davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-13
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: CREDIT ACCEPTANCE CORPORATION (AL)

I PULLED MY CREDIT IN XX/XX/2020. I DISCOVERED INACCURACIES ON MY CREDIT REPORT I FILLED OUT AN IDENTITY THEFT AFFIDAVIT AND REPORTED THE INCORRECT INFORMATION TO ALL THREE BUREAUS AND CREDIT AGENCIES. THERE HAS BEEN NO RESOLVE TO MY COMPLAINTS.
Consumer complaint received 2017-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

We were flooded by Hurricane Harvey in XXXX, Texas. I have flood insurance through XXXX XXXX XXXX XXXX, XXXX XXXX. My member number is XXXX since XXXX. I received a closing flood claim payment from them around XXXX XXXX, XXXX in the amount of {$75000.00} ( check number XXXX ). I took it to our Bank of America branch,  our mortgage is also with Bank of America. The financial adviser in the bank called their corporate office as the branch is unable to approve the deposit before they get the OK from corporate. Again, my check paid from my flood insurance account can not be cashed before the BofA corporate office approves it to be processed. I do n't understand and neither did the bank 's branch financial adviser. No reason for the delay was given to me or their financial adviser at the branch other than this is the process. It is now over 15 days since I tried to deposit the check so I could pay contractors repairing my home. The check was sent to the corporate office. BofA never advised me to take out flood insurance, never paid any portion of the premium, never called me after the flood, never sent out anyone to inspect the damage. They have offered no help at all!! How do they get away with causing us more suffering and pain. Are they getting a kick back somehow by delaying payment? Congressman XXXX XXXX suggested I contact you for help. This is wrong for a bank to do this.
Consumer complaint received 2021-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

scam robocall for a credit company. an automated voicemail that said : Hello, this is XXXX  calling from the underwriting department regarding your capital one credit card account. Based on your recent payment activity and balance you maybe eligible for an interest rate reduction to as low as 1.9 %. Theres additional information I need to confirm ... call ... .at XXXX XXXX XXXX XXXX XXXX .... Call from ( XXXX ) XXXX United States XX/XX/21 at XXXX Call from ( XXXX ) XXXX XXXX XXXX TX XX/XX/21 at XXXX XX/XX/XXXX I dont have a credit card with capital one I am on the National Do Not Call registry
Consumer complaint received 2018-01-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC (NY)

On XX/XX/XXXX the XXXX XXXX XXXX parked a debt, which I do NOT OWE on my credit report, thus damaging my credit rating. 

I have reached out to XXXX XXXX XXXX on the phone on XX/XX/XXXX and on XX/XX/XXXX asking the company for validation and back-up documentation. To date ( XX/XX/XXXX ) they have provided no written form of validation or proof. 

At no time has XXXX XXXX XXXX contacted me about this debt nor did it notify me it would report this to the Credit Agencies. 

XXXX XXXX XXXX failed to validate the debt or provide any proof to me that I owe this money or that the debt is valid. 

XXXX XXXX XXXX provided false information to the XXXX and XXXX credit agencies claiming that the date of the delinquency was XX/XX/XXXX. This is a lie, as I was never a XXXX customer at that time. 

These debt scavenger activities employed by XXXX XXXX XXXX appear to be in violation of the Fair Credit Reporting Act.
Consumer complaint received 2021-03-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN FINANCING CORPORATION (CO)

Six weeks ago ( beginning of XX/XX/2021 ), we contacted several lenders to get refinance offers. We received four of them with identical interest rate quotes. Three of the four had closing costs and monthly payments that were very close to each other as well. However, we wanted to support the local lender, even though their closing costs were not the lowest, so we went with American Financing. 

Both my wifes and my credit scores are over XXXX. My income is more than adequate to cover the loan. Loan to value for the home would be about 65 %. When American Financing requested documents, we always provided them within 24 hours of the request. In short, everything appeared to be going well until a week ago. 

A loan processor contacted me two weeks ago and let me know we would be closing on the loan this week ( XX/XX/2021 ). Late last week, I got a call from a loan consultant, letting me know that, since we applied for the loan and they supplied the loan estimate and closing cost worksheet, interest rates had risen, and they could no longer offer us the loan at the rate they quoted us. They wanted to charge me XXXX of a point higher than what they had quoted. 

When speaking with most of the lenders the very first time, they specifically asked us if we wanted to lock our rate at what they were quoting us. We always said yes. This has been standard procedure for all of the six mortgages Ive had in my life over the last 30+ years, and the rates were always locked, regardless of what happened to market interest rates. Im now being told by American Financing that, because of COVID, they stopped locking rates until the loan was approved by underwriting. 

