davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-08-17
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA (PA)

I have submitted complaint ( s ) against this company and provided plenty of notices/Affidavits with lots of evidence but they still claim that I owe this alleged debt. They have also not provided me with the remedy I am entitled to and they may or may not have ignored my Cease and Desist that I've recently sent to them. 
Attached is my XXXX Filing Search Results Report from the XXXX XXXX XXXX XXXX XXXX XXXX which shows there are no commercial Liens filed against my name. This company has been collecting debt without properly obtaining judgement or proof of verification of judgement, and have not submitted a public filing via XXXX with the Secretary of State. 
This is my last warning before I proceed to bringing legal action against them.
Consumer complaint received 2020-10-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (VA)

The preconstruction and/or construction contract details the amount and costs of the mortgage that is to be financed. Placing the responsibility on XXXX  XXXX ultimately causes concern and question regarding why Wells Fargo financed a mortgage for {$12000.00} greater than the amount of the builder 's contract with no evidence that why when this mortgage was closed with Wells Fargo, the check being issued at closing was only {$1200.00} as opposed to {$12000.00} ; citing initial discriminatory misconduct by Wells Fargo and an alleged foreclosure after the structure was paid without documents of an auctioneer name or contract, title search, etc. to seek documents from causes further concern for reporting discriminatory misconduct by Wells Fargo Bank, N. A. ( WFHM ). All correspondence from Wells Fargo Bank, N.A. ( WFHM ) shall only address the name of  the owner of the property, XXXX XXXX XXXX because legal recourse in Federal shows action was taken against all other parties.
Consumer complaint received 2023-01-18
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (NC)

2 savings accounts opened on XXXX XXXX XXXX XXXX 1 savings account opened on XXXX XXXX XXXX 1 checking account opened on XXXX XXXX XXXX Small transactions being transferred in and out of theses accounts in the amount of {$25.00} and {$50.00} from other accounts. {$8000.00} transferred into XXXX which was established with the incorrect statement mailing address. Cash Withdrawals from accounts in small amounts within the branch or store to close accounts and limit my access to the transactions.. 

These accounts appear to have been created in Store XXXX without my signature. 

Many debit cards were sent out, false bank records which led to identity theft on all 10 of my accounts.
Consumer complaint received 2021-04-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

this is not a duplicate, please don't try to validate its been over 30 days which the law is very clear please remove. please review documents the Complaint/Dispute was received on XX/XX/2021 has been more than 30 days, and I have not received any proof that your company validated the debt.

Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau , I request that you immediately delete this information from my credit reports. 


previous two complaint ID XXXX, XXXX
Consumer complaint received 2024-03-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC (NJ)

RE : ALLEGED DEBT ACCT # XXXX / $ XXXX ACCT # XXXX / $ XXXX BETWEEN XXXX CREDIT MANAGEMENT COMPANY VIOLATED MY CONSUMER RIGHTS UNDER THE FDCPA AND FCRA. CREDIT MANAGEMENT DID VIOLATE BOTH OF THESE ACTS BY FIRST ILLEGALLY PARKING A UNVALIDATED DEBT ON MY CONSUMER REPORT WITHOUT SEND A NOTICE OF DISPUTE. SECONDLY CREDIT MANNAGEMENT USED WITHOUT MY PERMISSION FORMS OF MY IDENTIFIABLE INFORMATION TO ACCESS MY CONSUMER CREDIT REPORTS WITHOUT PERMISSIBLE PURPOSE IN VIOLATION OF 15U SC 1681b. CREDIT MANAGEMENT WAS ISSUED A CEASE AND DESIST, AND AN INTENT TO SUE UNDER THE FDCPA AND FCRA FOR THIER VIOLATIONS. 

