davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (MO)

Wells Fargo is missing from my credit report. Prior to my bankruptcy Wells Fargo was on my credit report from the first payment made in XX/XX/XXXX to XX/XX/XXXX, now they are completely missing.
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit reporting act XXXX Account # 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 XXXX XXXX .... 

Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

Before Dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 

Type Auto Loan Terms XXXX Months On record until XX/XX/XXXX Recent balance {$15000.00} as of XX/XX/XXXX Credit limit or original amount {$15000.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$0.00} Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Account charged off. {$11000.00} written off. {$15000.00} past due as of XXXX XXXX. 

Your statement ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. 

Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 


After Dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 

Type Auto Loan Terms XXXX Months On record until XX/XX/XXXX Recent balance {$15000.00} as of XX/XX/XXXX Credit limit or original amount {$15000.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$0.00} Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Account charged off. {$11000.00} written off. {$15000.00} past due as of XX/XX/XXXX. 

Your statement ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. 

Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 

XXXXT XXXX .... 

Updated The information you disputed has been updated. Please review your report for the details. 

XXXX XXXX .... 

Updated The information you disputed has been updated. Please review your report for the details. 

XXXX XXXX XXXX XXXX XXXX Pending If our reinvestigation has not resolved your dispute view your options
Consumer complaint received 2023-01-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi (TN)

In XXXX of XXXX, I obtained what was called a " Borrow and Grow '' loan through SeedFi. I maintained payments on this loan religiously, and was then informed of XXXX of XXXX that Seedfi was selling our loans to another company by the name of XXXX  We were told that our loan terms were going to remain the same, that nothing would change. With Seedfi, we were told that we have a savings account at XXXX XXXX XXXX 
I paid my loan of early, on XXXX, after XXXX retained credit card information that they were explicitly told not to retain and made that the default payment on my account. This could have presented an issue, however, I was able to take care of it before it became one. I have spoken to multiple people at both Seedfi and XXXX and no one can tell me when I will have access to my savings money. It was my understanding it would be released within 7 days, which is a reasonable amount of time. XXXX says it will most likely be more than 30 days ... .that isnt what my contract with Seedfi stated. Seedfi tells me that they have had issues with customers complaining about the same thing as far as not having access to their money when they should. Seedfi also tells me now that they can not assist me whatosever, as they have sold the loans to XXXX I have been hung up on multiple times with both companies when I call to inquire. I feel like they have stolen {$1500.00} from me. 
Could you please help me figure out what they are doing with my money and when I will get it? I have practically begged them to release my money. I have almost lost my vehicle and better waiting on my money to be released. 
XXXX XXXX has never had an account in my name according to them also. I gave them a call when neither company would answer my questions. Ironic since that is where my savings account was supposed to be housed.
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX Acct. XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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.

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 2022-10-22
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Stage Funding (TX)

Cascade Financial, XXXX, AZ XXXX. I requested " forbearance, '' under the CARES Act due to a COVID 19 financial hardship. I was required to fill out several forms in order to prove hardship, and was then told I would have to wait up to 30 days for a decision. I was finally given a 90 day period of forbearance, which I requested to be extended for 30 days, but Cascade refused to do so ( XX/XX/XXXX ). I was told I was not eligible for an extension because VA loans are not eligible past XX/XX/XXXX. 
I have requested that forbearance be granted again since the CARES Act has been extended for another 90 days, and that I am indeed eligible. ( XX/XX/XXXX ) I continue to request forbearance, but Cascade will not give a definitive answer one way or another. I believe this is a stalling technique until the current 90 day CARES ACT expires. I have also been told all the paused payments are due in a lump sum at the end of the forbearance period. I have requested that the paused payments be moved to the end of my loan as provided for in the VA regulations for CARES Act forbearance.
Consumer complaint received 2022-04-25
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. (OH)

In accordance with the Fair Credit Reporting act XXXX, Transunion XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 According to the 15 U.S.C 1681 section 602 A. States I have rights to my 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 instruction
Consumer complaint received 2022-06-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