It was no secret that rates were increasing when we applied for the loan. Thats the whole point in locking the rate. But instead of honoring the rate that they quoted us the quote that convinced us to go with American Financing theyve now decided that their bottom line is more important. Sure, rates went up during the five weeks it took them to approve the loan. But that delay had NOTHING to do with us ; as I said, we always provided what they requested within 24 hours. 

Heres the bottom line : American Financing saw that rates were rising, and they didnt want to get stuck with a loan at a lower rate. So they took their time through the underwriting process until the rates were closer to what they wanted to charge. Then they ignored the rate they quoted us so that they could make more money, regardless of the effect it had on me, the borrower. So while Im waiting more time than other lenders had promised ( some as little as 2-4 weeks ) again, thinking, Its okay ; Im supporting local business American Financing is taking their time so they can raise my rate and not honor the document on which I made my decision. So it looks like we may have to start all over again, and we likely wont get the same rate we would have if we had gone with another lender to start with.
Consumer complaint received 2018-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

Having a PayPal account that I use for XXXX etc ... with a XXXX visa card was removed and replaced with a Walmart master card that was not activated by me, when I called Walmart they would not give me an explanation on this matter of how the card was used or got into my computer without my consent and said the card did not have to be activated and that it was just for in store purchase, again I asked how did this get into my account with PayPal, no answer was provided. also contacted synchrony bank and PayPal with no results. After closing a account with Walmart about 3 months ago they still sent a new card which was not used by nor activated by me. Dates of use are XXXX to XXXX with a amount of {$600.00} and the reason I discovered this was declined payment on XXXX  purchases thru the holiday shopping and seen wall mart in place of XXXX visa.
Consumer complaint received 2022-12-14
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. (MA)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2021-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The following inquiries are not of my doing, nor was they authorized by me by any means, therefore they are fraudulent inquiries, so I'm demanding that these unauthorized inquiries are removed from my credit file. 


XXXX  ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX  ( XXXX ) XXXX ( XXXX )
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (GA)

On XXXX XXXX 2017, i sold XXXX LTC which at the time was worth {$150.00}. As of now it has been 3 weeks since i sold the virtual currency and i still have n't received any form of payment.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX has violated 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 finish a account without my written instructions
Consumer complaint received 2020-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (FL)

WELLS FARGO FRAUDULENT CHECK CASHING ON MY BUSINESS CHECKING ACCOUNT 1. Wells Fargo cashed TWO checks that do NOT have my signature on them. One on XX/XX/XXXX and another on XX/XX/XXXX. I first reported fraudulent activity by phone. They set up an appointment which was supposed to be with a business banker. They told me to go into a branch the banker would finish the process. After having to pay for parking in another location, the branch does not have parking I met with : XXXX XXXX XXXX, Personal Banker II Wells Fargo Bank, XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX, FL XXXX XXXX XXXX Tel XXXX | Fax XXXX After XXXX finished playing with her new XXXX, she supposedly reverified my business information even though my checking account has been open with them since XXXX. 

They then shut down my account because they even detected FRAUD yet they refuse to reverse transactions on two of the checks that I DID NOT SIGN. The signatures no where near match my signature. 

Suddenly, I no longer had access or the history of the information on the old account. To make matters worse - Wells Fargo does NOT show check copies on their monthly statements and after my account was closed for FRAUD, I could no longer access the information such as past check copies via the online portal. They promise to keep information online for digital customer for 7 years. That is not true. This information is NOT on the monthly statements. 

To try to help, XXXX promised to review all checks for incorrect signature matches. She didn't but she did send me nasty demanding emails. Being distracted by her new XXXX, she had failed to have me sign something. 

To further make matters worse, I could never see what I was signing because the signature pad is not connected to a screen that can be read. 

When I finally went through my statements and balanced my books with my bookkeeper who found two additional checks that had been cashed by Wells Fargo that we did not write. One was for XXXX/XXXX for {$2400.00} and the other on XX/XX/XXXX for {$4000.00}. 

I asked for print outs of the checks. Supposedly they could not access the checks to digitally send to me. After weeks of waiting, I received the mailed the copies. 

When I received the copies by mail I immediately reported them as fraud. They are not my signature nor are they in my handwriting. 

XXXX proceeded to call me for a very long time with voice messages to come back to the bank. I offered to meet her at my place of business but she stated she was not allowed to bring paperwork to me that it was all digital. In short, Wells Fargo customers and consumers are being manhandled by someone somewhere. I will be moving banks but first I need MY MONEY back. 

