davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
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 fair credit reporting act i believe XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-12-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AZ)

First, I would like to say I do not call the bank once a week or even once a month asking for help. I am a long-time customer, and they can see my account is usually in good standing. I have asked for help with fees XXXX other time in XXXX. I do not make a habit of getting overdraft fees. 

I am asking for help with XXXX recent overdraft fees. My checking account recently went into a tailspin as a result of a $ XXXX XXXX  XXXX I called the party that issued the XXXX, and they agreed to give me the money back. They sent a letter to Wells Fargo on XX/XX/XXXX telling them to put the $ XXXX back in my account, however for whatever reason, Wells Fargo XXXX not get it until XX/XX/XXXX. Meanwhile, I was charged XXXX overdraft fees from auto pay bills going through my account. If the money had been back in my account on XX/XX/XXXX, I never would have received the overdraft fees. Wells Fargo can clearly see the letter they received to reverse the XXXX  was dated XX/XX/XXXX and I feel it would be in good faith to reverse my overdraft fees since the fees came well after XX/XX/XXXX. 

I feel this another way of Wells Fargo being unfair, predatory, and taking advantage of people. Please help. I am asking Wells Fargo for {$140.00}, not a pot of gold. 

Thanks XXXX
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX COMPANY Account XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I was looking over my credit report and found an address that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do their website. To make the process of deletion easier, here is the address that I am currently seeing listed which I would like removed please : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX. XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Once you have deleted the inaccuracies names and address from my credit report, please send me a copy of my updated report. 

Thank you XXXX XXXX
Consumer complaint received 2022-06-17
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. (LA)

I have contacted all bureaus and the furnisher to get the late payment removed from XXXX XXXX  Account XXXX. This account was not late in XXXX, XXXX, XXXX, or XXXX of XXXX and there were no late payments reported during that time period. ( XXXX XXXX  reported multiple false late payments after I paid the balance of the vehicle off ) In XXXX of XXXX, I was displaced by a natural disaster ( flood ). I contacted XXXX XXXX and advised them of the situation. They informed me payments were deferred for 6 months ( XX/XX/XXXX ). A payment was taken out of my XXXX XXXX checking account without my permission & when I spoke to an accounts manager, the money was reversed back to my checking account. I paid the entire balance off the following week ( still within my 6 month deferment ) & XXXX XXXX reported multiple late payments when they should not have. This is an illegal credit reporting violation of the FCRA.
Consumer complaint received 2020-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The following debt is NOT mine. Weve asked XXXX XXXX for the following and received nothing of what we asked for. Original Contract with my signature, pay off Disclosure, interest Rate Disclosure, balance history, payment history, credit Insurance. Thru this service weve received nothing so far. Attached you can see that this debt started XX/XX/16 ... XX/XX/16 ... XXXX. I live always in Pennsylvania and 4 years is the maximum this company can collect on this debt. The state laws as the Statue of limitations is 4 yrs. So this is over now, and since they can not show me one check of payment from me, this debt on my credit is over.

THRU CFPB last month and the month before we asked XXXX XXXX for proof and received none of the above ( 5 ) contract documents. NOW as of this month the statues are up. Are you Consumer Protection Bureau Not going to Demand that this company, whos been violating my rights for ( 4 ) years, not going to do the right thing by me???
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a credit card with Capital One Bank, the account is reporting to XXXX and XXXX only. When I called Capital One Bank, I was told it should be reporting to all 3 credit reporting agencies ( XXXX, XXXX, XXXX ). I was told the issue would be fixed and the card should be reporting to XXXX as well. However, Capital One Bank put a " dispute '' mark on the account with XXXX  and XXXX. The account was not disputed when I contacted Capital One Bank. The account is still not reporting to XXXX.
Consumer complaint received 2023-03-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

Hackers accessed the XXXX account that is part of my USAA account. Someone deposited {$240.00} into my account and immediately withdrew it. 

Shortly afterwards, XXXX removed {$500.00} and {$200.00} from my checking account and sent the payments to someone I do not know. I never authorized the payments. 

