davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I deposited a check to my bank Wellsfargo, it was mailed to my house as payment for renting a room from the person who committed the fraud. The check was credited to my account for MULTIPLE business days. The check itself was an overpayment of funds to me, so I asked this person who I know find out to be a criminal, how I can get the excess funds back to them. He gave me a XXXX account to use, then I sent the extra money that they overpaid. Right when I do that, within the hour, the check conveniently bounces and is reversed by Wellsfargo. When I called them yesterday they had no answers to me as to why the check was reversing, they told me I would have to call back in the morning. I called them today and they said it was a bad check. They are not taking any responsibility for the days the check was credited to my account, which it should not have been if it was a fraudulent check. And I'm unable to get the XXXX  funds back to my account as the fraudulent person has blocked all communication with me. 

I have pictures documenting all transactions and statements from wellsfargo. I was going to file a policy report but was told it is not worth my time. The amount was for {$5900.00}, it was deposited Sunday afternoon XX/XX/22. This transaction reversed yesterday XXXX in the afternoon, right after I XXXX  this criminal roughly half the amount from the check because it was overpaid the check also got reversed. Wellsfargo is saying that it was not there fault the check was fraudulent, but this cant possibly fall on the consumer to know what a fraudulent check is. They should be held responsible for crediting my account for days on end with a fraudulent check. They are a billon dollar banking institution, how can they not have systems in place to protect their customers in a timely manner. I now have a negative account balance of over XXXX dollars and they essentially wont do anything about it.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX  : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP (NC)

US bank sent a balance transfer check to XXXX XXXX per my request. Balance is on my us bank card and still on my XXXX XXXX card. Ive called each bank 3 times each and they say the other is responsible for researching. XXXX XXXX said US bank has to research bc they sent the check. Neither bank is helping me resolve and I am getting charged interest when I shouldnt be.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Herbert P. Sears Co., Inc. (CA)

In accordance with the fair credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any. purpose.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Sunlight Financial LLC (MI)

I contacted XXXX XXXX XXXX at the time XX/XX/XXXX they never solved the issue. I now called XXXX asking to stop my payment because my system does not work. They told me contact sunlight which I did. I was told wait for a email or a call! Still yet to receive this was on XX/XX/XXXX
Consumer complaint received 2022-12-02
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-02
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX
Consumer complaint received 2024-12-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Mr. Cooper Group Inc. (FL)

To Mr. Cooper, XXXX XXXX XXXX, CFPB, Date XX/XX/XXXX Loan Number XXXX Property Address XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Mail XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX Phone XXXX ( XXXX ) XXXX XXXX Email XXXX Subject : Demand for Immediate Refund of {$760.00} Due to Escrow Payment Error and Violation of Legal Obligations Dear Sir/Madam, XXXX XXXX XXXX XXXX I am writing to formally address a serious issue regarding a violation of regulations and the improper withholding of funds by Mr. Cooper Mortgage , as the servicer of my loan through XXXX. This matter concerns an erroneous payment made from my escrow account for property insurance to the wrong insurance XXXX and the continued failure to refund the associated amount of {$760.00}. Mr. Cooper has transferred the mortgage however that do not release Mr. Cooper from the financial duty and paying the access collection fo the Escrow amount. 
On XX/XX/XXXX, Mr. Cooper, as the servicer of my escrow account, made a payment in the amount of {$760.00} to " XXXX XXXX XXXX XXXX XXXX Florida '' ( " American Integrity '' ), a XXXX with which I do not hold an active insurance policy. Subsequently, a duplicate payment of {$760.00} was made on XX/XX/XXXX, as reflected in my Escrow Statement. These payments were made in error, and I have attached supporting documentation to substantiate this claim.

Despite my repeated attempts to address this matter, including contacting your customer service team, no meaningful resolution has been provided. Specifically, there has been : 1. Lack of Refund : To date, the amount of {$760.00} remains unpaid despite cle
ar evidence that the payment was sent to an incorrect insurance carrier.

2. Lack of Communication : There has been no adequate explanation or update regarding the investigation into this matter. Additionally, XXXX XXXX XXXX responses have been unhelpful and failed to address the issue in a timely and transparent manner. 
XXXX. Unethical Practices : The delays in processing this refund appear deliberate and are both unethical and in violation of Florida Statutes Section 501, which prohibits deceptive and unfair trade practices. Holding funds without justification and failing to provide a timely refund violates consumer protection laws.

This situation is further substantiated by communication from my insurance agent, who confirmed in writing that the duplicate payment error originated with Mr. Cooper. This evidence, along with documentation in the escrow statement and notes on the case, clearly demonstrates your obligation to refund the amount in question.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I was advised by a Consumer Rights Attorney, These late payments on my account are against the law and I need them removed as soon as possible. 15 u.s. Code 1681a ( 2 ) ( A ) ( i ) states that my consumer report should not contain information regarding transactions or experiences between me and person making report. A LATE PAYMENT IS A TRANSACTION AND A NEGATIVE EXPERIENCE, therefore this account is illegal. THIS IS MY LAST TIME TRYING TO RESOLVE THIS, A LEGAL COMPLAINT WILL BE FILED IF THIS ISN'T FIXED.
Consumer complaint received 2024-09-26
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

Funds fraudulently withdrawn from savings XXXX Amount XXXX $ in branch. 

