davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (ID)

Fraudulent transactions occurred on my account and Wells Fargo has refused to reimburse me. Wells Fargo is in blatant violation of Regulation E, a protection for consumers in situations like mine. They refuse to respond to specifics and have lied to not only me, but the CFPB, XXXX, and law enforcement as well. Wells Fargo is a multi-billion dollar institution that has millions of insured dollars to protect customer like me. However, they get greedy and malicious because they believe they can get away with scamming me out of my money since I am a young customer. The acceptable solution of this situation is the immediate return of the {$5700.00} in fraudulent transactions that is rightfully mine. I have already contacted the OOC about Well Fargo 's violations of Regulation E and consumer protections. If they continue to skirt the law, they may leave me no choice but to pursue legal resolution. Wells Fargo has been wasting my time, sanity, and livelihood by not doing the right thing in this situation.
Consumer complaint received 2024-12-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (MD)

I am an XXXX XXXXXXXX XXXX XXXX who assumed a VA loan in XXXX from a military seller who had a mortgage with Freedom Mortgage. Shortly after closing the sale, I became unable to access my online account ( which contained basic features such a as viewing remaining balances, escrow balance, setting payment schedules, etc. ) When I reached out to Freedom to rectify the issue, they told me it was a problem with all loans that were VA loan assumptions and they were working to fix it. In early XXXX, after several months of phones calls inquiring about when the issue would be resolved, I sent an email asking for a firm timeline on when the problem would fixed. Freedom Mortgages response on XX/XX/year> included the line we do not have a specific timeframe for when this issue may be resolved, nor can we confirm that the updates will be implemented. I interpret the second half of that sentence to mean they will not commit to restoring this basic service that they provide to other mortgagees, but deny to those who assumed VA loans. 

I do not believe Freedom Mortgage is providing the level of service required of mortgage companies that are authorized to issue VA loans, and I would like this issue resolved. 

Thank you for your time. 


Regards, XXXX XXXX.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (LA)

In 2019 I financed a car with XXXX XXXX XXXX XXXX but returned it to dealer 2 days later due to mechanical issues that declared the vehicle as a lemon. They refunded my down payment and issued a written statement by mail and email they submitted to the bureaus to remove the loan account from my report. I have a copy of the letter that was written by this company to delete the account. XXXX and XXXX have removed the loan account, however Equifax is still reporting it as a closed account with a balance when it is an account that should not be reporting at all.
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (MD)

I called on XX/XX/28 at XXXX AM. The company refused to close my account and stated that, " we can close XXXX account but not all accounts. " State law requires the bank to close my account within a reasonable amount of time after making the request. I'm not sure why they think this law doesn't apply to them.
Consumer complaint received 2022-06-27
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)

In accordance with the Fair Credit Reporting Act AD 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 states : A consumer reporting agency can not furnish an account or account information without my consent
Consumer complaint received 2024-12-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FRESNO CREDIT BUREAU (CA)

I sent this following letter in XX/XX/year> and they responded last week. They sent me a documentation which provides no explanation. The documents they sent shows all the paper work was signed by my son who was XXXX XXXX XXXX at that time. No bills or statements were sent by the provider and I called them today. It looks like they used the wrong medical billing codes with wrong explantation. 

The debt collection agency threatened me that if I dont pay it in 30 days it will go to my credit report and they are not ready to listen. They just told me to pay and then talk to the provider. It looks like there is some kickback scheme going on. I will really appreciate if you can investigate. I will be reviewing the medical notes & billing and will be contacting appropriate agency to look in to it. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA-XXXX CBUSAAdministrative Office XXXX CA XXXX Subject : Dispute of XXXX XXXX XXXX XXXX Account XXXX Dear Sir/Madam, I am writing to formally dispute the debt referenced above, which your agency is attempting to collect. The charges from XXXX  are not accurate for the following reasons : Insurance Coverage : My insurance should have covered these charges, and I have verified with my insurance company that the claim was processed correctly. 
Billing Errors : There are discrepancies in the billing that need to be addressed. 
I have never received any statements from XXXX and in fact last year I went to their office and they never said anything about the balance due. 
Please investigate this matter and provide a detailed explanation of the charges. If errors are found, I request that you correct them and adjust the account accordingly. 
Under the Fair Debt Collection Practices Act, I am requesting that you cease all collection activities related to this debt until the dispute is resolved. Additionally, please confirm receipt of this letter and inform me of the resolution of this dispute at your earliest convenience. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-06-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (NV)

