davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

On XX/XX/23 I went to XXXX XXXX  in XXXX CT. I asked for a domestic wire transfer to XXXX XXXX  in NY acting on behalf of XXXX XXXX XXXX XXXX and a foreign transfer to their lawyers in XXXX XXXX, XXXX. The information that was provided to me to initiate the transfers was from XXXX XXXX where I have a trust in XXXX. At over XXXX hours neither recipient had received the funds. What was most concerning was that the XXXX could not provide me with any documentation on the status of the wire. I use XXXX now known as XXXX. If a similar situation occurs where a recipient denies receiving the wire, they provide me with a full report with exactly where the funds went ie which bank, which account etc. I am appalled that XXXX not only is unable to do this but can provide no pertinent information as to the status. I am selling our home in XXXX which is in the trust and am unable to close until these fees have been received.
Consumer complaint received 2023-01-11
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. (AL)

My name is XXXX XXXX. My twin sister 's student loans are reporting on my credit reports. I have been disputing them since 2018 and nothing has been done about it. I always get a letter stating it has been verified as a response to my disputes. I have contacted the XXXXXXXX XXXX XXXXXXXX and they do NOT have any open student loans in my name whatsoever. This is illegal reporting on your end. I can't purchase anything because of this. It is damaging my life.
Consumer complaint received 2023-01-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2020-05-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Credit Card Receivables Fund Incorporated (TX)

XXXX COUNTY REPORTING A FALSE DEBT COLLECTIONS THAT NEEDS TO BE REMOVED BY THE COURTS Texas ' four-year statute of limitations on debts works alongside the Texas Debt Collection Act. The limited time period means that debt collectors can not sue individuals in an attempt to collect debts that are more than four years past du FTC VIOLATIONS The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit  Reporting Act. [ 3 ] [ 4 ] COMPANIES INVOLVED : : : : UNIFUND CCR PARTNERS   XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-26
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. (GA)

ACCORDING TO LAW, 15 USC 1681d ( d ) ( 1 ) ( XXXX, XXXX, EXPERIAN ) MUST CERTIFY INFORMATION FROM THE FURNISHER TO INSURE THAT FURNISHER, HAS GIVEN ME CERTAIN DISCLOSERS, TO INFORM ME OF MY CONSIMER RIGHTS.. AND I HAVE NOT RECEIVED ANY FORMS.. 

A consumer reporting agency shall not prepare or furnish an investigative consumer report unless the agency has received a certification under subsection ( a ) ( 2 ) from the person who requested the report.

( 2 ) Inquiries A consumer reporting agency shall not make an inquiry for the purpose of preparing an investigative consumer report on a consumer for employment purposes if the making of the inquiry by an employer or prospective employer of the consumer would violate any applicable Federal or State equal employment opportunity law or regulation.
Consumer complaint received 2023-01-26
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. (GA)

ACCORDING TO LAW, 15 USC 1681d ( d ) ( 1 ) ( XXXX, EQUIFAX, XXXX ) MUST CERTIFY INFORMATION FROM THE FURNISHER TO INSURE THAT FURNISHER, HAS GIVEN ME CERTAIN DISCLOSERS, TO INFORM ME OF MY CONSIMER RIGHTS.. AND I HAVE NOT RECEIVED ANY FORMS.. 

A consumer reporting agency shall not prepare or furnish an investigative consumer report unless the agency has received a certification under subsection ( a ) ( 2 ) from the person who requested the report.

( 2 ) Inquiries A consumer reporting agency shall not make an inquiry for the purpose of preparing an investigative consumer report on a consumer for employment purposes if the making of the inquiry by an employer or prospective employer of the consumer would violate any applicable Federal or State equal employment opportunity law or regulation.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MN)

I deposited a transferred check signed over after giving {$1900.00} to the person. I verified check and the issuing banks system confirmed the account was valid with funds to cover the amount. 
Chase took the deposit, placed a hold, lift the hold today released the funds than placed a block of XXXX my account and now opt to close it. First they asked me for contact info to verify the person signed the check over, I told them I didn't have that info available, after placing me on hold I get told the account is a fraud and all checks written are being returned unpaid, yet the system reflected the funds cleared on both sides. So chase now barred me out of account and took the {$1900.00}. Yet I can still verify the Physical check by the numbers, a fraudulent bank account would not come up as valid and funds available. Chase made a decision that is beyond their power, and have stolen funds due to me, I would like them back immediately, and they can take on the issuing party and the party who signed it over to me. I should not be out {$1900.00} that was paid to them after check was cleared. They held full amount for XXXX says with a lift hold date of XX/XX/23 which they lifted and released the credits today than took them with conflicting reasons. They are the party acting shady, what good would the other party confirmation of signing over check do if the account issuing said check was a full fraud, and why am I the one that suffered they have procedures and means to recover insured funds, I am out {$1900.00} and they just shrug it off.
Consumer complaint received 2023-01-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB, Inc. (AZ)