Claim opened XXXX Claim denied Requested investigator contact me. 
Promised investigator would contact 2 business days never did Claim opened again XX/XX/XXXX Claim denied XX/XX/XXXX Requested investigator contact me. 
Promised investigator would contact 2 business days never did In branch visit with manager claim re opened XXXX also set up a elevated complaint with bank internal system Claim denied Promised investigator would contact 2 business days never did XX/XX/XXXX received email from resolutions department. Stating that claim is closed. Called resolutions. Promised investigator would contact 2 business days never did. 

I was not even in the same state when withdrawal was made.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (CO)

Cash App advertises that they can receive my direct deposit 2 days early. Instead I am being informed that they will be holding it up to 5 business days, meaning I'm being paid a week late. Their customer service department has been giving me the run around all day. No one can actually look into or solve my issue. My reputation will be damaged by not being paid on time by them, and I will also incur late fees on my bills.
Consumer complaint received 2022-11-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (TX)

Spoke with SOUTHWEST CREDIT SYSTEMS in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.
Consumer complaint received 2022-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CA)

Hi there! I initially submitted a refund request in the amount of {$8600.00} on XX/XX/2022 through Aidvantage. I was told that it would take 6-8 weeks to process. It has been over 10 weeks and I have not received any updates from Aidvantage, nor has the amount of the refund been reflected within my total loan balance. I've tried to get in contact with Aidvantage, but the representatives are unable to give me any updates as to what the status of my refund request is. I'm disappointed in not only the significant delay in receiving the refund, but also the lack of transparency in the refund process timeline. 

Thanks very much for your time and help, XXXX
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. same accounts but are being reported different days late for payment. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand this account to be removed from consumer report due to inaccuracty.
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I have a Paypal credit account with the email address XXXX -- which is how XXXX ( Synchrony Bank ) identifies my account. I had set up a payment for XXXX XXXX, of {$77.00} -- but for some reason, the bank had no record of it, so I redid the payment on XXXX XXXX -- but had already been charged a late fee of {$30.00}. I called them to ask them to waive the late fee -- the customer service rep stated he would but I would still need to pay it and it would be adjusted the next month -- but I told him I'm a senior and on a fixed income and I could only make the normal payment and he agreed that it would be adjusted later and I would get a new minimum payment in 24-48 hours and he would make a note not to charge me a late fee. But what he didn't tell me was that he took the late fee off my balance and not off my minimum payment. So in XXXX, I made a payment of {$76.00}, my regular payment. Then I see that today, XX/XX/2022 the bank shows a past due amount of {$140.00} -- in addition to the {$76.00} I paid on XX/XX/2022 -- which was on time and on the date due. They had added another late fee. I called and they agreed to waive {$41.00} late fee -- so now I owe {$110.00}, instead of {$89.00} -- I guess because they seem to be adding more late fees. Although this payment isn't due until XX/XX/XXXX, it shows past due, which it shouldn't. After the representative finally agreed to deduct the {$41.00} from the minimum payment, ( though even now, the site is still stating that I'm past due ), I asked to speak to a supervisor about the {$30.00} late fee. Because I complained that the rep in XXXX did not tell me that he had subtracted the {$30.00} from my balance rather than deducting it from my minimum payment -- possibly due to the agent not having a command of XXXX because he is in a foreign country, or because he just was lying to me, I got transferred to someone in the U.S. who was not a supervisor and who accused me of disparaging the original rep 's race -- which I wasn't. I explained I wanted the {$30.00} deducted from the minimum payment, he said that they couldn't do that and even if the rep stated the {$41.00} could be deducted from the minimum payment there was no guarantee that it would. And I asked to have a supervisor call me and he said they were busy and they'd only call me back if they thought they could do something about this. I want my {$30.00} late fee deducted from my minimum payment as promised by the first rep
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: C/C Financial (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Preferred Lease # XXXX balance {$5000.00} has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NE)

FEDLOAN asked for a refund on paid student loans in XXXX, they said it would take 2weeks to 2montbs, called in XXXX and was told it was still processing despite them saying I was transferred to a new company, new company had no account info ( and still doesn't in XXXX ). Called back in XXXX and they said they cancelled the request and I had to take it up with the new company who still has none of my account information. They never informed me of any of this in writing, emails, phone calls nothing, just cancelled the request and lied to me about it still going through when I called to check in XXXX. I should've had my loans 2 months ago, now Im going to be losing everything because they couldn't just tell me sorry you'll have to refund with the new place.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXXXX/XX/XXXX 15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Pursuant to 15 USC 1681 ( a ) ( 1 ) - the banking system is dependent upon my consumer reports being fair and accurate to me. TransUnion and XXXX continues to report a bankruptcy on my credit report when I have disputed and sent them proof several times from XXXX XXXX that they were unable to verify the accuracy of the bankruptcy and has removed it from my report. I just recently obtained documentation from the XXXX XXXX XXXX XXXXXXXX as well that sates they do not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. XXXX and TransUnion has both sent me letters stating that they reached out to the XXXX and the information came back verified which is a total lie considering their response. I don't understand why they continue to tell me that it has been verified as accurate. Pursuant to 15 USC 1681 ( a ) ( 2 ) - this careless mishap that these companies have caused has ruined my reputation, and has adversely affected my creditworthiness. I am being denied credit because of their grave errors which has caused me severe XXXX and anxiety.