davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo mobile deposit hold policy, I deposited a check from XXXX XXXX  for {$920.00} on XX/XX/XXXX, on XX/XX/XXXX all the funds were available, I have made a few debit card purchases, and at XXXX XXXX on XX/XX/XXXX the deposit was placed on hold for the entire amount of XXXX, I called the Customer service department and was told the check was flagged " refer to maker '' On XX/XX/XXXX, I called XXXX XXXX and was told the check was paid on XX/XX/XXXX to wells fargo bank. I email a copy of the paid check to the XXXX XXXX and asked for a manger to call me. At XXXX XXXX called me and left a message from the branch and said I needed to contract the maker of the check. She did not acknowledge seeing the copy of the paid check. I called CS and asked to have this issues escalated and was told it would take 48 hours. Mean while my checking account was frozen with a negative balance and no funds until XX/XX/XXXX. when the hold would fall off. I did not know that a 7 days hold would be placed or I could have just gone to the branch to make the deposit and it was not even reasonable that the funds would be placed on hold after all the holds were release the next day after the mobile deposit. Once prof of the paid item was sent to the branch- the hold should have been removed.
Consumer complaint received 2022-05-20
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: EQUIFAX, INC. (GA)

I've contacted XXXX XXXXXXXX & they told me I've never missed a payment, yet the 3 Bureaus refuses to update me from being listed as XX/XX/XXXX to XX/XX/XXXX on this account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do 3 Bureaus job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update these damaging negatives from my profile.
Consumer complaint received 2018-09-18
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. (CA)

i have submitted a letter to transunion about some items that i asked them to verify with my name on them on XX/XX/2018, and they have not respond to the letter requested.
Consumer complaint received 2023-06-23
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. (NV)

This is my NUMEROUS request 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 Items 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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX U S DEPT OF EDXXXX XXXX XXXX : {$200.00} XXXX XXXX XXXXXXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX, XXXX XXXX Balance : {$0.00} US DEPARTMENT OF EDU XXXX Balance XXXX {$200.00} XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX XXXX  XXXX Balance : {$710.00} XXXX XXXX Inquired on XX/XX/2022 XXXX
Consumer complaint received 2021-07-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (CO)

I transferred {$400.00} from my Credit Karma savings account to my external Credit Union checking account. Its been 15 days and my transfer has not shown up. Credit Karma says it has been transferred. My Credit Union says they have no record of the transfer. I am now missing {$400.00} I transferred out of my Credit Karma Savings account into my external checking account. Customer Service is pathetic with no help in sight. They respond with confusing emails I suspect are written by someone without a grasp on the English language. My case number with Credit Karma is XXXX. I really need some help.
Consumer complaint received 2021-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Lending Club Corp (ID)

I opened a XXXX XXXX  account on XX/XX/XXXX through my friend 's referral link XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The referral bonus terms ( attached ) say that you only need to have {$500.00} in the account on the 60th day, which would be XX/XX/XXXX. On XX/XX/XXXX, I added funds to the account to get to a {$500.00} balance. I messaged support on XX/XX/XXXX if I satisfied the bonus requirements. She said yes and that I would get the bonus in 90-95 days. I asked if I could withdraw the funds and still be eligible. She said yes. I waited 96 days and did not receive the bonus. I asked support and they have changed the terms to have an average of {$500.00} over the first 60 days. These are not the terms I signed up for.
Consumer complaint received 2019-11-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (GA)

Asked for original creditor name and address never given, stole the car and sold it, paid off by debt instrument returned to company and asking for a debt that was paid and not owed to them they did not credit my anything by use of restricted securities account as trustee in the inducement of fraud acting as if the credited me as a consumer/ human/ natural person.
Consumer complaint received 2015-07-27
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CASHCALL, INC. (CA)

I received a loan for {$2600.00} to date I have paid over {$10000.00} I have asked to settle the loan because I am a single mom and the $ XXXX monthly payment has become a challenge. They denied my settlement offer. I continue to make the scheduled payments and they continue to call me on a daily basis saying that I am behind when I am not. I am on the verge of tears and I just cant take the calls anymore. They say they will stop calling because the see that I HAVE been making the payments but the calls and emails continue. Please help!
Consumer complaint received 2022-12-16
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: Experian Information Solutions Inc. (MD)

