davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Good afternoon, My name is XXXX XXXX XXXX and I am writing to complain on TransUnion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXXXXXX XXXX,2020 XXXX XXXX,2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (OR)

On XX/XX/24 i received a call from XXXX XXXX from Citibank Excecutive Offices, telling me that a check would be mailed to me. I explained that i would not be available, and was concerned about my check getting stolen. XXXX told me that when i want to get the check mailed to contact Citibank. Now i called 8 times and was hung up on 3 times ( 2of those times by Supervisors ) and when i did finally get someont they couldn't find my account, and that there was a XXXX balance in my account when they finally found it. I asked what happened to my bal of XXXX. They said there wasn't any money to refund, because it was fraudulent. So now Citibank has lost my money, or was transferred to an account that no one can view even supervisors. I'm frustrated and very upset, that the customer service ive received from Citibank is absolutely horrible. I would highy reccommend not banking with them
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (MD)

XXXX XXXX visited Truist in XXXX, MD with a signed and Noatrized Power of Attorney from me with her identification as Truist asked. Truist said she would be added to my account but almost a month later it has not done so.
Consumer complaint received 2022-01-18
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (UT)

I own rental properties in XXXX utah. I use Wells Fargo in XXXX utah. I have my tenants deposit their rent into my wells fargo locally to them. I require they deposit certified checks, I do not accept person al checks. 

This account ONLY accepts deposits from the same renters month after month and is not used for anything else, ever. 

This account has been used for at least 5 years and it receives the same amount in certified checks, from the same renters without any new deposits. 

Recently wells fargo froze two of the certified checks, but cleared the others. The reason for the freeze was " suspicious account activity '' and that the checks had not cleared. 

Well I dont agree for three big reasons. 1. These are the SAME checks from the same renters that have been depositing into that account for years. 2. These are CERTIFIED checks and 3. There has been no new activity in that account that has not been performed routinely for the past several years. ( additionally, they DID clear the first two checks from renters, again using certified checks being deposited by the SAME individuals ) I have attempted to call Wells Fargo several times. They are evasive and keep claiming suspicious activity. I then press them and they respond that their executive office will call me back within two days. I have called them 3 times in a week and have never received a call back, from anyone. 

I believe they are discriminatory ( potentially XXXX ) and fraudulent. I need assistance please.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Hey what the XXXX? i received your letter about you closing my complaint but why the XXXX would you do that?? who else would be complaining about my own disputes besides me? hey please take action, I have been waiting for almost 2 months now and the inaccurate items are still on my report! please get those negative items deleted
Consumer complaint received 2021-04-07
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: National Credit Adjusters, LLC (TX)

These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, FDCPA 807 ( 8 ) if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (FL)

I have provided proof to Navy Federal as well as XXXX  that an account is being paid as agreed. It was deleted from my credit report in XXXX. Everything was fine and this month its back again reporting incorrect information. It continues to be a problem with navy federal. I have attached the latest payment Ive made to navy feds outsourced company.
Consumer complaint received 2024-03-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MA)

