and tired of Transunion navigating as if they are above following the law.
Consumer complaint received 2024-03-08
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. (NC)

On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late.
Consumer complaint received 2022-01-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

I hope all of you are doing well as of this moment. I was checking on my credit report and I found erroneous information and I was very disappointed to see it on my report. I am writing three credit bureaus to update or remove this items. I hope someone will help and take action on this matter ASAP. I listed the companies showing on my report : Experian : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX XXXX : Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX I know for certain that this is a violation of the law as mentioned in the following : 15 U.S. Code 1681 b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.
Consumer complaint received 2022-01-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (TX)

On or about XX/XX/2021, I entered into an auto retail agreement with Wells Fargo Auto Finance. Subsequently, I contracted XXXX and was unable to make payments on the vehicle as I was temporarily unable to work. 

I made contact with Wells Fargo Auto on or about XX/XX/2021. During the recorded conversation with a Wells Fargo Auto representative I requested a 'COVID 19 ' related deferment. The Wells Fargo Representative denied my deferment request stating, 'Wells Fargo was no longer offering a deferment program. ' The representative stated the COVID 19 deferment ended and as a result, I was not eligible for any type of relief. ' Additionally, to prevent repossession, the representative did not offer or allow me to make payment arrangements. 

However, to date, Wells Fargo has made available on its website the option for deferments options to its current customers who have fallen behind on payments for non specified reason. 

Although Wells Fargo was in possession of my current address, as I'd updated the address through the internet portal, 'it ' ( Wells Fargo ), refused to comply with government regulations in sending a 'Notice of Intent to Repossess ' to my current residence, although my current address was the physical location where my vehicle was repossessed. 

On or about XX/XX/2021, my vehicle was repossessed by Wells Fargo without proper notice and without affording me the same opportunity as other Wells Fargo customers. 

Wells Fargo has consistently FAILED to address each instance and/or violation listed above. 

The Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ), was designed to eliminate abusive, deceptive, and unfair debt collection practices. It also protects reputable debt collectors from unfair competition and encourages consistent state action to protect consumers from abuses in debt collection.

Wells Fargo 's actions are unfair as equal treatment was not provided to my account as was provided to other Wells Fargo customers who were allowed to take advantage of COVID 19 relief.

Wells Fargo 's actions are deceptive as 'it ' ( Wells Fargo ) was aware of my current present address, however, continued to send mailings and the 'intent to repossess ' to the incorrect address. However, when Wells Fargo illegally repossessed my vehicle they did so at the address which I provided as an updated address in their 'internet based ' portal. 

Wells Fargo 's actions were deceptive as 'its ' ( Wells Fargo XXXX representative refused to allow me to make a payment arrangement which would have prevented the repossession of my vehicle. 

IT IS WELL DOCUMENTED WITHIN WELLS FARGO 'S OWN RECORDS 'IT ' ( WELLS FARGO XXXX HAS MADE EXCEPTIONS BY ALLOWING OTHER CUSTOMERS WITHIN ITS SYSTEM TO TAKE ADVANTAGE OF THE COVID 19 DEFERMENT PROGRAM. 

Conclusively a thorough investigation is required.
Consumer complaint received 2022-01-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

I have made a payment to my vendor on XX/XX/2021. It was an ACH payment. 2 months later, we realized that the recipient didnt receive this payment. It was from Chase bank to Chase bank. I opened a claim, I went to the branch several times. Last week we went to a Chase branch with my vendor so they can open both accounts together and see the problem. Today, I learned that the claim is closed again without reason. I went to the branch, they talked with the claim department, they confirmed that they closed the claim by mistake. The amount is {$7400.00}. They accept that this amount is missing but it isnt my mistake or problem. My complaint is for the claim department of Chase Bank as well as Online banking department.
Consumer complaint received 2022-01-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Bread Financial Holdings, Inc. (FL)

" Comenity XXXX '' online bank provides high yield saving account ( HYSA ) service. 

On XX/XX/XXXX, I opened a HYSA account, and transferred some fund from my XXXX XXXX checking account. 

On XX/XX/XXXX, I transferred another sum of money from my " XXXX XXXX '' online saving account into this HYSA account in Comenity. 

On XXXX, I purchased 6 I-bonds from TreasuryDirect.gov. 