I do not recognize these hard inquires on my credit report. I have submitted a claim of identity theft in regards to them and reached out to each company. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

I was contacted by a company called XXXX XXXX  on XX/XX/2019. The representative, XXXX XXXX, left a message that said, this is a courtesy call regarding your claim in my office my intent at this time is to move forward by the end of the business day for whatever reason there was a failure to respond I also need to inform you my efforts were documented the claim has been verified and you were notified any concerns please contact. 
This was the first of me hearing about a claim and I wouldnt be able to respond because of that reason. When I called back to find out what the call was concerning, XXXX asked me my name and I said, XXXX XXXX, she proceeded to say, your name sounds so ghetto and hung up on me. I called back and asked who is this? She said that the XXXX police will be coming for me for receiving a credit card and stealing {$1800.00} from HSBC. I couldnt believe she called my name ghetto, accused me of stealing and the extremely rude attitude. I immediately called HSBC because Ive never had a credit card from them. HSBC does not have any information about me or a debit that I owe. 
I called XXXX XXXX  again and this time a man answered and disclosed to me that they have my full name, address, telephone number, social security number, the car I drive and threatened to sue me and put a real property lien on my car. I do not have a debt with HSBC MasterCard or XXXX XXXX. A credit inquiry doesnt show on none of my 3 credit reports nor does this debt. 

Ive called the XXXX, Federal Trade Commission, and put a fraud alert with the credit bureaus on my reports. My next step is to make a police report.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Possible Financial Inc (TX)

After reviewing my credit report I discovered that there is an account on my report that is hindering my credit worthiness without my permission. This is in violation of my rights. 

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 an account without my written instructions
Consumer complaint received 2015-12-31
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I have been notified tht Huntington Mortgage has filed a lawsuit against me. I have never had a mortgage with Huntington at all. 

I was the executor of the estate of XXXX XXXX XXXX who died in XXXX. At that time, I contacted the bank to receive information as to how to dispose of the property. 

I eventually was able to ascertain how to sell the property and then recontact the mortgage holder to sell the property in accordance with the inheritors wishes. 

The Huntington would not provide anyone with the accurate pay off balance and even after being contacted by the attorney handling the sale, would not provide any information to anyone. They filed a lawsuit to foreclose on the property on XXXX XXXX, when the property was sold on XXXX XXXX. The purchase was made in person to the Huntington Mortgage office located at XXXX XXXX XXXX, XXXX, Ohio XXXX I have received harassing telephone calls from Huntington Mortgage and they STILL would not provide the me the information necessary to dispose of the property. On the advice of cousel, we sold the property on XXXX XXXX XXXX and this was done via a certified cashier 's check.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

After reviewing my credit report I discovered that there is an information on my report that is hindering my credit worthiness without my permission. This is in violation of my rights. 

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 an account without my written instructions
Consumer complaint received 2022-05-20
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. (GA)

I've contacted XXXX XXXXXXXX & they told me I've never missed a payment, yet the 3 Bureaus refuses to update me from being listed as XX/XX/XXXX to XX/XX/XXXX on this account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do 3 Bureaus job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update these damaging negatives from my profile.
Consumer complaint received 2024-04-09
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: EQUIFAX, INC. (TX)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2021-11-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Friday XX/XX/2021 we sent {$5000.00} from our ( my and my wife 's ) joint account in Bank of America to my account in the XXXX XXXX XXXX XXXX. The clerk in local BoA office tried to enter the XXXX XXXX XXXX XXXX IBAN code we offered her, but for some reason this attempt was failed. Then she has used the XXXX XXXX XXXX code ( XXXX ) and account number. Only later we learned that now it is necessary to add 'XXXX ' characters at the end of XXXX code that contains less than 11 digits ( i.e. XXXX  in our case ). As we later found other bank system ( e.g. in XXXX XXXX ) automatically adds these XXXX ( and supposedly along with bank account number creates IBAN code ). However, the BoA system didn't add these characters and it allowed to enter my XXXX XXXX XXXX account number. As a result this transaction was successfully completed from the BoA side, but I received no money at my XXXX XXXX XXXX account until now. It means that the Bank of America system sent money nowhere. Moreover, it looks that the BoA wire transfer system is obsolete, while the local BoA personnel are incompetent, being unaware of recent changes. 
The service the Bank of America provides the customers is absolutely terrible. We have another complaint that confirms this our conclusion. But it is different story.
Consumer complaint received 2019-01-24
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. (CO)

I've sent in disputes and also spoke so individuals in the office of consumer affairs about these unauthorized inquries and was told that they could not dispute them and to contact the companies listed which I did and was told to dispute it with the credit bureau.
Consumer complaint received 2023-03-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (AZ)

I have been permanently banned from using Venmo/PayPal for what they say is a violation of their User Agreement. I have spoken to them on the phone and communicated through email asking that they explain which activity of their User Agreement that I violated. This is the only response they will provide : please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity. Between the two services I have made roughly 8 transactions all to either family members or coworkers. What is the point of having a User Agreement if they refuse to tell the customer what they did wrong.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (GA)

I have sent certified mail to XXXX XXXX and XXXX with documents support my dispute. They have violated my consumer rights,. 
They have not removed the accounts from my credit report and i am demanding them to do so.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that a consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you in violations of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 
These accounts should not be furnished on my consumer reports they in violations Under, 15 U.S Cod e 1681b Permissible purpose of consumer reports ( a ) IN GENERAL ACT following circumstance and no other : ( 2 ) In accordance with the WRITTEN INSTRUCYTION of the consumer to whom it relates. I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights a s a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed Immediately.
Consumer complaint received 2024-04-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: MECHANICS BANK (OH)

I am compelled to seek your immediate intervention with Mechanics XXXX XXXX due to unresolved issues on my credit report. Despite my diligent efforts, including sending a certified letter, which was returned, the company continues to report negatively on my credit. Over XXXX years, I paid over {$60000.00} on a {$40000.00} loan. After losing my job and facing financial hardship, the vehicle was repossessed and auctioned, yielding an additional {$20000.00} for the company. In total, Mechanics XXXX XXXX has made approximately {$80000.00}, double the amount I initially paid, and yet, they persist in damaging my credit. 

This practice is not isolated to me ; thousands are affected by such unfair reporting, which hinders our ability to secure employment and obtain credit. The attached letter corroborates my attempts to resolve this issue. 

Account Details : Lender : Mechanics XXXX XXXX Balance : {$11000.00} Account Number : XXXX I implore the CFPB to thoroughly investigate Mechanics XXXX XXXX reporting practices and to ensure the correction of my credit report. Your prompt and decisive action on this matter is crucial.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (FL)

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX
Consumer complaint received 2019-11-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (NC)

I bought a car in XX/XX/XXXX. I made my first payment for the exact amount due in XXXX of XXXX. After that I made a payment before the due date in person with the teller. I paid an additional {$30.00} the next month and asked the additional amount to be applied to the principal. Fast forward to XXXX of XXXX when I paid an additional {$1500.00} toward the principal and that is when I realized the bank was not applying my payment correctly ( toward the principal balance as requested ). I was told to leave the bank and I was given an 800 number to call and ask to have each payment applied as I wished. That process started in XXXX of XXXX and that phone call lasted over an hour. At that time I requested a payment history of my account and was told it would be mailed. That request was never received. In XXXX I walked into the bank and paid an additional {$530.00} above my normal payment and again requested the difference to be applied to principal. After the same happened in XX/XX/XXXX I asked someone in the branch to call the servicing Dept. At that point I asked again for the payment history. It was finally mailed XX/XX/XXXX showing next payment due date of XX/XX/XXXX ( 2 months in advance ) In XXXX I made another {$1500.00} payment toward principal. At that point I was tired of the extra hassle of trying to pay extra on my loan that I asked for a payoff. When I was given the payoff amount it didnt reflect all of the extra payments I had been making. I was repeatedly told the extra payments were being applied to future payments. When I questioned this amount I was told it would take up to 14 business days to get back. At this point Im going to pay off this loan and will take them to court to get my extra payments and over payment on the interest I was charged. Terrible service
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to remove immediately : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$160.00} XXXX XXXX Balance : {$32.00}