As can be seen this mortgage company SPS is continually refusing to give me a Loan Modification even though I clearly qualify for one. Here we go again with the pattern of asking for documents already emailed into XXXX over and over.I believe SPS is bothered due to the fact that I emailed every piece of paperwork asked for and that this company has NO intention of giving modifications to myself or any other consumers. The stupidity of this company is astonishing to say the least, and noteworthy for as many other companies to see and not only follow my complaints but, those of others in the same position and that we are not with SPS BY CHOICE! The lies and continued misuse of trust that consumers have place in this company is shattered due to their lies, manipulation and string along in an effort to do nothing but take consumers homes. As CFPB can see the documents that were dated and accepted for an ENTIRE PACKAGE, was all of a sudden missing or needed to be explained again. This is the TATIC used to continually LIE about missing documents when the documents have NEVER been missing. Its disgusting and devious in the way this company operates and especially criminal. The Government needs to see all over 300 pages I have emailed this defunct company as proof to their ability to only take consumers property and not help at all. The SCRIPT and lies they have their employees to READ is a pure joke and an insult. Oh, I will continue to pay my mortgage late after I feed my family and make sure we have lights, water, and medical if needed.As CFPB can see I didnt include entire Bank Statements, so they can see that the information is on the bank page sent and the entire bank statements were emailed to SPS
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the Fair Credit Reporting act XXXX/XXXX/XXXX  Account # XXXX, XXXX  XXXX  XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX-XXXX  Account # 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
Consumer complaint received 2022-06-05
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. (MN)

in accordance with the fair credit reporting act convergent Account XXXX XXXXXXXX XXXX and Rent XXXX Has violated My rights. acc dates XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States i have a right to privacy. 


15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a accountant without my written instructions
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

So, I had a XXXX Credit card, Then within about 2weeks to about less then a month, my account got restriced, so i had no way to get access to my reward and the card usage, and then card closed. However, Capital one declined the refunding {$390.00} amount of Credit card annual fees that i paid. 
If i used the reward services and claimed the mileage, then i agree with not getting it back, but i already lost XXXX mileage that was in my account due to closure. so at least i want to get my {$390.00} annual fee where i couldnt used the credit card.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Receivables Management Partners, LLC (IN)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Radius Global Solutions LLC (IN)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-06-08
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. (TN)

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2021-12-09
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. (NC)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2023-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OH)

I " lost '' both of my Chime debit cards and my ID on the weekend of XXXX. Come to find out the debit card associated with the " credit '' account ( really, its just my funds ) and I.D . that I thought I had lost XXXX were recently found in my 15 month old 's toy box. I had requested a new debit card from Chime on my " checking account '' and went to the Ohio XXXX for a new license. In the meantime, I issued myself a check from my checking account, knowing that it would come first and I could go cash it. I have history in banking and credit. I am a low income Mom for the first time in my life at XXXX XXXX XXXX, with no support. I just needed access to my {$260.00}. I received the check in the mail and went to cash it on XX/XX/XXXX. XXXX wouldn't even cash it. That's pitiful. So I redeposited it on XX/XX/XXXX, into my checking account. I called on that date and requested the funds be made available because it's a check from me, to me on the same account, and issued from their bank. They played phone tag and just transferred between each other before I finally gave up. Today, XX/XX/XXXX at XXXX XXXX. I received an email saying the check has been cashed. It's XXXX XXXX. and the funds still haven't been placed in the account. I understand they are affiliated with a larger bank. As an affiliation, that check being cashed by should be issued to the Chime receiving account at that moment. Why is this legal? Why is Chime getting away with holding funds? Especially when it was a check that I issued myself to myself, that no one wishes to cash. Obviously, it's a larger issue. I will be closing my accounts and returning to a physical bank. I have nothing holding me back from having an account with anyone and I've learned my lesson. Their data processing department should be able to see the check and deposit it. Ive working in those departments in banking and in prescriptions through pharmacies. It makes no sense to me. Chime is a joke.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair credit Reporting act, Experian 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 a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under open an end consumer credit plan as late for any purpose. It is showing a late payment for my XXXX card ending in # XXXX on file. This is simply not true. I would like an investigation launched about this supposed late payment and verifiable evidence that it wasn't paid. COVID hasn't gone away either, especially for those who are high-risk like me. This is predatory behavior during a global health crisis, especially someone like me who has been hospitalized for weeks on end due to being high-risk while handling the gross rate of inflation making it almost impossible to live while creditors keep their interest rates at all time highs and do not offer payment arrangements. Something needs to change! Most importantly, this untrue late payment on my 3 CREDIT REPORTS.
Consumer complaint received 2023-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (GA)

I fell behind on my credit card payments. Discover Card had offered me a settlement of XXXX. I was making payments of XXXX a month via XXXX. Dispite the fact that they received payments they referred me to a debt collector. Since I have been making payments to the debt collector. Discover Card has received at least XXXX. When you include the monthly payments made prior and current payments made. Thats at least double of what the current agreement was. I feel that Discover has received there fair share of payments and should settle the agreement.
Consumer complaint received 2022-06-08
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. (MO)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX account number 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 an account without my written instructions.
Consumer complaint received 2022-06-08
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: EQUIFAX, INC. (WA)

I sent a letter on XX/XX/2022 to remove these Incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX, WA XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX, WA XXXX, Fraudulent accounts : SXXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX : {$27000.00}, XXXX XXXX XXXX XXXX Balance : {$14000.00}, and ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00}, and erroneous name : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.