davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
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. (FL)

In accordance wi the fair credit reporting act, 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 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

The company, XXXX XXXX, failed to notify us that their automated system failed to work because they sent our monthly statements to some address in XXXX, not our address ( XXXX XXXX XXXX XXXX XXXX MI XXXX. As a consequence, we were not even informed that their automated payment system failed. 

This complaint differs from XXXX - which is based upon their automated payment system not working. This complaint is that XXXX changed the mailing address we gave them ( above ) to some address in XXXX. After some investigation, it appears that someone who shares my name put in a change of address form with the USPS and that XXXX has some kind of automated system for culling such change of address information. As a consequence, XXXX stopped sending us monthly notices. Therefore, we had no way of knowing that their system failed ( until we reviewed our bank statement at the beginning of the following month ). 

Their assertion that they 'correctly reported a late payment ' is FALSE.
Consumer complaint received 2023-01-24
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. (FL)

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX FL XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2019-05-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SECURITY FINANCE CORP (MO)

I went to XXXX XXXX XXXX and closed a loan with them on XX/XX/2018 to pay off several very high interest loans. One of the loans was with Security Finance in XXXX, MO, where I live. XXXX XXXX XXXX overnighted via FedEx they payoff amount, ( It was a little over a {$1000.00} ) on XX/XX/2018 and they ( XXXX ) show on their internal accounting that the check was cashed on XX/XX/2018. Unfortunately due to XXXX ( XXXX XXXX XXXX  ) policy they can not provide me that accounting statement reflecting Security Finance cashing/depositing the check on Thursday XX/XX/2018. Security Finance says they received and posted the check on the following Tuesday XX/XX/2018, which caused there to be a 30 day late added to my credit report on that account when in fact XXXX has proof ( that they just cant give me for company policy ) they received and cashed the check on Thursday XX/XX/2018. Basically they assessed a 30 day late payment erroneously assesed to my account for reasons unbeknownst to me.
Consumer complaint received 2020-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (OH)

this number has called me repeatedly over the past couple of weeks. It begins as a robocall and I usually hang up but today I actually listened for the option to speak to a person. When a person came on the line she asked me to identify myself. I told her No, you called ME, who are you looking for. She said she wasn't going to say until I identified myself since I called. No I didn't! YOU called ME. Who are you looking for?

She said she didn't have to say so I hung up. 

I don't have ANY outstanding debt - if I did how could my credit score be XXXX?? I need them to stop calling me and not only that - if I ask who are you looking for, after YOU called ME, don't ever expect me to identify myself first. You've got to be joking.
Consumer complaint received 2019-05-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: REGIONS FINANCIAL CORPORATION (IL)

I am currently in the loan application process with Regions Bank in XXXX XXXX, MO. It's become clear to me at this point I will not be approved for the loan. The amount requested is {$19000.00}, which is basically my monthly gross times 3 ( months ). I attached my most recent pay stub along with my investment account balances as proof of cash. Please note, though these are retirement accounts, in the event of an emergency, I wanted to withdraw funds or the loan is called, i can start receiving periodic payments per internal revenue code 72 ( t ) ( 2 ) ( A ) ( iv ) without incurring penalty ( so, i have access to these funds if want/needed ). My wife and I are basically looking to consolidate our credit card debt to one lower monthly payment. 

I've attempted to explain that the loan would basically transfer what is already being paid to a monthly loan payment with Regions. I believe I am being denied, though I don't agree with the method/calculation used, because of my debt to income ratio. I have been a member of regions for close to seven years. In my [ bias ] opinion, I feel there is no doubt about my ability to repay this loan over the note period due to steady income stream from current employer as well as rental income. Worth mentioning I also received a % 4 raise after starting the loan process and am due for another raise and promotion later in the year ( XX/XX/2019 ).
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2022-06-15
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)

In accordance with the Fair Credit Reporting Act, XXXX  Account # 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.

My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, XXXX  Account 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 a account without my written instructions.

My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, XXXX  Account 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 a account without my written instructions. 

