davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-24
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. (AR)

On XX/XX/2021 I sent off 3 letters to XXXX, Transunion and XXXX  informing them that there were some forcible inaccuracies on my credit report and that I wanted them removed. It has been over 45 days and I have yet to receive even the slightest response. The FCRA states that the bureaus have a specific number of days in which to respond and we are well beyond that. I am considering litigation at this point as these inaccurate violations are abusive. Thank you. Please have them delete these erroneous items from my credit report as the laws state is their responsibility and my right.
Consumer complaint received 2021-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (ND)

Midland Credit Management purchased a debt from XXXX XXXX XXXX  and I had no involvement with the transaction. I have reached out to the multiple times via USPS, and have a certified mail number XXXX asking MCM for information that shows I in fact owe this alleged debt ... .they have not produced this. 

According to 15 USC 3002 I am the natural person which means my name in all caps is not me. My name is XXXX XXXX. 

In 15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection Bureau, XXXX, XXXX and XXXX are assuming to be credit Bureaus and their is only one bureau and that is the Consumer Financial Protection Bureau. 

Also, on XX/XX/, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress... in the payment of debts.

This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. '' Furthermore, I never agreed for my information to be shared with anyone at any time nor did I receive any disclosures and according to 15 USC 1681 ( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ).
Consumer complaint received 2021-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (TX)

I had a mortgage with XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX ) closed on XX/XX/21 for the amount of about $ XXXX. Since then I made two payments to them : {$50000.00} on XX/XX/21 due on XX/XX/21 and {$100000.00} on XX/XX/21 due on XX/XX/21. I got statements from them that the payment was accepted and my principal balance is {$650000.00} dated XX/XX/21. 

On XX/XX/21 the mortgage was transferred to Community Loan Servicing LLC XXXX XXXX. XXXX XXXX XXXX, OH XXXX ). But these guys dtate that my principal balance is {$800000.00} and required payment due on XX/XX/21. That is they lost about {$150000.00} principal payments, incorrectly calculated due date, charged interest on higher amount, and charged late fee because I made next payment on XX/XX/21. 

I contacted Community on XX/XX/21, XX/XX/21, and XX/XX/21. Every time they promised to resolve issue in 48 hours.
Consumer complaint received 2022-12-28
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. (OH)

I was damaged by the Equifax XXXX XXXX in XXXX. My personal information was compromised, and fraudulent accounts were open in my name and is still being reported on my consumer report. I've paid out of pocket {$4800.00} in credit monitoring products and placing and removing a credit freeze on my credit file from XXXX until now XXXX. I've also paid out of pocket {$3500.00} in legal fees for litigation in regards of identity theft, fraudulent accounts and other misuses of my personal information caused by the XXXX XXXX in XXXX. I am still fighting for remedy because of this breach, I've been denied for employment in XXXX and XXXX because of this breach, I've been denied extension of credit from 3 financial institutions, and I've also been denied rental access because of this breach. My character and credit reputation has been ruined due to this breach, and I am in entitled for reimbursement of all the funds I've paid out since XXXX in order to save my character and credit reputation.
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I am a XXXX XXXX XXXX widow and have banked with Wells Fargo for over 30 years. I was a victim of fraud and ELDER ABUSE, Wells Fargo bank failed to recognize several red flags as will be described below and this has caused severe distress and financial ruins based on their lack to take additional steps and stop to identify clear red flags. Based on my age that is in the account record locator it should have been obvious that this was a fraudulent Transaction. This is elderly financial exploitation!!! 
XXXX XX/XX/2022 I received an email XXXX  XXXX stating I was being charged {$350.00} for a defender service. The email stated that I call a number if I didnt want the service so I did. The gentleman proceeded to tell me that he would need to access my account through my computer. He then said he would refund the money in doing so. I then received a wire transfer to my account from him for {$35000.00}. He said he made an error, and that i needed to go to the bank right away to send the money back. He told me what to say. At XXXX I proceeded to Wells Fargo Bank . XXXX XXXX was the advisor that helped me. The international wire transfer of {$34000.00} was initiated at XXXX. I proceeded back home where this gentleman XXXX XXXX called me again. He then told me i could not access my computer OR my bank account until XX/XX/2022 at XXXX, and that if i did i would lose all my money. I called my daughter at XXXX to tell what had happen. She immediately went into distress. 30min later she was at my house. I was on the phone again with XXXX and he kept telling me NOT to do anything but wait. My daughter also spoke to him and he told her the same, not to do anything. We hung up and called Wells Fargo Bank to report this fraud. We tried to go into the branch but it was already XXXX, and the branch was closed. We called back the fraud dept and XXXX was helpful to close my accounts. XXXX said we would have to visit the branch in the morning to discuss the wire transfer. Today XX/XX/2022 i visited the Branch at XXXX. XXXX was there to assist again. My daughter explained to him that this is Elder abuse and that proper protocol was not followed given the extensive training for these situations. This is my life savings. I am retired and have minimal income. I feel i was not profiled enough to see that i was in distress as an elderly woman. My banking history was not pulled to see that XXXX XXXX I am a XXXX XXXX XXXX widow and have banked with Wells Fargo for over 30 years. I was a victim of fraud and ELDER ABUSE, Wells Fargo bank failed to recognize several red flags. My history was never pulled to see that Ive never wired money in the 30years of banking with them. 
Ive had to change my accounts, phone number, email and take my computer to get restored. This is complete elder abuse
Consumer complaint received 2023-03-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (MD)

I deposited my income tax refund check and they wanted to prove it was made to me but yet they cashed it to take their fees out of it and won't give me the balance and close my account
Consumer complaint received 2023-01-19
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. (GA)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GU XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Arivo Acceptance, LLC (OR)