THIS COMPLAINT SHALL BE RECORD ADDED TO THE OTHERS TO THIS COMPANY ONGOING ABUSIVE FDCPA, AND FCRA PRACTICES
Consumer complaint received 2023-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

on XX/XX/XXXX I used the incorrect card to pay for my insurance premium, the insurance company instructed me to file a dispute, and once the billing department got a dispute they would release funds it's how they handle that. Well I called capital one and explained to the 3 world country representative there was a language barrier, they started the dispute and wanted me to charge my other card so I have double the amount on my credit instead of contacting the merchant. I was out the 1.5 % I would have gotten for XXXX they refused to help with the dispute and on the XXXX of XXXX the day my policy was active. I spoke to 2 members of the dispute department and advise me to drop the dispute and they as a courtesy they would credit the XXXX for my cashback well they conveniently have no record of call and credit so I am disputing the entire amount again to get the issue resolved
Consumer complaint received 2021-08-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I wrote a letter for the fourth time disputing inaccuracies on my credit report with proof of the inaccuracies and how the bureaus are in direct violation of my consumer rights. On top of the obvious violations after they keep claiming account meets FCRA requirements and i just showed on the attachment how they are not. I have a right to claim {$1000.00} per violation i have pointed out. It has been more than 30 days i mailed my letter off on XX/XX/21 and i have not received a response. I dont expect this complaint to become a stall by stating you dont recognize the user when i am attaching you proof of my identity. I demand these accounts get deleted immediately.
Consumer complaint received 2020-05-30
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CT)

I have 2 issues with XXXX loan company ( myloancare ). 
# 1 The mortgage loan was transferred from XXXX XXXX XXXX in XXXX ( i think ). When XXXX acquired or purchased the mortgage, they made a mistake on the house number which is XXXX, and they have it as XXXX, which is incorrect! I have been trying since XX/XX/2020 to have this corrected. I sent them an email after reaching someone on the phone there named XXXX who told me how to email and send documentation of the correct house number. So I sent a copy of a tax bill with an email explanation to the email address she gave me. NOTHING has happened! I have also gone through their website after creating an account and asked for action on this problem last week and this week, but I get no call-backs. Only a recorded phone call asking me to call, and then a message about COVID-19 and problems with making mortgage payments and how to apply for help.

# 2 A property management company is paying the mortgage as  they are handling the rental since I am in CT and my house ( which I want to move into in a month ) is in CA. I am also trying to get XXXX loan company to contact XXXX XXXX because they mailed the last mortgage payment with the ticket on XX/XX/2020 and it has not been received. I have given permission for XXXX to communicate with XXXX through XXXX on my account. XXXX can not issue a new check without talking to each other, and XXXX is not responding. Needless to say I am very frustrated with both issues.
Consumer complaint received 2023-01-29
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION (WI)

They call me on my cell phone number and my business number multiple times a week including up to 3 times in a day on each line for a total of 6 calls in a single day and they are far exceeding the 7 times in a week as the same pattern happens week after week.
Consumer complaint received 2020-05-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Business and Consumer Solutions. (OH)

FBCS Consumer contact solutions, a debt collection company in Pennsylvania at XXXX XXXX XXXX XXXX, XXXX XXXX, in XXXX, PA XXXX sent me a letter about an old medical debt from 2012 ( I live in Ohio, so the statue of limitations, per my understanding, for medical debt in my state is 6 years ). I disputed this debt way back then, as per my insurance at the time I should not have had to pay anything. Suddenly, 8 years later I receive this collection notice. The acct # is XXXX and the original creditor was XXXX XXXX XXXX XXXX, and that original acct # is XXXX for the amount of {$620.00} ( which is an incorrect amount, as the amount they originally tried to charge me for was {$500.00} something, which I disputed almost a decade ago ). I just want to make sure this company FBCS doesn't attempt to ding my credit score ( which, per my understanding, they can not do on a debt this old ), or illegally attempt to take me to court ( which would result in them violating Ohio collection laws, per the statue of limitations on these kinds of debts, and most likely result in a counter lawsuit for punitive damages ). I've gone through the CFPB before on things like this, and the CFPB can usually nip these things in the bud before they escalate. I also sent a request to FBCS disputing this and requested an itemized statement, which they failed to provide. Thank you!
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc. (OH)

On XX/XX/23 I filed my second dispute with MoneyLion. The first took place in XXXX. My account was accessed my a hacker and used to withdraw money out on two separate occasions. The first time the dispute was resolved and I was happy with the resolution. The transactions were only about {$300.00}. This time on XX/XX/23 the dispute was for roughly {$2600.00}. The same thing happened this time it went on for almost a month. New external accounts were added to the account and money was moved around to people I have no contact with and never met. I filed a dispute with MoneyLion. During the dispute it took us an hour just to get into the account because my credentials to log in were changed. We went through like twenty transactions, they were all in California. I live in XXXX  and have never been to California. Today I received resolution to my dispute basically saying they see nothing wrong with my account. Leaving me with a balance of {$2600.00} to pay them. MoneyLion is now requesting that I provide more details so that they can deny my dispute again.
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TN)

I had charged a number of items and returned one of them. As the credit was not on my XXXX statement I attempted to calculate what was owed and paid that. Due to my miscalculation, I was XXXX XXXX off. 