i have never ask for my medical information to be release once i inform them of that they have violated the HIPAA LAW they told me no they have not because they partner with the hospital XX/XX/2022 was first reported on my credit report Amont : XXXX
Consumer complaint received 2022-08-12
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
In accordance with the Fair Credit Reporting Act these above companies have violated my rights 15 USC 1681 section 602 ( A ) states that i have the right to privacy. 15 USC 1681 604 ( A ) section 2 also states that a consumet can not furnish my account information without my written instructions.
Consumer complaint received 2022-04-12
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)

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-04-25
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: Experian Information Solutions Inc. (SC)

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.
Consumer complaint received 2024-11-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (TX)

I believe the account is invalid. RADIUS GLOBAL SOLUTION needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

RADIUS GLOBAL SOLUTION XXXX
Consumer complaint received 2022-08-12
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: Experian Information Solutions Inc. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I sent a letter addressed to the Credit Bureaus last XX/XX/2022 requesting that the Credit Bureaus conduct an investigation and correct the information being reportied by the furnishers. I have also sent letter before the said date and have been waiting for the Credit Bureaus to respond and yet they have sent me nothing. The 3 credit bureaus must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX Late Date XXXX
Consumer complaint received 2022-06-27
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-04-22
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

THIS IS NOT A DUPLICATE COMPLAINT, THIS IS A NEW COMPLAINT WITH NEW SUPPORTING DOCUMENTATION XXXX  is reporting from XX/XX/17 through XX/XX/17 that I was up to 120 days late on my mortgage. I was in a TRIAL MODIFICATION PROGRAM. Due to the overwhelmed XXXX XXXX XXXX, my trail period was extended a few times. XXXX provided the letter that it was modified and sold as current and paid. BUT on my credit report, they have reported me as late. 

This is against Federal Law, and you will see attached my supporting documentation of this,
Consumer complaint received 2024-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (OH)

Wells Fargo Visa offered 21 months XXXX percent on balance transfers. In the 21 month period I was given increased credit credit line to {$20000.00}. Never missed a payment and always paid more than the minimum. I was carrying a balance of {$13000.00} at month XXXX Wells Fargo reduced my credit limit by {$6000.00} causing my credit score to fall XXXX points and showed my card at maxed out. I was only notified by the change via snail mail which I received after they reduced my credit.
Consumer complaint received 2024-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TN)

I tried to cancel my monthly payment after I had already made a {$2900.00} payment, simply to prevent my bank account being overdrawn. Citi bank charged me a {$29.00} return fee and refused to waive this fee. I spoke with an agent by the name of XXXX, who claimed he cant waive the fee which is not accurate. All I wanted to do is fair credit and not have to pay more than what I used. These big banks are constantly screwing customers and federal government is allowing it. When is enough an enough until when will federal government allow big banks charge outrageous fees and interest rates. I want a hefty penalties imposed on these big banks. This is a monopoly and we the consumer is getting screwed. Is CFPB gon na do something
Consumer complaint received 2022-08-22
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. (MN)

old account past the stature of limitations is been put on my account and continue to be updated by XXXX and XXXX with current date. Accounts that do not belong to me due to identity theft.
Consumer complaint received 2022-06-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I have reached out to credit acceptance multiple times XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX... They have not responded to my letters. They expressed to me that the company " credit acceptance '' no longer holding the contract but still reporting it on my consumers report with the wrong contact Information. They have sold the account to a collection agency. They did not disclose this Information to me. 15 U.S code 1681b They do not have my hand written signature giving permissible purpose.
Consumer complaint received 2023-03-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money (IL)

This lender is in a class action suit because its a predatory loan with 7000 % interest. 



IN THE UNITED STATES DISTRICT COURT FOR THE NORTHERN DISTRICT OF ILLINOIS EASTERN DIVISION MATTHEW HALL, ) on behalf of Plaintiff and the class ) members described herein, ) ) Plaintiff, ) ) v. ) ) MINTO DEVELOPMENT ) CORPORATION ; ) BENHTI ECONOMIC ) DEVELOPMENT CORPORATION ; ) XXXX XXXX XXXX ; ) MINTO FINANCIAL d/b/a Minto Money ; ) and JOHN DOES 1-20, ) ) Defendants. ) COMPLAINT CLASS ACTION INTRODUCTION 1. Plaintiff, XXXX XXXX, brings this action to secure redress against the making of usurious loans to Plaintiff ( Exhibit A ) and other Illinois residents by Defendants Minto Development XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), Minto Financial d/b/a Minto Money ( Minto Money ), and XXXXXXXX XXXX XXXXXXXX. 
2. Plaintiff seeks a declaratory judgment that the loans are void and an injunction against their collection ( Count I ), damages pursuant to the Illinois Interest Act, 815 ILCS 205/6 ( Count II ), damages and injunctive and declaratory relief pursuant to the Illinois Predatory Loan Prevention Act, 815 ILCS 123/15-1-1 et seq., and the Illinois Consumer Fraud Act, 815 ILCS 505/1 et seq. ( Count III the Predatory Loan Prevention Act provides that violations are a violation of the Illinois Consumer Fraud Act ), and treble damages under RICO ( Count IV ).

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Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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

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 2022-04-22
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

I allowed a friend XXXX XXXX to live with me in the summer of XXXX and again in the spring of XXXX. Now I am trying to qualify for a home loan and I have found at least four credit cards and other items that he used information to fraudulently open. XXXX is a 2 time felon for fraud and money laundering, I found this out later. He fraudulently obtained a Covid PPP loan and he has no business. My last known contact for him is XXXX. He was working for the XXXX XXXX in XXXX that had the issues with the XXXX newspaper. He is on probation. He was accused of XXXX and was questioned by XXXX police so I made him leave. The last I heard he was living in XXXX. I would gladly press charges if needed.
Consumer complaint received 2021-07-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FC HoldCo LLC (CA)

I don't recognize majority of the accounts and i never opened any service with this companies and i think someone else in using my information without my knowledge and i don't recognize them. 
Plus i never been notified about this not even the credit report agency have never notify me this. 
And i dont recognize them and i request ask them to send me any proof of my signature otherwise they are responsible for affecting my credit for reporting wrong information on my credit report score as well the credit report agency are responsible that is affecting that why I can't access to get credit or any federal funds.
Consumer complaint received 2022-06-27
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: National Credit Adjusters, LLC (TN)

National Credit Adjusters , LLC are attempting to collect a debt on behalf of XXXX XXXX. National Credit Adjusters , LLC and XXXX XXXX is reporting incorrect information to XXXX. On my report National Credit Adjuster is listing the date the account opened as XX/XX/XXXX which is not correct. When I requested the debt to be verified they forwarded documentation from XXXX XXXX with the date listed as opened on XX/XX/XXXX and that it has been in collections since XX/XX/XXXX, but been past due since XX/XX/XXXX. 
There's XXXX conflicting dates on the documentation forwarded to me in their attempt to verify this debt. By law they are required to report accurate information and that's not being done.
Consumer complaint received 2022-06-27
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 XXXXXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 602 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.