However, USAA has denied my claim. They say the problem is with XXXX not USAA. However, I only have XXXX through the USAA app, so I disagree. The sum is close to {$750.00}. It may be an insignificant sum to some people, but quite a large amount of money to us.

To say I was disappointed in USAA would be an understatement.
Consumer complaint received 2020-11-12
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: Specialized Loan Servicing Holdings LLC (MI)

XXXX  XXXX XXXX allowed my ex husband to do a loan modification with only his signature on a home equity line that was court ordered to be refinanced and taken out of my name AFTER we were divorced 6 years. My ex husband then defaulted on that loan, it was sent to a collection company and both the late payments and the line of credit from the collection account are both appearing on my credit. I have all necessary court documents to provide as well as a copy of the fraudulent modification loan.
Consumer complaint received 2020-11-12
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am waiting for my check for $ XXXX XXXX  XXXX said that they have sent the check but I have not received it. I get email from the bank the check is cashed. I need my money. My account number is XXXXIf I am not given my money will go legal.
Consumer complaint received 2022-06-17
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. (AL)

IDENTITY THEFT AND FRAUD INACCURATE INFORMATION DELETE CHARGE OFF. 15USC 1681e ( b ) ACCURACY OF REPORTING AGENCY WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY. 
XXXX AND XXXX HAS DELETED CHARGE OFF. CHARGE OFF IS XXXX IRS TAX FRAUD WHO HAS GAINED GROSS INCOME ATTEMPTING TO COLLECT A DEBT THEY DONT OWN. DELETE CHARGE OFF AND TAX FRAUD FROM CONSUMER REPORT.
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma (CA)

I was on Credit Karma which I've used for years to monitor score. Went to my offers for credit card offers. Some were labeled " XXXX XXXX '' in which the website explained that my odds of getting approved were so high that if I applied and get denied that Credit Karma would put {$50.00} in my " Spend '' checking account. It has been over 60 days which is the time frame they provided to offer my refund. Not only do I not have the {$50.00} my credit dropped by XXXX 's of points bc of the hard inquiry and denial. Because of this I am occuring additional costs from additional interest incurred by the balance I couldn't transfer due to credit karmas false claim. I see that they were sued for this last year. I reached out to support and they responded to me XX/XX/23 saying that it may take up to 60 days. I responded to that same conversation XX/XX/23 to ask about status and received no reply.
Consumer complaint received 2022-12-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-17
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. (OH)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-19
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. (CA)

Your Information First name : 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 XXXXYou have lived at this address XXXX XXXX XXXX Update Details about the identity theft Theft Incident : Other Identity Theft With what company or organization did the identity thief pretend to be you? Name of an organization representative that you spoke to : Organization 's phone number : Organization 's email address : When did you first notice the problem? If you know, estimate any fraudulent charges.0Account number : Update Add a Theft Details about the person that used your identity First name : Middle name : Last name : Company name ( if applicable ) : Street address ( including apartment info ) : Country : UNITED STATESCity : State : Zip code : Phone number : Email address : Relationship : How did the suspect get your information? 
Do you have any additional information about the suspect? 
Update Additional Information Have you reviewed a copy of your credit report? 
Yes Was any personal information wrong in your credit report? 
When you apply for credit, the lender places an inquiry in your file. Inquiries are listed near the end of your credit report. If you see any inquiries that you didnt initiate, please list them here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have you contacted your local police department?

NoPolice department : State : Have you requested a fraud alert from one of the three national bureaus ( XXXX, XXXX, TransUnion )? 
No Was your personal information exposed in a data breach? If so, you might have access to free insurance or repair services. 
No I have received data breach notices from the following companies : Has a debt collector contacted you about an account that isn't yours? 
No Were there any fraudulent accounts included in your credit report? 
Yes Update Comments about your situation 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
Consumer complaint received 2023-03-14
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. (AL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-17
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. (VA)

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. 
XXXX XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UMPQUA HOLDINGS CORPORATION (WA)

After opening my initial complaint and coming to the realization of the facts after further research ... 