My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, XXXX  Account #, 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 a account without my written instructions. 

My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, XXXX  Account #, 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 a account without my written instructions. 

My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, XXXX  Account #, 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 a account without my written instructions. 

My legal rights have been violated.
Consumer complaint received 2022-06-10
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 Bankruptcy Reference # XXXX has violated my rights. 
15 U.SC. 1681 section 602 A. States I have the right to privacy.

15 U.sC. 1681 Section604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX is reporting a past due charge off balance on my credit report for the account that is paid off satisfied and should not be on my credit in first place ... I have been trying to contact XXXX XXXX XXXX on several occasions only for their automated system disconnect me after 30 -50 minutes of staying on hold.. They did send me satisfaction letter but still reporting a balance and bureaus are not removing this account and not updating the balance to {$0.00} because XXXX XXXX is NOT responding ... please help
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NM)

This complaint is about the unauthorized LexisNexis inquiry that was performed XXXX, XXXX, XXXX on me. I learned about this LexisNexis search from an XXXX credit report dated XX/XX/XXXX, report # XXXX. I did not give permission verbally or in writing to anyone or any party to conduct any LexisNexis inquiry or search about me. LexisNexis did not provide this critical information after I formally requested it. 
For this unauthorized LexisNexis search, I called XXXX the same day I received the copy of my credit report. XXXX representative advised me to call LexisNexis. 
I then called LexisNexis asking to know who requested the LexisNexis search on me. Their representative said We dont know the party, request your whole file. As part of that phone call, I requested my whole LexisNexis file. The LexisNexis representative told me that this is the only information available to me for this unauthorized report about me. 
On XX/XX/XXXX I received a damaged envelope from LexisNexis that contained only 19 pages of the 400-page report. I reported this loss to the USPS and to LexisNexis immediately upon receipt. 
On XX/XX/XXXX I received the full LexisNexis report that was 400 pages only to find that it did not include the information I needed the identification of the party who requested the unauthorized LexisNexis search about me dated XX/XX/XXXX. LexisNexis did not provide the critical information the identity of the person originating this search. I was and am extremely concerned about the sensitive information in this report. I am concerned that I am the target of identity theft. ( I froze my credit with all three credit bureaus immediately. ) As part of my own due diligence and wanting to know if vendors serving me - XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, my local utility companies, XXXX XXXX, XXXX XXXX, and XXXX might have initiated a LexisNexis search, I called them and they said no. None of these vendors requested a LexisNexis search on me. In fact, I was advised that it is not a normal business practice.
Consumer complaint received 2021-10-15
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. (MD)

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.
Consumer complaint received 2022-07-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (FL)

I send a domestic wire transfer of {$510.00} from my Wells Fargo account to XXXX XXXX  XXXX on Monday, XX/XX/XXXX. Unfortunately, my Wells Fargo account did not indicate that the money had been removed from my account, therefore I made the decision to send another wire because my Wells Fargo app indicated that the wire transfer had failed. My account was charged twice for the same wire the following business day, so I contacted Wells Fargo right away. I spoke with several agents over the course of two hours because no one was able to assist me, so I went in person to the branch. I've been calling for exactly one month, and no one has responded. However, this is intolerable.
Consumer complaint received 2020-09-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

I have sent certified letters since XX/XX/2020 requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. I also have attached your responses on 2 separate occasions via the CFPB portal. In either response did you provide sufficient documentation. I have also attached the required documents. 