I have XXXX XXXX  XXXX has not sent me a statement regarding my claim for a XXXX I have provided all insurance information at time of service. XXXX  does this all the time including a visit for my XXXX
Consumer complaint received 2019-06-07
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. (TN)

Please reverse the late payments reported on the following accounts : XXXX   XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2023-01-26
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. (SC)

Under 15 US CODE 6802, ( A ) a financial institution may not disclose non public information to a non affiliated third party unless such financial institution clearly and conspicuously discloses to the consumer in writing or an electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to a third party. ( B ) the consumer is given the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such third party. ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. This means that by law, I have the right to opt out of having such information reported. I demand that all XXXX XXXX XXXX accounts be DELETED AND REMOVED from my Credit Report IMMEDIATELY!!!
Consumer complaint received 2023-01-26
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. (SC)

Under 15 US CODE 6802, ( A ) a financial institution may not disclose non public information to a non affiliated third party unless such financial institution clearly and conspicuously discloses to the consumer in writing or an electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to a third party. ( B ) the consumer is given the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such third party. ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. This means that by law, I have the right to opt out of having such information reported. I demand that all DXXXX XXXX XXXX  accounts be DELETED AND REMOVED from my Credit Report IMMEDIATELY!!!
Consumer complaint received 2023-01-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: JPMORGAN CHASE & CO. (FL)

Received a call from someone claiming to be a process server representing a lawyer with XXXX XXXX XXXX. When i returned the call, they said they were the " litigation department ''. They said I owed money from an old card, would not tell me when the card was opened or closed, and told me that I had waived my statute of limitations when I signed up for the card by a " tolling agreement ''. They then said I would be served with a summary judgement and my wages would be garnished. They refused to send any verification, and they said that they were not required to disclose any information to me until " the discovery phase ''. They had personal information about me including my name, address, and the last 4 digits of my social, which they read to me but never required me to actually verify my identity, and never stated it was an attempt to collect a debt.
Consumer complaint received 2023-01-26
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)

XXXX XXXX XXXX  XXXX XX/XX/XXXX past due XXXX days XX/XX/XXXX past due XXXX days XX/XX/XXXX past due XXXX days XX/XX/XXXX past due XXXX days XX/XX/XXXX past due XXXX days XX/XX/XXXX past due XXXX days XX/XX/XXXX past due XXXX days This is a notice to remove late payments from my consumer report. 

In accordance with Fair Credit Reporting Act Laws, the creditor " XXXX XXXX XXXX  has violated my rights.

Per Fair Credit Reporting Act Laws : 15 U.S.C. 1681 Section 603 d - Definitions ; rules of construction ( 2 ) ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1666b - Timing of payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX This letter serves as a formal complaint.
Consumer complaint received 2020-05-26
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Company has refused to give us information on their policy regarding these issues below : 1. I have done extensive work on our home and need to have it reappraised ( WE ARE REQUESTING AN APPRAISAL BE REDONE AS THE VALUE HAS INCREASED GREATLY ). 
2. I was told from beginning of loan that we are responsible for the Hazard Insurance and condo fees paid .I have paid it in full effect from XX/XX/XXXX to XX/XX/XXXX. We have called our Insurer and have been told that we can not make a payment until XX/XX/XXXX due to rates not having been sent or bills will not be sent out until then ( AT WHICH TIME WE WILL ONCE AGAIN MAKE FULL PAYMENT FOR A YEAR AGAIN XXXX ). THEREFORE THIS CANN0T BE INCLUDED IN THE OVERAGE THEY CLAIM ON THE ESCROW ACCOUNT DUE TO THEIR ERRORS IN CALCULATIONS AND MISAPPROPIATING FUNDS. 
3. Request for Federal law to be followed regarding forbearance for three months to not affect my credit and to be put the4 back end of loan not to be due within 3 months after the forbearance period ends per Covid-19 pandemic. 