On XXXX XX/XX/XXXX, My roommate sent me XXXX, {$100.00} Venmo deposits to help me pay the rent ( We are both XXXX XXXX  and share an apartment ). The money was taken from her account. Then my Venmo account got suspended wrongfully when I tried to deposit this money into my bank account. I was informed of this via email where they asked for me to upload my driver 's license. I complained and called Venmo customer support where I was lied to and told that this would be cleared up soon and they would unfreeze my account and deposited my money. XX/XX/XXXX, ( 5 days later ) and my account is still suspended, and my money is still being held by Venmo interest free. I recalled Venmo support and now they are telling me it will be up to 15 more business days before they even try to address my account freeze. I have also emailed them ample times over this matter. They are wrongfully holding my money which is causing me to be unable to pay my rent.
Consumer complaint received 2022-01-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX I deposited {$50000.00}, XX/XX/XXXX I transferred {$50000.00} to coinbase pro to purchase bitcoin. I purchased XXXX bitcoin for {$50000.00} and then on XX/XX/XXXX deposited {$25000.00} and bought XXXX Ethereum, and XXXX cosmo coins for {$1500.00}. In total I sent {$75000.00} to coinbase to purchase crypto currency. Immediately after the {$25000.00} purchase they froze my account and wouldn't let me buy or sell or withdraw my crypto currency. I attempted to sell multiple times while the market appreciated by 20 % only to receive a message that says " sells disabled ''. The message on the coinbase app says " unable to buy and sell, contact customer service ''. I've contacted customer service several times through email and phone calls and when they do respond, which is rare, they tell me my " account is under review ''. I submitted a formal complaint and received a message 10 days later that said they need an additional 20 days to review my complaint. Meanwhile the market has decreased significantly and I've missed out on {$15000.00} of gains and my value is worth {$62000.00} so I've lost {$13000.00} already in one month all because they prevented me from selling or withdrawing my money. On XX/XX/XXXX i deposited {$10.00} to see if they would let me buy crypto still, they let me buy so their own messaging on the app is contradicting. They will take my money but won't let me take it back. How can my account really be frozen if that is the case? This is theft and fraud and I demand financial compensation for my damages and lost opportunity.
Consumer complaint received 2022-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I received an alert on my credit report that my Capital One account was marked late. I knew I had paid the bill so I immediately checked to see what happened. In paying my multiple accounts, I got the amount mixed up. I paid {$25.00} and it was {$31.00}. This caused them to mark it XXXX days late. Ive never had a late in my life and this was an oversight of the total due and not a missed payment.
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/2019 XXXX 's REFUNDED {$200.00}. & {$280.00} for items Not Delivered. XX/XX/2019 USAA CHARGED THESE AS NEW PURCHASES ** AFTER MERCHANT CREDITED. USAA posted adjustments ** 3 days AFTER Merchant Paid. USAA adjustment purchase of XX/XX/2019 WAS THE SECOND CREDIT ** AND THEREFORE DID NOT APPLY. ( **You can NOT have TWO CREDITS for ONE purchase.!!! ** ) USAA REVERSED MERCHANTS CREDITS {$200.00} {$280.00} XX/XX/2019 Kindly Note TOTAL CREDITS FOR THIS PERIOD ** DID NOT INCLUDE ANY USAA CREDITS. TOTAL CREDITS {$910.00} APPLIED XX/XX/2019 ARE ALL MERCHANTS CREDITS. ( There were No ussa Credits Applied to Reverse!!!!!!! )
Consumer complaint received 2024-03-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Portfolio Recovery claims they received this account from XXXXXXXX XXXX. I have worked with XXXX for several months, but this account did not originate with XXXX. It was transferred through a merger of services from XXXXXXXX XXXX 

The account was fraudulently used by someone else, and unbeknownst to me, a claim was filed with XXXX XXXX, which is why the company is not sharing the originally requested documentation. I have been held hostage by this company for several years, and the latest report from portfolio recovery is that they are labeling this account with all bureaus as self-reported. 

Portfolio Recovery has since committed a hideous but criminal activity by reporting an account as a credit card and opening a balance when the account is charged off. This company has recently updated the credit bureau with a payment history of late every month, but I do not have a signed agreement with Portfolio Recovery. Please see the attached information, which was done in XXXX by Portfolio Recovery.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have religiously paid my Child Support account each month since 2019 and have never been late. I have even made multiple payments in advance so that I don't ever miss a payment. I believe it is because of these over-payments that I have made that have caused it to appear that I was late twice when I was really paid up several months in advance. I have contacted Child Support directly and they have confirmed that I have never been late on my account ( I am currently paid in advance by more than 12 months ). However two late payments still appear on my credit report. Prior to these 2 issues, I had over 800 credit scores. It is not fair to have something as inaccurate like this to affect me for the next 7 years. I have disputed these late payments directly with the credit bureaus but they are still reporting this inaccurate information.
Consumer complaint received 2023-07-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

