davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I've been involved in the below fraud. XXXX  XXXX XXXX and XXXX XXXX keep saying " speak to my bank '' I requested a wire recall over 6 weeks ago originally. That was somehow lost. I've been scammed out of a significant amount of money ( over {$120000.00} in total, {$65000.00} from XXXX ) and I feel like my bank has done nothing to assist and the other banks won't speak to me because I'm not a customer. I need my bank to go to bat for me and get the money bank and have an open line of communication with me. 

XXXX XXXX Case Fraud number : XXXX XXXX  XXXX XXXX Fraud Case number : Claim # XXXX and Claim # XXXX I was involved ( the buyer ) in a real estate transaction where XXXX XXXX called my title company and said they wouldn't release the funds to the seller because they were running a deed fraud scam and the name on the account did not match the account number. Today has marked 7 weeks. This was not able to be recorded obviously because it was flagged as fraud. A wire recall was supposedly requested by XXXX  XXXX XXXX as requested by XXXX XXXX over 6 weeks ago. I cant get any information at all. The title insurance wont pay out because its fraud and XXXX XXXX said theyd return the funds. XXXX  XXXX XXXX won't answer any questions regarding this case either. Both are pointing the finger and saying the other bank isn't responding. If XXXX XXXX is looking to make sure the case was fraud before returning the funds my title company sent hold harmless over two weeks ago, but also if you need proof that it is fraudulent ( and it's the first thing I noticed that the title company should have caught ) is that the notary stamp on page 6 ( below ) you can look up commission ID 's on Pennsylvania 's department of State website and can see that the name does not match the commission number. If you call the notary with this commission number ( her number is in the department of state directory ) she confirms she did not notarize this transaction. The Driver 's license provided as ID to the closer the DL number does not exist according to the records. I can't get any answers from anyone on this they keep telling me to speak to my bank, but my bank has said XXXX XXXX and XXXX  XXXX XXXX aren't responding. Thank you for your attention to this matter, XXXX XXXX ( XXXX XXXX XXXX XXXX )
Consumer complaint received 2023-03-24
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)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: STATE EMPLOYEES CREDIT UNION (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2022-07-27
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. (NY)

It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying items recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00} ; XXXX  Date of Inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$4400.00}
Consumer complaint received 2019-01-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (SD)

Hi, I enrolled in a Citibank offer where if you transferred {$50000.00} into a savings account within 30 days and leave it for 60 days then you received a {$600.00} bonus. I just called Citibank and they claim that I did not meet the 30 day requirement. I opened the account XX/XX/XXXX and I did not receive the information to transferred funds into the account until XX/XX/XXXX where I did transferred {$50000.00}. However, even though I provided all the correct information Citibank rejected the transfer. So on XX/XX/XXXX I had to transfer {$50000.00} again. Both of the days I transferred were before the 30 days. However, the money did not make it into the account until the XX/XX/XXXX. Citibank made it impossible for me to meet their 30 day criteria by delaying when I could open the account and rejecting my transfers. I would greatly appreciate if Citibank honor the {$600.00} bonus because I made my best efforts to meet the 30 day requirement but because of Citibanks actions I could not. Also, my other savings account has a much higher interest rate so leaving the money in Citibank cost me hundreds of dollars, which the {$600.00} would help offset
Consumer complaint received 2022-07-27
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. (NC)

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 XXXX XXXX XXXX XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-08-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (MD)

I am a long time account holder with PNC bank. I have a personal checking and savings account with them. I also have a home mortgage with PNC. My federal retirement check is direct deposited with them each month. Today I go into one of their branches to cash a rebate check in the amount of {$3.00}. I give them my account number, show them a personal book of checks, and my state issued drivers license and they refuse to cash the check.
Consumer complaint received 2022-07-27
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. (NC)

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 XXXX XXXX XXXX XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-07-27
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. (NY)

I'm XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2019-01-12
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ditech Financial LLC (TX)

I requested a payoff amount for my mortgage and finally saw a payoff letter online in my account. 

Their system will NOT allow an online payment less than the usual automatic auto-payment amount ( I've dealt with them on this before! ) and to be very clear on what payments were made, I waited until my auto-payment was deducted on XX/XX/19. 

Then, I made an online payment of the balance of the pay-off amount in my pay-off letter on XX/XX/19. The payoff amount is good until XX/XX/19. 

I am very excited and anxious to get the release of my mortgage so thank goodness I am watching this carefully. Yesterday, I get an email with my new monthly statement. It reflects my XX/XX/19 auto-payment and shows the final payoff amount I paid as an " unapplied amount. '' The " more information '' under that says that they will hold these funds until the next payment due date, which for my account is XX/XX/19. Past my pay-off date, which would mean there would be additional nominal fees needing to be paid. 

This is completely unacceptable! 
When I made the online payment, I indicated that it should be made on XX/XX/19 - if they aren't going to apply funds when indicated by the customer, rather just apply them per the usual schedule, they need to make that clear. Actually, they shouldn't be allowed to hold customer 's payments past the date the customer indicated - they are earning interest for those days held, ill-gotten and illegal gains, in my book. 