I am disputing the so called Shortage and wondering where the funds collected at closing went and the HO-6 fee of {$310.00} paid in full for XXXX year not due until XX/XX/XXXX but will be paid upon issue of bill from company to be sent out XX/XX/XXXX to be paid in full once it is issued. MOST IMPORTANTLY THEIR IS A NEED FOR HOME TO BE REAPPRAISED AS SOON AS POSSIBLE TRIED TO HAVE THIS DONE PREVIOUSLY TOLD mASS HOUSING DID NOT PERMIT IT CALLED mASS HOUSING AND THEY STATED THEY HAVE NOTHING TO DO WITH THIS AND WOULD NEVER TRY TO BLOCK ONE FROM GETTING AN APPRAISED TO UP THE VALUE OF THEIR HOME ONCE WORK HAS BEEN DONE.
Consumer complaint received 2020-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (OH)

On XX/XX/XXXX I purchased two televisions from someone on XXXX! I did not know the person so I used XXXX XXXX  to protect myself! I met with the man at a public place, I paid him {$390.00} for two televisions and when I returned home neither of them worked. I immediately contacted Navy Federal to file a dispute. Two days ago I was sent an e-mail saying the amount never posted so there was nothing they could do, which was not true because you can clearly see the charge on my account! Today I get an e-mail stating they can can not comple the dispute, I must contact the person for a refund!! If I was able to contact the person for a refund I would not have had to file a dispute!! I am not going to sit back in a PANDEMIC and let you all steal money from me!!! Where is the consumer protection???? What is the point of you having a dispute department if you can not give people UNAUTHORIZED funds back!!! GIVE ME MY MONEY BACK!!!!
Consumer complaint received 2023-01-26
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. (CA)

XXXX XXXX XXXX XXXX XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days This is a notice to remove late payments from my consumer report. 

In accordance with Fair Credit Reporting Act Laws, the creditor " XXXX XXXX XXXXXXXX has violated my rights. 

Per Fair Credit Reporting Act Laws : 15 U.S.C. 1681 Section 603 d - Definitions ; rules of construction ( 2 ) ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1666b - Timing of payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX This letter serves as a formal complaint.
Consumer complaint received 2023-01-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (FL)

SantanderConsumerUSAs shady predatory lending practices has placed me in under great financial stress. I purchased a my first vehicle while in XXXX  through Santander and at the time, the car dealership ( XXXXXXXX XXXX XXXXXXXX ) collaborated in putting me a horrendous subprime auto loan ( with an APR of 25 % ) on a used 2016 XXXX XXXX. 

SantanderConsumerUSA was already in hot water for this exact reason after a class action lawsuit was brought up against the lender after numerous complaints of predatory lending practices and giving out auto loans with absurdly high interests rates to via subprime loans to at-risk borrowers. 

I ran into vehicle troubles after my 2016 XXXX XXXX engine imploded and bursted into flames. My insurance company ( at the time ) refused to assist me in any way, leaving me to cover the cost of the engine replacement and repairs. I made communication attempts with SantanderConsumerUSA regarding this matter and the lender and I were able to work out a form deferral ( of 2-3 months ) while I worked on resolving my vehicle troubles. 

After I managed to get my vehicle up in running, I struggled to catch up on my auto loan and its absurdly high interest. I kept making payments ( which ONLY went towards the auto loans interest ), and SantanderConsumerUSA placed my vehicle up for repossession regardless of my most recent payment and after the lender assured me I needed to make at least two monthly payments before the end of that month to be back up to current on the auto loan. That was apparently a lie, after they repoed my vehicle late Thursday morning without any notice ( no telephone call, letters, or emails received ). 

Now I am without transportation and my commute is XXXX miles to and from work. I am honestly baffled that SantanderConsumerUSA is still allowed to continue to operate after the backlash the lender received for its unethical and shady lending practices, leaving hundred of Americans to endure unnecessary financial stress.
Consumer complaint received 2023-01-26
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. (DE)

In Accordance to the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 



USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known Or which should be known to be inconvenient to the consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows it has reason to know that the consumers employer prohibits the consumer from receiving such communication 15 USC 1693 2 Section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the caller number.
Consumer complaint received 2023-01-26
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. (TX)

n accordance with the fair credit reporting act XXXX XXXXl 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 an account without my written instruction.
Consumer complaint received 2020-05-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I INITIATED A DISPUTED WITH EQUIFAX CREDIT REPORTING AGENCY ON OR ABOUT XX/XX/2020 AND THE FAILED TO INVESTIGATE THE DISPUTED ITEM WITHIN 30 DAYS. IN ADDITION THEY FAILED TO PROVIDE ME THE METHOD VERIFICATION FOR FROM PRIOR DISPUTED OR PROVIDE THE INFORMATION ON FILE PURSUANT TO SECTION 609 OF THE FAIR CREDIT REPORTING ACT ...
Consumer complaint received 2023-01-26
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. (CA)

In accordance with the FCRA Laws The Credit Reporting Agencies Experian, XXXX XXXX XXXX XXXX and all the Creditors that are listed on the credit reports where I made my dispute remarks are uploaded for your convenience, have Violated my FCRA Rights 15 U.S.C. 1681 section 602 A. - 15 U.S.C. 1681 section 604 A sec # 2.