davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

Dear Sir/Madam : My name is ( Name intentionally omitted as instructed ), I am an account holder of Wells Fargo Bank and I am having great difficulty with locating my receipt to show that I purchased a XXXX XXXX dollar cashiers check or money order from Wells Fargo Bank located at XXXX XXXX XXXX XXXX, New Jersey XXXX. I do not remember the exact date of purchase, however I do know that the cashiers check or money order is made payable to XXXX & XXXX XXXX. 

In addition, I remember where I was standing inside of the Wells Fargo Bank when I purchased the cashiers check or money order, it was to the far left, and the teller was a female. The cash was brought to the bank and it was not taken directly from any of my accounts. I also remember vividly hand delivering the cashiers check or money order to XXXX XXXX, unfortunately, he is unable to search his bank history to try and locate the deposit. At the time I purchased the cashiers check or money order, I was driving a XXXX XXXX that I purchased on or about XX/XX/XXXX. Thereafter, I traded my vehicle in on or about XX/XX/XXXX for a XXXX XXXX. Therefore, the cashiers check or money order was purchased from Wells Fargo Bank during that period. 

In conclusion, I have spoken to representatives of Wells Fargo Bank in regards to this matter and I advised them, not many people come inside this particular bank and purchase XXXX XXXX dollar cashiers checks or money orders. In addition, I have absolutely no idea why this transaction is not showing up on my account. I advised them that Wells Fargo Bank has cameras and I am almost certain there were many cameras present the day I purchased the cashiers check or money order. Therefore, I should be on video camera buying the cashiers check or money order and counting my money prior to giving it to the teller. 

In addition, I have purchased dozens of cashiers checks or money orders made payable to XXXX & XXXX XXXX. Therefore, Wells Fargo Bank or the investigating authority can look, see where the cashier s checks and money orders are being deposited or cashed, and have that institution provide a copy of the cashier s check or money order and a receipt showing that the cashier s check or money order was either cashed or deposited into an account. 


Sincerely,
Consumer complaint received 2017-01-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CNG FINANCIAL CORPORATION (SC)

This creditor Check N Go ( XXXX ) was initially contacted with all the other creditors in XXXX 2016 to inform them of the bankruptcy filing. This creditor has updated their reporting to XXXX credit bureau incorrectly. The creditor reported for nearly a year of a Failure to Pay ( FP ) just ending in XXXX 2016. On XXXX, this creditor is reporting the bankruptcy as starting on XX/XX/XXXX2016. They need to update the information please.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally contesting any inaccuracies on my credit report, aligning with the FCRA and Metro 2 data field reporting standards. Unsupported claims of delinquency and derogatory remarks can not be accepted without documented proof. Accurate and complete reporting, as mandated by federal and state law, is essential. I urge you to ensure factual, lawful claims and provide verifiable evidence for account existence and usage. If not, kindly remove it and send physical documentation of your actions and my updated credit report. Your prompt attention to this matter is appreciated.Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged 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 2016-07-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

I am a New York State resident. I refinanced my home mortgage with USAA Federal Savings Bank, signed XXXX/XXXX/XXXX. The monthly payment, included PMI ( {$79.00} per month ). As the appraisal value reported before the signing, was valued at {$290000.00}. As of XXXX/XXXX/XXXX, the outstanding loan mortgage was {$230000.00}, as I have made extra dollar toward the principal reduction each month since XXXX/XXXX/XXXX with no obligation and penalty. 

As I called and tried to reach out USAA-Mortgage Dept since XX/XX/XXXX, requesting my PMI to be cancelled or to be removed, and I did not get any immediate answer, until I received a letter by a regular mail that, is requesting a new appraisal value as of today ( it must be current ), and I must pay the appraisal expense directly to USAA. ( USAA was outsourced to a third party company called, XXXX/phone # : XXXX, for managing the loans and the payments on behalf of USAA. ) Since XX/XX/XXXX to XX/XX/XXXX, my request has gone undetermined, even I have a good payment record, and I met the requirements ; current payment, no late payment, current escrow payment ( no obligation on the extra dollar amount toward principal reduction each month ). I checked the New York Department of Financial Services 's web, and researched more in detail related to the PMI and the cancellation, and other requirements. The New York Department of Financial Services guided that it did not require a current appraisal report in order for PMI cancellation, and it must follow the appraisal reports used on XXXX/XXXX/XXXX. 