On my next statement, I was charged {$32.00} in fees for having a XXXX balance. I tried to call but could not get through so I wrote a letter. Instead of refunding the fee, on my next statement, I was charged an additional {$32.00}. I called and this time was able to speak to a person who said they would only refund one of the late fees.
Consumer complaint received 2018-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA (NY)

after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX XXXX remove I have disputed by mail with all three credit bureaus. act # XXXX
Consumer complaint received 2017-07-31
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. (LA)

I have the following inquiries on my Transunion credit report that should be removed. I did not apply for credit with the following companies and some that are on my report are over 2 years old : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX AXXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX & XX/XX/XXXX 6. XXXX XX/XX/XXXX 7.  XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX  XX/XX/XXXX 10. XXXX XXXX XXXX XX/XX/XXXX ( 2 years this month, should come off ) 11. XXXX XXXX XX/XX/XXXX ( 2 years this month, should come off ) 12. XXXX XXXX XXXX XX/XX/XXXX ( 2 years this month, should come off ) 13. XXXX XXXX XX/XX/XXXX ( 2 years this month, should come off ) 14. XXXX XXXX XXXX XX/XX/XXXX ( 2 years this month, should come off ) 15. XXXX XXXX XX/XX/XXXX ( 2 years this month, should come off ) 16. XXXX XXXX XXXX  XXXX XX/XX/XXXX ( 2 years this month, should come off ) 17. XXXX XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 19. XXXX XXXX XXXX XX/XX/XXXX 20. XXXX XXXX XX/XX/XXXX 21. XXXX XXXX XXXX XX/XX/XXXX 22. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 23. XXXX XXXX XX/XX/XXXX 24. XXXX XXXX XXXX XX/XX/XXXX 25. XXXX XXXX XXXX XXXX XX/XX/XXXX 26. XXXX XX/XX/XXXX 27. XXXX  XXXX XX/XX/XXXX 28. XXXX XXXX XXXX XX/XX/XXXX 29. XXXX XXXX XXXX XXXX XX/XX/XXXX 30. XXXX XXXX XX/XX/XXXX 31. XXXX XXXX XXXX XX/XX/XXXX 32. XXXX XXXX XX/XX/XXXX 33. XXXX XXXX XX/XX/XXXX 34. XXXX XXXX XX/XX/XXXX 35. XXXX XXXX XX/XX/XXXX 36. XXXX XXXX XX/XX/XXXX 37. XXXX XXXX XXXX  XX/XX/XXXX 38. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 39. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 40. XXXX XXXX XXXX XX/XX/XXXX 41. XXXX XXXX XXXX XX/XX/XXXX 42. XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Neon Newco Corporation (MO)

I have disputed unauthorized transactions Due to fraudulent. I was robbed and they took my card, Wallet and phone. Im trying to dispute this activity because it wasnt me who made theses transactions. 
XX/XX/2024 I believe
Consumer complaint received 2021-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

It started a few weeks ago when they shut off access to my app and their texts are blocked by XXXX so I called today to get them to fix the lack of access. I went through 3 representatives and the Supervisor XXXX refused to grant access to my accounts or funds with my verification of my social, mailing address, birthday, and phone number ( was calling from an electronically verified by system ). The app also traces my physical address which is my billing address when trying to access my accounts via the app and now online which is also being refused. I am unable to access my accounts or the thousands of dollars in them.
Consumer complaint received 2024-03-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Affirm Holdings, Inc (AR)

On XX/XX/XXXX I received an alert from Affirms app on my phone, regarding new details of current loans on my account with Affirm. I signed in and saw two new loans I did not recognize. One Loan for an XXXX Order placed using Affirm as payment method for {$52.00} processed on XX/XX/XXXX and another order placed through XXXX using Affirm as payment method for {$190.00} processed XX/XX/XXXX. 