XX/XX/XXXX we notified our then current mortgage company, Umpqua Bank, that we would change our existing home owners insurance from XXXX XXXX to XXXX XXXX. On XX/XX/XXXX Umpqua added XXXX and made policy payment to them for the year. Rather than cancel XXXX XXXX, they made a year long policy payment to them as well on XX/XX/XXXX. 

XX/XX/XXXX Umpqua transferred our loan to XXXX XXXX. Upon prior complaint and CFPB investigation, XXXX stated that Umpqua neglected to include XXXX policy and listed XXXX XXXX as our insurance. In the meantime, on XX/XX/XXXX XXXX XXXX once again, requested payment from the mortgage company for XXXX policy and XXXX paid them another {$1400.00}. Meanwhile XXXX insurance is mailing us cancellation notices for nonpayment. 

XX/XX/XXXX XXXX finally pays the correct insurance company ( upon request ). But once again, for the second year in a row I have paid TWO homeowners policies. That makes me sick to think how hard this pandemic has hit our family financially this year. We didnt want to pay for two policies but we did unbeknownst to us until now. We just wanted to save $ XXXX {$700.00} per year by changing companies to a more affordable option. We had enough of XXXX XXXX increasing their rates year after year. 

Unfortunately, during the transition of my loan, Umpqua Bank and/or XXXX completely failed to manage my escrow account properly and that is my complaint.
Consumer complaint received 2023-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2022-06-17
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XX/XX/XXXX - XX/XX/XXXX My name is XXXX XXXX XXXX and my property ( XXXX XXXX XXXX ; XXXX # XXXX ) has been out of my possession since XXXX XXXX due to a drunk driver hitting me from behind. I have injuries from this accident and was in therapy before my departure to XXXX, XXXX for a family death and to legalize my marriage XX/XX/XXXX. Since I was out of the country to pick up my repaired property COAF took matters on their behalf. ( I have attached vehicle repairs, therapy receipts, arrival & departure tickets, & marriage license ) XX/XX/XXXX According to Capital One Auto Finance ( COAF ) my vehicle was repossessed because I failed to redeem my options to receive my vehicle back or make such payment. I have exercised every right that I had pursuant to 15 United States Code ( U.S.C. ) 1635 ( b ) once I had returned to the United States, but COAF still took the initiative to sell my property without my written consent ( as COAF calls it an INVOLUNTARY REPOSSESSION ). 

XX/XX/XXXX - XX/XX/XXXX I sent a certified mail of a Limited Power of Attorney/Lien Certification to execute all documents. The pay-off balance {$530.00} that was due after the date of sale XX/XX/XXXX has now been issued as a Gap Cancellation Refund but I only received a check of {$190.00} for a Overpayment Refund on XX/XX/XXXX After response to my complaint through the Attorney General of Pennsylvania, COAF denied all allegations and preceded to attach records of transactions of payment history to justify the proceeds of the sale on XX/XX/XXXX. 

According to this XXXX XXXX Report there are transaction types consisting of codes and field translations. There are also definitions listed to help clarify the meaning of each transaction. 

Principal : The portion of the transaction that was applied to the principal. 

Total : The total amount of the transaction There is NO TransCode Action/Field translation available for : XXXX Tr.Code - XXXX, No Action/Field XXXX Tr.Code - XXXX, Action/Field - XXXX XXXX Tr.Code - XXXX, Action/Field - XXXX XXXX Tr.Code - XXXX, Action/Field - XXXX XXXX Tr.Code - XXXX, Action/Field - XXXX XXXX Tr.Code - XXXX, Action/Field - R COAF has committed fraud through false and misleading transactions throughout this contract according to title 15 U.S.C. 1692 ( e ). All of the miscellaneous transactions have no further explanations.The Total amount of the transaction has always been {$0.00} since the first day of the transaction up until the sale and further, unless I made a secured payment of {$370.00}. That is the only TOTAL amount listed, meaning this account has already been paid in full since the first day of the transaction history according to title 15 U.S.C. 1667 ( 5 ).