See XXXX XXXX  emails regarding my signature and response in the Attached Labeled : Wells Fargo Fraudulent Checks 2. Wells Fargo also cashed checks that had a XXXX  XXXX XXXX logo with my account and routing number on them. I am trying to locate these screenshots. They are trying to cover this up.
Consumer complaint received 2021-07-13
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. (MO)

There's an unknown account on my credit file inwhich I have absolutely any knowledge of, therefore I'm demanding that this account be removed immediately from my credit file. 

1 ) XXXX XXXX XXXX
Consumer complaint received 2018-01-09
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: EQUIFAX, INC. (OH)

I have been informed from Equifax that I was effected by the data breach. After applying for Credit limit increase I was told one of the reasons were due to public records. After contacting Equifax and speaking to their representative, he stated there was an unauthorized data associated with my name and that he will update the information. I noticed that there were unauthorized inquirers on my report, so I 've contacted Equifax again and explain that to them the unauthorized inquires as well as how I was told I was effected by their data breach. The representative stated that he will go ahead and removed inquirers but before the call was disconnected I was told it was disputed. 3 days later I receive email that the inquires were factual, in actuality they are not and I 've explain this to Equifax.
Consumer complaint received 2018-01-09
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: EQUIFAX, INC. (FL)

Following the receipt of my credit report late last year from the Equifax, XXXX and XXXX consumer reporting agencies, I learned of an adverse account from XXXX/XXXX. Said account reported to all three credit reporting agencies under account number XXXX, with a customer number of XXXX. 


I never had an account with XXXX. Disputes with the credit reporting agencies were for naught as XXXX/XXXX mere confirmed the accounts. I complained to XXXX - in writing - and even completed two separate fraud affidavits received by this creditor. They were also ignored with an explanation that the account was not misused. 


Once again - I never maintained an account with XXXX/XXXX. This company ignored my concerns despite evidence of identity theft, a return of the required affidavits, and the existence of a fraud alert on my Equifax, XXXX and XXXX consumer credit profiles. 

I now file my complaint to the CFPB seeking relief.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to 605B, this account should be removed promptly. I'm angry about it being on my credit record, and it's not even my account. Its presence has upset me, and I feel unwell because of this situation.
Consumer complaint received 2022-04-01
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX has violated 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 finish a account without my written instructions
Consumer complaint received 2024-02-20
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. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 Balance owned : {$0.00} XXXX XXXX Balance Owned : {$1300.00} XXXX/DOFED XXXXXXXX Balance owned : {$0.00} XXXXDOFED XXXXXXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owned : {$0.00} XXXX XXXX Balance Owned : {$0.00} XXXX XXXXBalance Owned : {$0.00} 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 2017-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (FL)

When I opened my XXXX store card I was unaware I was signed up for Synchrony Bankcard security services, the fees were not disclosed to me every month they charged my credit card an Average of $ XXXX plus the interested from my credit card in a year this company charged me over {$160.00} without my consent I recently called to cancel their service on XXXX XXXX, 2017, and I notice even after I cancelled this company still charged me and making the interest on my credit card go up even though I pay more than the minimum on my credit card!
Consumer complaint received 2017-12-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau of Lancaster County, Inc. (PA)

Wrote letter on XXXX2017 to Credit Bureau of Lancaster County , Inc that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Advised Credit Bureau of Lancaster County , Inc. to remove incorrect information off my credit report. More importantly, Credit Bureau of Lancaster County , Inc are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from Credit Bureau of Lancaster County , Inc .
Consumer complaint received 2017-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (HI)

HI I was out side of US in 2012 XXXX XXXX and XXXX and my account was lock down and could not able to unlock the account so i missed the three payment. however when i came to back to country i paid the bills and close the account but those missing payment still showing on my credit report and because of this my credit score is low even if i am paying home loan car loan electricity bill on time. 


Thanks XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted a report to the FTC regarding the unauthorized credit inquiry ( XXXX XXXX XX/XX/2023 ), which is a clear violation of my consumer rights. 
I have disputed this inquiry with TransUnion, providing evidence and documentation to support my claim that I did not authorize this inquiry and that it is inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, TransUnion has failed to remove the unauthorized credit inquiry from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that TransUnion takes immediate and corrective action to address this issue in compliancewiththeFCRA. Attached you will also find my ID as proof ofmyidentity and my Proof of Address.
Consumer complaint received 2018-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

I have requested multiple times that Experian remove all of the information that I have circled on the attached credit report. They refuse to do so. They keep sending me an updated credit report saying that the information is not there and pretending to not know what information that I am referring to. 

Please see attachment.