I have hated every dealing with this company for the last few years since they bought my mortgage. They have incredibly XXXX and misleading practices for customers that I think are appalling. 

Please investigate them and DO SOMETHING!
Consumer complaint received 2022-07-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: FIRST HAWAIIAN, INC. (HI)

I'm a loyal customer of First Hawaiian Bank ( FHB ), and in early XXXX, I opened an installment loan with FHB ; the term was XXXX months, and I arranged for automatic payments/withdrawal. Unbeknownst to me the final payment could not be made automatically, but rather require manual payment. 

I received notice in early XXXX that my final payment was past due because it was not automatically deducted and that I needed to make the final payment manually. Up until the final payment, I had never missed a payment. 

I called FHB on XX/XX/XXXX, and informed them that I didn't know the final payment had to be made manually, and that I could wire payment immediately. I was told if I initiated the wire transfer that day, I would be within 30 days of the due date, and therefore, it would not be reported to the credit bureaus as late. 

On XX/XX/XXXX, I received a call from FHB that payment was received and they would not report the final payment as late to the credit bureaus. 

In XX/XX/XXXX, I reviewed my credit report and noticed FHB did, however, report the payment as late -- and it affected my credit scores negatively by over XXXX points. 

I called FHB on XX/XX/XXXX, and left a message with the loan department to inquire about the situation. On XX/XX/XXXX, I called again and was told the loan department was unavailable but that a message would be left on my behalf and the loan department would return my call. On XX/XX/XXXX, having not yet heard back from the loan department, I called FHB again -- and once again was told the loan department is unavailable.
Consumer complaint received 2021-04-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (MA)

I opened an account with Crypto.com and started investing in cryptocurrency. For the first two weeks I was able to purchase and convert crypto with no issues. About two days ago I received a message that said that I made a withdrawal from my account but I never made a transaction to withdrawal any cash as my goal is to invest in the long term. The transaction was made around XXXX XXXX  which raised red flags. The next day I sent an email to Crypto.com explaining the issue and a representative sent an email explaining that they take fraud very seriously. I received another email requesting for me to send a selfie and a piece of paper with the date, my full name and Crypto.com written on the piece of paper which I emailed XX/XX/XXXX. No one has gotten back to me to help me with the situation. I went back into the app to log in and none of my crypto assets were showing on the app. What I was able to see was only the amount I had in the account. I kept on trying but it wasnt working. I started to get a little suspicious and I believe my account is locked as I can not buy crypto or convert my crypto in my account. I have no access to my funds. Ive sent countless of emails and I keep getting an automated response from Crypto.com customer service. The amount in my account is {$1100.00} and the email associated with my account is XXXX. What I want is access to my funds. 

Thank you
Consumer complaint received 2020-10-28
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

I had my mortgage over 30 years. Select Portfolio servicing bought the mortgage. I was in a modificaton. When it ended I was informed that the maturity date on my mortgage came. I am being denied any type of hardship. Now they are threating to foreclose on my home. I am a senior citizen and a XXXX veteran and I don't want to loose my home. Please help me
Consumer complaint received 2021-07-14
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 30 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-07-27
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. (MO)

When I reviewed a copy of my updated credit report, I discovered that some of the accounts are erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2018-08-04
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Global Resolution Group, LLC (AZ)

Gr group /global resolution keeps calling me in regards to a pre legal debt. I have never recieved any letters or notices. They have reached out to family and friends to tell them there could be a judgement against me for a debt and for them to reach me. Harassing me and my family and I don't even know for what debt. They are illegally disclosing information.
Consumer complaint received 2019-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

My scores are whacked from all 3 bureau 's, photo included I have a higher score than what's shown These people are uneducated and are messing with people. How can I go from XXXX to XXXX in 1 day?,,
Consumer complaint received 2020-09-23
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. (GA)

Im process of buying a house and got a notification that a new collection account from XXXX XXXX XXXX # XXXX has been placed on my account. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX and never had XXXX XXXX XXXX. It appears someone in the building compromised my identity. Please remove this account.
Consumer complaint received 2019-01-12
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. (IL)

One account being reported as two collections. XXXX/XXXX   XXXX  and XXXX XXXX XXXX ...
Consumer complaint received 2021-07-14
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

disputing fraud accounts that are showing up on credit report as of recent. The companies seem to be ignoring my calls regarding these disputes and I really need these fraud accounts removed as I've been a victim of Identity theft due to lax in all the account securities in the companies
Consumer complaint received 2020-12-16
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 a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX, XXXX and Trans Union Why do the below inquires appear on my credit report. Aren't you aware that you must enforce the permissible purpose provisions of the Fair Credit Reporting Act? 
Prove to me that the inclusion of this inquiry complies with this federal law, or remove it now. 

XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Trans Union XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX