davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CATHAY BANK (CA)

There were three unauthorized transfers from our bank account to another account. 

On XX/XX/2024, {$2500.00} was transferred to this unknown account. On XX/XX/2024, {$3100.00} was transferred. And on XX/XX/2024, {$3200.00} was transferred again. 

I also found out none of phone numbers are mine which need to verify the app to login security code. 

We reported this issue to the police and sought out a lawyer, who wrote a letter to the bank. 

However, after investigating this issue, the bank refused to refund the money. They only said those three transfers were authorized by my email.
Consumer complaint received 2022-07-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have several problems with Transunion, the first problem is the are sending me letters as if I am working with a 3rd party such as credit repair company. I have put in writing that I am not working with no credit repair company, and I am sending the letters due to inaccuracies on my credit profile, and there are refusing to read my letters wasting my time, ink, and money, Second, when calling them, there are still refusing to help me I have over 42 inquires on my credit profile and I am trying to dispute them and they're are refusing to do so giving the run around on the phone and in writing. Then when deal with the XXXX  XXXX bankruptcy they verified as accurate and they used data furnisher, when I have sent letters from courts, and pacer, and credit reports showing inaccuracies, but the still verified as correct. I've been dealing with this XXXX  XXXX since XXXX and all they do is lie and say that they're are working on it, which is not true it's almost XX/XX/2023. I am frustrated and have also have asked for a written signature they have also refused as well, but I guess they didn't received that letter when have certified all the mailed. Attached is all the information, from Transunion and the items I've sent to transunion this has been ongoing problem since XXXX. I am very irate.
Consumer complaint received 2017-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (TX)

Hello, I have an amazon   prime   store card managed by Sync Bank.  Amazon  offers the option of 5 % off your purchase or 0 % financing for 6 months. I would never willfully opt to select 0 % financing for 6 months. I set my default selection as 5 % off my purchase as a statement credit, yet I went to check out today, and 0 % financing for six months had been selected. This happens to me regularly, when I go to check out, 0 % financing will be selected despite my default being set to 5 % off. I contacted customer service about this, and they said that if it is my default setting to have 5 %, then it will stay at that setting until I change it, unfortunately this is not the case.     What makes this more alarming is that amazon constantly advertises 5 % off with using their prime card, yet they routinely change the default setting to 0 % financing at checkout without even asking the card holder. There have been a number of times I 've placed large orders and forgotten to make sure they had n't switched the selection on me, only to find that I lost the 5 % savings because of something amazon did, that was not my selection in anyway. This is an unfair and dishonest practice, that is literally taking money from people who pay their card everymonth. I have other cards I could use with cash back, but purposefully use my amazon card due to the 5 %, only to be duped by Amazon on a regular basis.
Consumer complaint received 2024-03-25
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. (GA)

XXXX XXXX XXXX XXXX is selling deceptive information to Transunion, XXXX, & XXXX who are then publishing this information on my consumer report. This debt has not been validated as belonging to me and I havent received any evidence to prove it is mine. This debt has also been canceled with the IRS and reported as income so it can not be reported onto my consumer report.
Consumer complaint received 2022-07-19
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. (GA)

In accordance with the fair credit reporting act : XXXX XXXX  - account number XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 ( a ) ( 1 ) States that the consumer report is inaccurate & unfair.

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 2021-11-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

I am currently unemployed and I was in contact with my state, IL, unemployment for over 10 months because, as it happen to thousands of people that lost their job because of Covid-19, my name and information was used to claim unemployment. As mentioned, this was an issue with the state 's system being compromised. 
After about 10 months of providing proof to my state agency, I was awarded back pay for 6 months. This was sent to my banking institution as direct deposit on XX/XX/2021. 
After an email sent by my states unemployment office to me stating that my bank, Chase Bank, refused the direct deposit, I got in contact with the bank. 
To my surprise and long discussion with a representative on Chase, they told me that my account, XXXX checking and XXXX savings, were restricted and they did not want anymore business with me. I was very upset as I've been a customer of Chase for over 20 years. 
The representative told me to go to a branch office and I would get my funds. 
I went to the branch office and after an hour of waiting they told me that the funds will be mailed to me on a check and that it would take 10 days. 
After that time expired and on XX/XX/XXXX, I got my statements where it indicated my balances but no funds were sent to me. It was well past over the 10 days they mentioned but they first mentioned to go withdraw my funds but the bank refused to give me my funds and stated that they were going to be mailed. 
Well to this date, my funds have not been mailed to me, XX/XX/2021. I have talked to the branch manager, the customer service, and they finally gave me a case number but but it has been almost a month and they keep telling me the same thing. It is still on the fraud department and they have not given us an answer. This is what the representative tells me every time. They have bounced me between representatives and this is really affecting my life as I dont have an income because I am unemployed for a year now. 
I can assure you that this is a huge mistake as I am an honest person and the funds on those accounts are part of the hard I worked for 30 years before being laid-off. 
I need help to get this resolved as they have not listen to me, they are not helping me and they really dont care about my current situation. 
I need my funds returned to me now. It has been a long time and I have no income and my bills are not getting pay. 
Please provide any help for me. 
Thank you.
Consumer complaint received 2018-03-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (IL)