I had explained and tried to provide the sources to the managers ( third party Co ), related to the NYS-Dept of Financial Services, and all managers refused to listen and ignored to follow the NYSDFS 's guidelines, and verbally over the phone that regardless the current balance is below the 80 % threshold. I tried to reach out HQ-USAA, and I was unable to speak to someone that could help me at this point. As of today, I am still paying the PMI, as part of my monthly mortgage payment since XX/XX/XXXX. 

Please advise, should I continue to make the PMI payment every month to USAA until the expiration date of XXXX/XXXX/XXXX even the current principal is below the 80 % threshold? If I requested my PMI to be terminated by XXXX/XXXX/XXXX, and I was informed by USAA-a third party Co that, they still need a new and current appraisal report. In addition, the automatic PMI termination date is on XXXX/XXXX/XXXX with no requirement for an appraisal report.
Consumer complaint received 2016-02-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I was advised if I paid this debt this company IQ Data would remove it off of my credit file, that has not happened I have addressed it several times with the credit agencies and nothing transpired
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2021-11-29
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. (CA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/2020 ; XXXX XXXX XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020 ; XXXX  Inquiry Date XX/XX/2020
Consumer complaint received 2021-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I tried to purchase a product. The transaction used my debit card to pay for it. The seller never delivered the product and scammed me. I called the same evening to prevent the transaction from going through. I called the bank and XXXX and since it was my bank card XXXX said to pursue with bank. The bank continues to blame XXXX and say the debit card wasnt used. I have tried to call multiple times but the bank refuses to refund the amount of this scam. I have tried the XXXX  and the bank still refuses to make this right. They say the investigation was right however never did they ask for any information from myself about the transaction. That is a pretty one sided investigation when they dont ask for any evidence or information I have to support my case.
Consumer complaint received 2017-03-08
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WI)

I was quoted an APR of 3.44 % for an auto loan on a vehicle that is between 2 an 7 years old on XXXX XXXX 2017.. The quote was given to me over the phone on a recorded line. When I called to complete the loan I was told that the APR had changed to 4.11 %. I was told on the XXXX XXXX call that the APR was good for 45 days. I was transferred to a supervisor XXXX employee number XXXX. XXXX was asked to review the call from XXXX XXXX and meet the quote that was given. XXXX stated that all calls are not recorded which is not true. Calls that give APR are required to be recorded. After being disconnected several times I reached XXXX who states she was the assistant to the CEO. XXXX took my complaint and stated that the bank would be calling me by the close of business.
Consumer complaint received 2022-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (GA)

i filed a XXXX XXXX XXXX XXXX and converted it into a XXXX XXXX  in XXXX, XXXX XXXX who sold it to Midland Manganment Inc was included. XX/XX/XXXX it was XXXX and shortly after that i notice a change on my credit report and Midland Management was misreported discharge debt. Midland Management who repeatly misreported every month bring my credit score down, however refusing to report my XXXX debt properly should be in violation of the bankruptcy XXXX which in a injunction prohibiting creditors for tryong to collect on a bankruptcy XXXX debts.
Consumer complaint received 2015-06-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (OR)

IQ Data International Inc. claims that I owe them {$1900.00} and they have failed to prove validation of debt. There is also someone listed as a co-debtor and that person does not exist.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

Hello, I have been a Victim of Identity Theft, I have made a police report as well as a FTC report. I have sent all documents to Experian, XXXX, and XXXX explaining the situation of my identity being stolen and in the process of getting a new SSN from the SSA office. Unfortunately, XXXX has been the only bureau that has complied with the laws. I have also bought Experian Protection in conjunction with XXXX advance protection service to help me with this issue. Neither bureaus complied with the consumer law, even after sending in supporting documents to show my identity was stolen. I have been dealing with this issue for the past XXXX years and it has driven me to financial ruin due to my credit not recovering from this.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I just received a letter from Transunion and they didn't do what I asked them to do. They kept address 's, phone number and employment records on my account that are not mine. The address 's are : XXXX XXXX XXXX XXXX XXXX SC XXXXXXXX XXXX XXXX XXXX  XXXX, De XXXX, XXXX XXXX XXXX. XXXX XXXX, De XXXX, XXXX XXXX XXXX. XXXX, De XXXXXXXX XXXX XXXX XXXX XXXX, De XXXX. The phone numbers are : ( 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  All these numbers they have listed for me after I told them I only have one number. The work companies USPS XX/XX/XXXX, USPS XXXX, US POSTAL XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX again this abuse of records is a shame.
Consumer complaint received 2020-12-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: JPMORGAN CHASE & CO. (CA)