I retrieved a copy of my credit report XXXX, XXXX and discovered an inquiry that I have no knowledge of. On XX/XX/year>, XXXX/ARIVO ACCEPTANCE appear on my credit report as a hard inquiry that impacted on my credit score. I never authorized inquiry on my credit report for this company. Please launch an investigation into XXXXARIVO ACCEPTANCE inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXXARIVO ACCEPTANCE is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2023-01-19
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. (CA)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXXXXXX Balance : {$9100.00}
Consumer complaint received 2020-12-03
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: Santander Consumer USA Holdings Inc. (NE)

I have contacted the credit agency and the company themselves on numerous occasions since XXXX XXXX, 2020. I have both electronically and in writing by mail, submitted my identification documents, proof of address, identity theft reports and additional documentation. I also received notice that this account would be zeroed, deleted from my report and the title to the said vehicle sent to my address. 

The account has been refused to be blocked even after notification of my request for it to be blocked and still reports a $ XXXX balance. This was dealer fraud and the contract is not legit. I was also told I had to purchase a service contract if I wanted the vehicle by the sales manager along with the loan being written when I hadnt taken possession.
Consumer complaint received 2023-01-19
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. (NY)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-01-19
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2021-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NH)

I have had a PayPal account for many years and use it only infrequently for small purchases. I recently sold a surplus item on XXXX for about {$440.00} and the buyer paid via Paypal. That transaction closed successfully but I did not withdraw the funds and intended to " spend '' them on future small transactions. 

This week I sold another item on XXXX for a total of {$890.00} + tax. The buyer paid via PayPal but the transaction remained " pending '' for 2 days. I determined that the buyer had used my personal email account for the payment and that email address is not linked to my PayPal account. I added my personal email account and the payment completed within the hour. 

PayPal then immediately and permanently locked my account so that funds are not accessible and I am no longer permitted to use PayPal. I have made repeated attempts to find out why this was done or at least explain the circumstances leading to this but PayPal has only responded that my account is locked and their policy is not to disclose why. 

I'm told that PayPal will hold the funds in my account for 180 days and then contact me to tell me if the funds can be withdrawn. 

I was able to initiate a refund to my buyer but I'm concerned at PayPal 's ability to do this without warning or explanation. XXXX searches have revealed that this is not uncommon and other PayPal users have been similarly stonewalled.
Consumer complaint received 2022-09-18
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 the Fair Credit Reporting act 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 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 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (FL)

I have a credit card, which I am paying every month if it is missing. This company sent me a letter saying that they can not renew my card because they closed my account and they told me that they will continue to charge me interest. I told him that this can not be done, because if they were the ones who canceled my account, they can not continue charging me the interest that the balance owes in the same amount, so that I can finish paying that account.
Consumer complaint received 2019-05-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (NE)

On XX/XX/XXXX I noticed a payment on my account in the sum of {$6200.00}. Immediately I reached out to Great Lakes to figure out what this payment was about. I customer service agent I spoke with told me it was a payment made by USDA on my loan and it was an actual payment and was correctly applied to my account. Then on XX/XX/XXXX, almost a year later, I receive a call from Great Lakes informing my that was account was past due by 351 days and I owe them {$1100.00} immediately and another {$1400.00} by XX/XX/XXXX to get my account current. I asked them when this came about they informed me that the payment applied to my account was applied incorrectly, and removed from my account. I asked the account specialist I spoke with and was informed my statements were correct, but if they were correct then the payments should still be on my account but they can't give me an answer beside the fact it was applied wrong account.
Consumer complaint received 2022-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NV)

To whom it XXXX concern, 4 years ago Saturday, XX/XX/2018 my family and I literally moved across the country after signing a lease online, moved my family to this apartment complex XXXX XXXX XXXX XXXX, After driving 4 days and paying an additional {$1000.00} dollars to receive the key the apartment was absolutely horrible so we decided to go to a hotel for the night to figure out what we should do. I explained to them we could not live there and they explained they had other apartments in their portfolio so I agreed to look and found nothing to our liking. They refused to give us any of the money back we gave them and put a collection on my credit in the sum of {$4500.00} now it's in the hands of a collection agency. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, GA XXXX. 
Thank you for your time in this matter, XXXX XXXX XXXX
Consumer complaint received 2023-01-19
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-02-24
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. (TX)

The bank XXXX XXXX XXXX XXXX is reporting a late payment for XXXX & XXXX of 2020 on my credit reports that is violating the law. The Cares Act Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) states that account affected by Covid-19 should not be reported late while Covid-19 is going on, and the law is retroactive to XX/XX/2020. The reported late payments should be updated to payed as agreed and the late payment removed from the credit reports based on the law.
Consumer complaint received 2023-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America wrongfully closed my credit card account for literally no reason at all back in XX/XX/2022 even though I was making consistent on time payments and never had any issues with making payments. 

They have no right to close my Credit Card account because I'm the one that extended credit to Bank of America via my SSN and they used my application as collateral security to establish the account ( Federal Reserve Act Section 16 Parts 1 & 2 ). Banks have no power to issue anything, the powers and duties of banks are TO BORROW. Bank of America didn't extend me credit ; I extended credit to Bank of America. Therefore, I hold all Titles, rights, and am owed all security interests on this account. 

I have reached out several times to get my credit card reopened but they have willfully and negligently denied and discriminated against me from accessing my own credit. 

They went on to charge off my account and sold it to a 3rd Party company ( That I never consented to have my PERSONAL non-public information sold to, which would be Identity Theft ). Bank of America has clearly severely violated my consumer rights and I am looking to get all damages owed back to me.
Consumer complaint received 2023-01-19
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.