This is not a typical mortgage loan. Each month, a different amount is applied to the principal depending on the date I make the payment. The loan started at about {$220000.00}. I have been paying it for 15 years and my loan is XXXX. I am never late. My loan is due on the XXXX. If I pay on the XXXX, they apply about XXXX to my principal. If I pay on the XXXX, they apply about XXXX to the principal. On the XXXX it is even less. My payment is not late until the XXXX, but over the years I paid it around the XXXX and almost nothing was applied to the principal. Other mortgages I have had apply the same amount to the principal each month as long as it is paid before the deadline. Also, as the years go on, with a conventional mortgage, more of the payment goes to principal and less to interest. To only pay off {$20000.00} in 15 years is unreasonable. I have tried several times to get a loan modification or to refinance. This is XXXX XXXX I was told they don't do modification and I could not refinance because the appraiser they sent told them my house was were less than what I owed. I was charged {$450.00} for the appraiser. I also can not take advantage of HARP because this loan is not from XXXX XXXX.
Consumer complaint received 2015-12-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TN)

Equifax has not removed a fraudulent XXXX/XXXX account from my credit report even though i have filed a FTC Identity Theft Affidavit/Report ( OMB control number XXXX, FTC reference number XXXX ).
Consumer complaint received 2024-03-25
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: EQUIFAX, INC. (GA)

XXXX is furnishing deceptive information to Equifax that is incorrect. This debt has not been validated and Equifax has provided no evidence to me that proves this debt is mine. No notice has been sent to me by Equifax for me to dispute this debt before it was added to my consumer report. This debt has also been canceled and reported to the IRS as income so it can not be reported.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/, 2023 I tried to get a copy of my report to confirm accuracy It says when you call them you can get a free copy because of XXXX XXXX every 7 days. Thats completely untrue If you open a dispute for an address, they hold your file hostage for 30 days and wont even let you view it : so many things can happen in, 30, days. Why do they say you can view them every 7 days for free but you do not mention that if you have an address dispute open, you cant and have to wait thirty days to even see old files much less the new ones unless you PAY to sign up for a subscription service? Thats very misleading and very harmful as people can see so many changes in a 30 day period. 
If they say you can view every 30 days per their site, you should be able to.
Consumer complaint received 2015-12-31
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION (PA)

On XXXX/XXXX/2015, I filed an dispute with Syndicated Office Systems. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised them that not complying wit the FDCPA will put their company in a bad position with the CFPB. Syndicated Office Systems never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA.
Consumer complaint received 2016-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Allied International Credit Corp., (US) (MA)

XXXX IS CHARGING FOR UNAUTHORIZED SERVICES. 

They agree, but it can not be resolved unless the Resolution Department deals with it but when you call to get resolution, there are XXXX people in the queue. 

XXXX XXXX is putting me in collection even though I have contacted them at least 5 times since XX/XX/XXXX. The collection agency can not fix this. I contacted them but they say only the XXXX XXXX XXXX Department on can adjust it and there are XXXX people in front of me every time I call.
Consumer complaint received 2016-05-14
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: WELLS FARGO & COMPANY (VA)

I currently have XXXX private student loans through Wells Fargo, both in good standing, for an approximate total of {$28000.00} -- each is cosigned by an individual, one with an approximate 12 % interest rate and the other with an approximate 3 % interest rate. Having graduated from graduate school in late 2015 and nearing the end of my graduation grace period, I sought a Student Loan Consolidation from Wells Fargo for these XXXX loans. Based on my current circumstances -- XXXX FICO score ( depending upon the formula employed ), immaculate credit history, ~ $ XXXX/hour employment and climbing, an XXXX degree, in my late XXXX, and have minimal non-student loan consumer debt in good standing -- I saw no reason why Wells Fargo could n't consolidate my XXXX loans, which they already own and have owned for years, with them into XXXX without a cosigner. 

They refused. 

After multiple telephone conversations, they produced excuses that referenced my credit history and income-to-debt ratio. I explained that my credit history is blemish-free and they diverted the conversation to the income-to-debt issue. When I asked what they included in this ratio, they claimed privileged/proprietary formulas that they would not disclose, except to say that I held " too much '' debt. After I pushed even further, it seems that they are strangely including these loans with Wells Fargo as part of the income-to-debt ratio, as well as my federal student loans. They also are including my entire monthly rent, but refuse to consider that I am only responsible for roughly half, since I am married, and further refused to consider household income unless my wife was a cosigner. When I demanded an explanatory letter detailing the explicit reasons for this rejection using concrete information, instead of generalizations, the letter I received was nothing more than standard corporate generalspeak to hide what had actually happened or their reasons for their behavior. 

This is infuriating. 

Wells Fargo will not consolidate loans that I already have with them without a cosigner, which should be unnecessary in my current circumstances, and are including information in this calculation that is both misleading and inappropriate. As a consumer without any bad debt, who has the credit history and score that I do, and reliable employment, there is simply no reason for them to treat me as such, particularly since I 'm not even asking for new loans. Moreover, since the federal government loaned me money to go to graduate school, without a cosigner, and will consolidate these loans without a cosigner, I do n't understand why private banks are allowed to treat American students with such disdain and disregard. 