I obtained a business loan from JP Morgan Chase last year. I have paid it off however I still have interest charges for unknown reasons and the bank refuses to help me close the loan. I have called Chase, messaged them via the online portal, and been to a branch. I only get the run around. Their customer service is horrendous.
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Timely payments have been a constant on this account, and I have never been overdue. I'm unclear about the reasons behind reports of late payment remarks on my accounts.
Consumer complaint received 2022-08-15
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: Experian Information Solutions Inc. (PA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted accounts to all 3 credit bureaus to investigate accounts on my credit report. Each account came back as verified by all 3 bureaus. However, the credit bureaus failed to do their due diligence in verifying the accounts, as they were no changes made to any of the accounts and they still appear as they did before the dispute- with numerous inaccuracies across the board.
Consumer complaint received 2022-08-15
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. (NY)

XXXX XXXX is incorrectly reporting my balance owed as {$2900.00}. 
i only owe 4 payments left which is {$1400.00}. please update this immediately. 
my social is XXXX XXXX XXXX XXXX XXXX is also reporting a 30 day late from XX/XX/2021 which is incorrect as when i made the payment they reported they did not receive it. 
please remove this 30 day late immediately and update my balance.
Consumer complaint received 2022-08-15
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. (PA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

on XX/XX/scrub>XXXX XXXX XXXX  a letter was sent to Transunion to have some misinformation reporting on my report in regards to incorrect addresses amongst other things. I have mailed them and have yet to have my request processed.
Consumer complaint received 2024-02-08
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. (IL)

My name is XXXX XXXX, and I am compelled to submit this complaint due to the repeated unauthorized attempts to secure an auto loan using my credit profile. The numerous inquiries on my credit report are alarmingly high, posing a significant threat to my financial well-being. It is imperative that immediate action is taken to safeguard my credit. Therefore, I kindly request the placement of an extended fraud alert on my credit file. Furthermore, I emphatically request that no financial transactions or approvals be granted without my explicit consent. 

For any inquiries or account openings, I insist that you reach out to me directly at XXXX prior to any action. Your cooperation in ensuring the security of my financial affairs is greatly appreciated. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-15
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. (CA)

I am submitting this complaint to contest the claims made in the inquiries listed below and to demand verifiable documentation with my physical or digital signature. Since I never gave such permission, the Fair Credit Reporting Act 's Section 604 rights have been violated. This action was taken without any justification from the reporting firms. Since I never gave my consent, this inquiry is untrue. The Credit bureaus are required by the FCRA to investigate or remove those requests that are under investigation. Under the FCRA Section 605b, I am reqwuesting that Experian remove the disputei inquiry as soon as possible : 1XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2020-07-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: EOS Holdings, Inc. (CA)

True North has collected on a medical debt that was closed out with a XXXX balance on XX/XX/XXXX, Proof enclosed in documentation. This company has been harassing me since XXXX and I filed a complaint through the attorney generals office back in XXXX where they have tried to collect on my husband and my acct through a levy. After attorney generals office sent them a letter my credit was updated and the removal from the judgement was off my husband and my credit as well as I received a XXXX  out balance letter. The original creditor " XXXX XXXX of XXXX XXXX '' did not bill the correct insurance and I also was covered by state insurance. This error was strictly on there part and due to time they were unable to submit claim and billed me even though I was on a state covered medical assistance program.
Consumer complaint received 2017-01-04
Product: Credit card — 
Issue: Billing statement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

TL ; DR - USAA makes configuration changes that stop important services. 
USAA changed credit card companies but made the business decision not to fully roll over ancillary services such as text alerts ( e.g., for payment reminders, etc. ). Normally this would n't be as much of an issue, but the local post office has been mistakenly returning some of my mail for a few months now. Subsequently, I grew to depend on the text messages for reminders to pay the bill. One of my cards that I rarely use was not paid for three months and I got a black mark on my credit record now. Banking is a service, and when they make changes to their bank-end systems or change credit cards, I expect uninterrupted services that I 've come to rely on. I asked if they could remove this mark from my credit report and they declined.
Consumer complaint received 2017-01-13
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX contacted my fiancee on his personal cell phone and asked him my whereabouts and contact information because I had a charged off Kohls credit card from 3 years ago. They had no right to share my credit information with him as we are not married and he has no legal right to know about my old chargeoff. They provided him with several pieces of mybpersonal information and I have the ohone records to prove it!
Consumer complaint received 2022-08-15
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. (CT)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : XXXX XXXX Balance : {$0.00}