I disputed them through their help center XX/XX/XXXX thinking nothing of it. That it would be resolved quickly. 

Wrong, over the course of several weeks, I was communicating on the app with their help center about these loans. They were adamant about the fact that they were mine. Pointing nothin much of a truth disclosure that on every loan after you submit one and its processed. This disclosure is nothing more then general Terms and Condition from any product.

The details of the loans shows little to no details. They show the amount of the loan, the separated payments on such days and the name of the place where the order came from. 

I searched my accounts with XXXX and XXXX, I do not have such orders during that time period or amounts. I contacted XXXX and XXXX sometime during XXXX and they came back confirmed there were no such orders. There are no charges on my bank account stemming from these loans and the XXXX loan had a {$10.00} payment on XX/XX/XXXX which I do not have any charges on my bank account for that. 

I confirmed to tell Affirm that this information from the merchants, and they still said it was my loans and my responsibility. Over months of talking to them and arguing my point, the XXXX loan was charged off on XX/XX/XXXX by them as bad debt to collections or credit bureau 's. 

I have tried everything to avoid that outcome and I am tired of talking to Affirm. I am filing a complaint of Fraud/Scam of two loans thats not mine with Affirm.
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (TX)

Yes I recently paid off a collection. I was told this would be a pay to delete. However the company is refusing to remove it from my credit. It has been paid down to XXXX. I have been more than reasonable. Weve settled on a debt and I paid in full. This is holding me back from being pre approved for a home. I have done everything they have asked even requested a goodwill letter especially during this pandemic. This is beyond unprofessional but inhumane. Nobody is willing to help me.
Consumer complaint received 2021-08-17
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: WELLS FARGO & COMPANY (IL)

Hello I purchased a vehicle from XXXX XXXX XXXX XXXX in XXXX, Illinois. XX/XX/2021. I specifically told them Do Not Run My Credit I am a cash deal and already pre approved, because I was pre approved for {$55000.00} with XXXX  XXXX. I didnt need any financing from any other banks or dealerships. They ran my credit to other companies with out my authorization or consent. Ive contacted XXXX, Wells Fargo, and XXXX XXXX XXXX multiple times this month as well as last month regarding these inquiries reporting on my XXXX  report due to unauthorized running of my credit by XXXX XXXX XXXX XXXX in XXXX Illinois. They kept pressuring me to run my credit to see if they can get me a better APR I refused multiple times. I stated I was not interested and please dont run my credit to anyone I have a pre approval letter. Few weeks later I get a denial letter from WFDS Wells Fargo Dealership Services. Which Wells Fargo Auto confirmed they stop using 3 years ago. It also is being reported on my XXXX  credit report along with 2 other inquiries that were not authorized XXXX XXXX XXXX and XXXX XXXX and WFDS inquiries are/was not authorized by me and should be removed immediately as I explained to the fraud departments of each of these companies prior to contacting the CFPB.
Consumer complaint received 2021-08-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MI)

I was locked in with an interest rate of 2.5 percent for a 30-year term for 45 days on XX/XX/2021. Upon receiving my closing disclosure on XX/XX/2021, my interest rate now reflects 2.875. I paid {$500.00} to lock in this rate and was at the point of closing until I was told the rate went up during the lock period and was not notified of such without acknowledging the Closing Disclosures first. This is a clear bait-and-switch scheme.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Opportunity Financial, LLC (AL)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for do any purpose
Consumer complaint received 2017-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TCF NATIONAL BANK (MI)

On XXXX XXXX 2016, I made a affidavit of forged endorsement report with TCF Bank. My business account was compromised. There were seven checks that were endorsed ( fraudulently ) and signed by someone other than myself. The total dollar amount of checks that were honored and cashed by TCF bank was {$7900.00}.
After making a notarized fraud and police report. My bank indicated in writing that they would resolve this matter within 28 days of receiving all necessary documents to conduct their investigation. All necessary documents were received. TCF bank has acknowledged that they realize the checks were fraudulent. However, TCF bank has not refunded the money to my account as they previously stated.