CFPB needs to investigate my issue, in particular, but the overall private student loan industry, as well. Student loan debt in the United States is a very large and serious issue made worse by predatory, abusive, and despicable practices by private banks. My current situation is a perfect example.
Consumer complaint received 2021-05-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Hello, my name is XXXX and I have a PayPal account, made with this email ( XXXX ). On XXXX XXXX I got an email, notifying me that PayPal are initiating closure of my PayPal account ( Ref ID - XXXX ) and blocking my $ XXXX balance, because I amin violation ofPayPal 's Acceptable Use Policy.I sell XXXX Accounts and in XX/XX/2020 I've got another limitation by PayPal XXXX and they asked me to explain my business and where the money are coming from ( RefID XXXX ). In that case I explained everything about my business and where the money are coming from and PayPal had been restored my account, without telling me that I amin violation ofPayPal 's Acceptable Use Policyor that I have to stop my business. Since then, all I did was to continue my business and buy or sell accounts, like I did before. I didn't change anything in the way I do business and I didn't change the source of the income. Whether I bought or I sold a virtual product ( XXXX accounts in my case ), I did it using this PayPal account, and all my transactions show that I am not sellingstolen virtual goods. I am not sure if this is some mistake as I assume it has to be, or some automatically process.I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. Thank you!
Consumer complaint received 2015-12-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C. (CA)

I have attempted to contact Trident Asset management several times with no luck in my desperate attempts to resolve and remove the collection they are wrongfully reporting on my credit report. However, all of my attempts went wasted for the past several months. I have received XXXX communication from the collection company. I have contacted the bureau who stated that collector verified the info and they could not remove it, and that I had to contact the creditor for the deletion letter directly but there is NO communication from this collection company to me! 
they are fraudulently reporting this collection which they have failed to validate and ignored all my attempts to contact them.
Consumer complaint received 2024-02-16
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

Synchrony Bank Care Credit which is to pay for medical related bills. They are requesting I pay a minimum due amount of {$30.00} on or before XX/XX/XXXX. If I refuse to pay the minimum, I will be accessed a late charge. The issue with this is on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I submitted payments of {$50.00} each time. I have other credit cards and I always pay more than is due or pay the full amount. I pay forward and there should be absolutely no reason for me to pay any minimum due when I have already satisfied the {$30.00} payment for XXXX. They are threatening to charge me late fee interest which is absurd! My credit score is just over XXXX and this rinky dink company wants to blemish my credit history. My balance on this account is only {$210.00}. I will make additional payments during the month of XXXX and likely pay the remaining balance. The full balance is due XX/XX/24 ... Why continue to send me a statement for money they have already received???
Consumer complaint received 2015-04-02
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (NY)

I am complaining about PayPal Credit, formerly known as XXXX. This company seems intent on not having me pay off my debt, and giving me credit when I do n't want it. I was just charged a {$25.00} fee on an {$89.00} bill I did not know I had. The company apparently automatically signed me up to put on PayPal Credit, anything I bought or paid for using Pay Pal. So when I thought I was paying something off immediately, at the time of purchase - I have a bank account linked to PayPal - I was actually putting stuff on PayPal Credit. There has always been something suspicious and shaky feeling about XXXX, which is now PayPal Credit. I suspect they are doing their best to put charges on this credit card like service, and then charge people late fees. Because you get no bills in the mail, it 's quite easy to do, especially when they are signing you up for it automatically.
Consumer complaint received 2015-05-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

XXXX XXXX contacted me by phone XXXX XXXX, 2015 stating that I owed {$6000.00} to a XXXX XXXX Credit Card that I never had. XXXX XXXX XXXX XXXX stated that I would be taken to court and my wages would be garnished. I sent a certified letter on XXXX XXXX, 2015 telling XXXX XXXX that the debt was not my debt and please do not contact me anymore. XXXX XXXX than sent me a letter stating I now owe {$14000.00} since I did not pay the other amount stated. I against sent certified letter to XXXX XXXX stating that under the Federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me in regard to the debt ; that is not my debt. I never had a XXXX XXXX Credit card.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Upstart Holdings, Inc. (KS)

On XXXX XXXX, 2021 I mailed a letter to the company disputing this account. I gave them 30 days and checked my credit report and no dispute comment had been added. On XXXX XXXX, 2021 I sent a second letter to the company about the dispute. I never received a reply, and once again after 30 days a dispute comment was not added on my credit report. On XX/XX/2021 I sent letters to XXXX XXXX, and XXXX regarding this dispute. I did not receive any replies and once again after 30 days the account did not have a dispute comment added. On XX/XX/2021 I sent a second letter to the 3 credit bureaus regarding the dispute. Once again, after 30 days, no dispute comment was added to my credit reports. The company has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Act Section 807 ( 8 ) by not placing a " notice of dispute '' disclosure on my credit reports within the required 30-day period. This company also never provided me with copies of any documentation bearing my written signature in response to my dispute.
Consumer complaint received 2022-10-05
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.