Discovered on XX/XX/2023 several fraudulent ACH transactions in an Wells Fargo account I manage for a XXXX XXXX XXXX. There were a total of 8 unorthorized ACH tranactions for credit card payments totaling {$33000.00} which started in XXXX XXXX 2023. Upon notifying the bank they returned 2 transactions for {$4500.00}. The remaining they told me could not be reimbursed because they were not notified soon enough. The local bank manager put me intouch with another department within the bank and they said they would contact the credit card companies and try to get the remaining money. They were only able to get another {$11000.00} leaving {$16000.00}. After several calls and promises of call backs that never happened and finally last week I was told the case was closed and we would be out the {$16000.00}. The {$11.00} returned was from transactions in XXXX and XXXX well beyond the limit on notifications. We opened this account last XXXX and other than the fraudulent activity their were no checks or credit card transactions. This leads me to believe our information was piriated internally at Wells Fargo. Also there is a remaining tranaction of {$9000.00} that has no institution associated with it and Wells Fargo can not provide that information.
Consumer complaint received 2022-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (LA)

I am a consumer as defined in federal law 15 U.S. Code 1692a ( 3 ). On XX/XX/2020, I discovered that a debt collector, ALDOUS AND ASSOCIATESXXXX  reported that I owe {$150.00} to the original creditor XXXX XXXX. In response, I sent a debt validation letter the same day to XXXX XXXX XXXX XXXX, UT XXXX, pursuant to 15 U.S. Code 1692g. I have not received a written notice nor any other form of communication in response to the debt validation request letter I sent on XX/XX/2020.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-01-18
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)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-04-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC (VA)

A local used car lot got me financing through Westlake Financial Services, XXXX XXXX XXXX, XXXX XXXX, CA. My vehicle was repossessed. The loan company sent me a letter stating the outstanding amount and offered to take a lesser amount to settle the account as " paid in full for a lesser amount '' if sent by certified check within a short time period as a one time payment to close the account. I followed the instructions as stated in the letter and made the payment. Within a short time, I received the same letter with the amount due with the check I sent as a payment to reduce the balance, not close the account, and another offer to send a certified check for a lesser amount to close the account. I called to inquire as to why the certified check was applied as a payment on the account instead of applied to close the account. The agent said sorry, can't change it. When I asked to speak to a supervisor they were all busy and would call me back. I called four times, spoke with four different agents and got the same answer with the promise that a manager would call me. No one ever called me. My credit report does not reflect that I paid in full for a lesser amount.
Consumer complaint received 2022-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

The account reporting on my credit report has been illegally re-aged. I have never entered into any kind of agreement with this collection agency. They insist on furnishing information that is inaccurate, illegally reaged. They do not respond when contacted. they only verify the account as accurate with the credit bureaus. They are in violation of the XXXX XXXX Code as third party debt collector. I have confirmed they do not have a surety bond on file according to the secretary of state according to the address listed on my credit report. However, they continue to report this alleged debt on my credit report.
Consumer complaint received 2021-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (MO)

This company has sent several letters stating I owe a debt and they will offset my tax return if I don't pay them. I have not spoken with this company nor acknowledge any validity of this debt. I have been XXXX from the military for nearly 20 years and with my XXXX, the closure of my account at XXXX XXXX XXXX XXXX. These letters are threatening and concerning to my family and myself. Please take action as this is clearly a violation of the Fair Credit reporting act. Thank you.
Consumer complaint received 2020-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NC)

I have a portion of my check deposited into my Chime bank account. it shows on my employer end that the funds were deposited into my chime account on XX/XX/20. As of right now XX/XX/20 their systems are down and they are not able to access accounts and on my end they is showing no deposit into my account. I called customer service was waiting for over 45 minutes to talk to live person for them to tell me to call back in 30 minutes. It's a day before XXXX and going thru Covid is a hardship as is and for a company to treat them customers with no disregard is sinful
Consumer complaint received 2021-04-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (OH)

I called my mortgage company, Penny Mac to request to take my loan out of the covid forbearance program and begin making payments. I sent correspondence to them XX/XX/2021 prior to the request being made and I have yet to hear from them regarding that email. Since I have requested to have the mortgage reinstated, they told me I had to complete a modification, which I have sent everything they have asked of me and every time I call they ask me to send the same documents that I have previously submitted. The reps also attempt to reach out to the underwriter, usually with no success. This is frustrating as every time I call the representatives tell me I need to submit something else.
Consumer complaint received 2019-02-19
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: WELLS FARGO & COMPANY (FL)

i was in XXXX and i think the cleaning crew that my company used took my card and used it without my consent and put it back now im stuck with this charges
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX Balance : {$35000.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX Balance : {$760.00} ; XXXX XXXX XXXX ; XXXX XXXX.