The following negative account is listed below : XXXX XXXX # XXXX {$2200.00}
Consumer complaint received 2024-12-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Skopos Financial, LLC (TX)

Original Loan Amount : {$7900.00} Current balance : {$7100.00} Transact Date Principal Insterest Fees Payment Prin Bal Interest Due Payment XX/XX/year> {$0.00} {$100.00} {$0.00} {$100.00} {$6800.00} {$55.00} Payment XX/XX/year> {$0.00} {$100.00} {$0.00} {$100.00} {$6800.00} {$130.00} Payment XX/XX/year> {$290.00} {$0.00} {$0.00} {$290.00} {$6800.00} {$0.00} Payment XX/XX/year> {$25.00} {$270.00} {$0.00} {$300.00} {$7100.00} {$0.00} Payment XX/XX/year> {$110.00} {$180.00} {$0.00} {$290.00} {$7200.00} {$0.00} Payment XX/XX/year> {$86.00} {$210.00} {$0.00} {$290.00} {$7300.00} {$0.00} Payment XX/XX/year> {$0.00} {$290.00} {$0.00} {$290.00} {$7400.00} {$81.00} Payment XX/XX/year> {$110.00} {$86.00} {$0.00} {$200.00} {$7400.00} {$0.00} Payment XX/XX/year> {$110.00} {$180.00} {$0.00} {$300.00} {$7500.00} {$0.00} Payment XX/XX/year> {$250.00} {$41.00} {$0.00} {$300.00} {$7600.00} {$0.00} I have paid {$2400.00} to this account and only {$1000.00} has gone to Principal they are taking {$1400.00} in interest. That comes to a {$180.00} per month in interest payments that comes to {$6.00} per day that they are charging me. This is considered predatory lending charging high interest rates not by the month but by the day. So you would be locked into this loan long term with no end of paying it off. If XXXX payoff this loan today it would cost me 10 day payoff : {$7200.00} - valid until XX/XX/XXXX and the Original Loan Amount : {$7900.00} which means I would have only paid {$650.00} toward the principal.
Consumer complaint received 2020-07-16
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. (AR)

I was trying to trade my vehicle for a XXXX, since I have an old car and it is soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that someone has been using my name to open up accounts that should of never been open. These accounts are not mine. I need them removed as soon as possible from my name. Thank you.
Consumer complaint received 2022-09-17
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (CT)

M & T conversion from XXXXXXXX XXXX XXXX is a nightmare. 1 ) Could not use ATM cards sent by M & T bank with its passwords sent to me. 2 ) Could not withdraw cash from my account. 3 ) Bills to be paid via the back to my mortgage company did not appear for days. 4 ) when calling into M & T cutomer service, hold times were hours. 5 ) At the bank, lines were excessive and excessive and items reportedly corrected were not and I had go back 4 times. 6 ) Spent about 6 hours attempting to get resolution. 6 ) Staff was NOT trained properly and its " new " transition conversion system was obviously not user or conversion tested. Customer Service reps at M & T literally said, " I don't know ''.
Consumer complaint received 2024-11-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (TX)

utive dayscombined with entries for regular payments to vendorsmakes it difficult to track my actual balance and creates suspicion about possible internal misuse of my account. 

For example, on multiple dates, I see charges and credits for {$45.00} listed as Item Transfer, Acct Bal Transfer ( TF ) alongside vendor payments of the same amount. I have not been provided with sufficient details by Wells Fargo to justify these entries. I am concerned this practice could be designed to obscure the actual flow of funds and potentially misappropriate customer money. 

I am seeking CFPBs assistance in investigating the following : 1. Verification of the legitimacy of these repeated transfers. 
2. Transparency in transaction descriptions so customers can clearly understand each entry on their account.

3. Assurance that Wells Fargos handling of account transfers complies with federal banking regulations, ensuring no misappropriation of customer funds occurs. 

Thank you for your attention to this matter. I am hoping for a swift investigation and resolution to ensure that my funds are secure and properly managed by Wells Fargo. 

Sincerely, XXXX
Consumer complaint received 2020-07-16
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Consumer complaint received 2019-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Data Corporation (TX)

TeleCheck continues to allow fraudulent checks to be written in my name to merchants and provides no relief for ID theft. They continually ask for information they are not entitled to like drivers license number, DOB and SSN. I have not written a paper check in years and there is no path to resolution with this company. I fear that this fraud will negatively impact my perfect credit. The most recent letter is dated XX/XX/19 for a transaction of {$130.00}, reference number XXXX.