On XX/XX/XXXX, 4 out of 6 above transactions were denied by Comenity. Then, my HYSA was locked by the Comenit XXXX online bank. Then, I called the BANK customer service many times about those issues : account locked, as well as transactions denied. The customer service agents did not solve any issues for me, just told me they could not do anything. 

On XX/XX/XXXX, a Product Support of the bank, named " XXXX '' sent me a message to my online banking account, as follows : " % % % % % % % % % % % % A review of your account revealed potential security concerns and/or irregular activity. The use of your account has been temporarily suspended pending the completion of our investigation. In order for us to consider removing the suspension from your account, please send us the following documentation within 14 days of the date of this letter. Please send us photocopies of three documents : 1. A government issued ID. You can choose Either your driver 's license ( front and back ) or your state-issued identification ( front and back ) or your passport ( photo page ) or your military identification ( front and back ) And ; 2. Your Social Security card ( front and back ) And ; 3. The most recent ( within 30 days ) bank statement showing ownership of the funding account. The following information must be visible : 1. Full name & address 2. At least the last 4 digits of the account number Please send this information to : Comenity XXXX XXXX XXXX  XXXX XXXX, MO XXXX % % % % % % % % % % % % % % " This message made me suspicious of this bank. Then I sought online reviews about Comenity BANK. Astonishingly, the reviews for Comenity Bank are very bad, as shown in ( XXXX XXXX XXXX  ). 

Many customers had bad experiences similar to me. The BANK just wants to hold money in the bank, not allowing customers to use or transfer money to somewhere else. I do not trust them to handle my identity information : copy of my driver license, and copy of my SSN card. My identities would be in danger should I give them.
Consumer complaint received 2021-05-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (OH)

In early XXXX my binance account was suddenly restricted from being able to make trades or withdrawals. They said I need to verify my identity, so I submitted the appropriate information. After a number of days ( unsure of the exact number ) I was still unable to trade or withdraw funds, so I put a support ticket in on XX/XX/XXXX. My ticket number was XXXX. From that date until now, I have still been unable to trade or withdraw, and I have had no meaningful response from Binance other than saying they have a lot of tickets they have to process and they are behind. They have had my information for over a month to verify my identity, which is basically just my drivers license.
Consumer complaint received 2022-01-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (MD)

When you build a home from the ground up in the State of Maryland there are two ( 2 ) sets of taxes you pay at closing. Land Tax and Dwelling Tax. Because the Dwelling Tax bills are never ready at closing, the mortgage companies often estimate how much your Dwelling Tax Bill will be and put that in your closing costs. For us, they estimated {$3900.00}. The Settlement Company holds onto that monies for up to 45 days after closing waiting on the Dwelling Tax Bill ( which they call a supplemental tax bill and which the state calls a Consolidated Tax Bill ). If by 45 days after close the bill isn't rec 'd the Settlement Company sends you the money back and advises you to hold on to the money for when the bill comes. We got the Dwelling Tax bill on XX/XX/XXXX. I submitted the bill and made an online escrow payment of {$3500.00} to AmeriHome and asked them to use the remainder of what was in my Escrow Account to pay for the tax bill which is a total of {$5500.00}. On XX/XX/XXXX, I put in a status inquiry and was told that I already paid the taxes at settlement. They confused the Land Tax with the Dwelling Tax. I submitted the bill again and told them to pay attention to the XX/XX/XXXX due date and that I wouldn't have a due date on a bill if it wasn't due. Additionally, I reminded them if it was a tax statement would say this is a statement accounting and not a bill. On XX/XX/XXXX, XXXX rec 'd a call from someone at AmeriHome telling me that my taxes were paid. On XX/XX/XXXX I rec 'd another bill from our county tax office stating the bill was not paid, the bill is now {$5600.00} and that the county is in the process of placing a lien on my home because AmeriHome has not paid the taxes. I contacted AmeriHome on XX/XX/XXXX and spoke with XXXX who indicated that on XX/XX/XXXX ( see the date changes ) AmeriHome sent a wire transfer to XXXX to pay my taxes via check. The tax bill rec 'd on XX/XX/XXXX states that AmeriHome only paid {$410.00}. I'm now delinquent and owe {$5900.00}.