davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
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: Resurgent Capital Services L.P. (CA)

Credit card that was never in my possession, and was stolen and used for this company. 
Credit card company then sold the debt to another company without my permission, which is a violation of permissible purpose. I would like this account removed from my credit report.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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 XXXX XXXX XXXX XXXX XXXX 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 2023-04-10
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. (MO)

I have had an issue with having a payment credited to my XXXX XXXX credit card account. My credit union changed their bill pay system and my original info for paying the bill was lost. I paid XXXX but mistakenly did not include my account number. The check from my account was cashed but I was never credited the payment. XXXX sent me late notices, I responded with the evidence that the check was cashed and I was not credited. This happened in XXXX 2023. I am attaching the correspondence. I disputed with Transunion and Transunion responded that XXXX was correct. I did have a late payment for XXXX as this dispute was going on and I did not realize that I still owed approximately {$30.00}. I just paid that amount {$30.00} ) through my credit union and am waiting for XXXX to cash that check. XXXX reported me late the original amount that I am disputing ( {$200.00} ) and I think for the months of XXXX 2023.
Consumer complaint received 2021-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: WELLS FARGO & COMPANY (CT)

In XX/XX/2021 I reported fraud on my credit card with Wells Fargo. My card number was reissued and I received a new card in the mail. Shortly after that I received convenience or " super '' checks with a promotional offer of 0 % for either a year or 15 months. I decided to make use of one of those checks by depositing into my account ( not with Wells Fargo ) and wrote a few checks on the money in that account thinking nothing of it. Several days later I receive notice of overdraft and returned item fees relating to the check being counterfeit. I call my bank and explain that there's no way the check can be counterfeit because it's drawn on a credit line from Wells Fargo. They told me I needed to get in contact with Wells Fargo and I did. At my first point of contact I was told that the checks I'd received were attached to the old credit card and therefore unusable but that I shouldn't worry because it looked like the marketing department printed new checks for me and they would be sent shortly. After waiting for close to a month I called Wells Fargo back to let them know I'd never received the checks and to rehash the situation. It occurred to me during that call that when I received the previous checks AFTER receiving a new card that those checks were sent with no utility constituting deceptive advertising and a misleading offer. The reps that I spoke to acknowledged on a recorded line that this was indeed their mistake and that they apologize but have yet to correct this issue offering me only options that force me to open an account with them. This situation has not only had an impact on my time spent trying to get a resolution but also on my finances as I incurred an overdraft and returned item fee. I've asked several times for a manager-level employee to reach out to me, I've reached out via social media, and have been committed that not only were my concerns and time urgency documented but that someone would call me. I've never received one call. The only outreach done was a letter sent to my address telling me the very thing I learned within 15 minutes of my first call and that was that the checks I'd received were attached to the old account number and therefore not usable.
Consumer complaint received 2023-04-10
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: Experian Information Solutions Inc. (NY)

As i look through my consumer profile I see that this company XXXX XXXX XXXX, account # XXXX is reporting a collection on my account. With a balance of {$1400.00}, balance updated XX/XX/. I have never did any business with this company and I have previously filed a CFPB complaint to have this removed off my consumer profile. I have now filed and identity theft report because this is fraud.
Consumer complaint received 2023-04-07
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 according with the Fair Credit Reporting act XXXX  Account # XXXX named XXXX  XXXX, acct # XXXX and XXXX named XXXX XXXX  and XXXX XXXX Account # XXXX also named XXXX # XXXX and Named XXXX XXXX acct # 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 2020-09-09
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Supreme Lending (FL)

There was intentional fraud/misrepresentation on the closing documents committed by Supreme Lending ( rep - XXXX XXXX ) and the closing attorney, XXXX XXXX XXXX XXXX  as they knowingly presented me as a single man on the security deed when they knew I was married in order to get the deal closed therefore there is a breach of contract and it is unenforceable and needs to be canceled. 
I had previously informed the lender on several occasions that I was married and on XX/XX/XXXX I sent an email specifically mentioning my wife to which the lender, XXXX XXXX responded on XX/XX/XXXX that my wife will be on title. However at closing on the security deed I was listed by the lender as single and my wife was not present on the warranty deed. Therefore the contract is null and void as there was intentional fraud/misrepresentation.
Consumer complaint received 2023-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MD)

I faxed my PSLF forms to Mohela on XX/XX/XXXX. They mailed a letter to me 2 months later, stating that my employer had missed 1 box on their form. They informed me to have my employer call them to verify the correct information. My employer will not do this for security reasons. My employer requested a representative from Mohela email them, and they could verify. Mohela informed me they could not contact my employer directly, nor could I email or electronically submit the corrected forms. They informed me I would have to fax or mail the corrected documents ( which would take 60-90 days to process ). They said if I had a Mohela account, I could upload electronically, but because my loan information was not yet verified with them, I could not open a Mohela account. in XXXX, it is incredibly inefficient, frustrating, and time consuming to not have an option to electronically submit documents, especially when processing times are so long. I spent many hours today on the phone trying to get answers, was given misinformation, and more. As a borrower, I am trying to be proactive and manage my student loans, but I am running into red tape and barriers every step of the way. The process towards loan forgiveness has been a substantial burden for me and thousands of others.
Consumer complaint received 2023-09-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

I am the XXXX of the XXXX of XXXX XXXX, who died in XXXX of XXXX. Upon notifying Citi Retirement Plan Services of the death and providing them with a Death Certificate they sent me a package of documents to submit in order to obtain an immediate lump sum distribution of the Individual Retirement Account. 
Upon the Court 's issuance of a Decree appointing me XXXX, I fully submitted the package replete with Govt-issued ID, Copy of Utility Bill, W-9, SS5, Original Letter of Administration XXXX and fully completed Beneficiary Authorization Form. Citi NEVER confirmed receipt of the submission and I was forced to make several phone calls to XXXX to obtain confirmation of full receipt of the XXXX package. On or about XX/XX/XXXX, I again phoned Citi Retirement to ascertain why the proceeds were not paid and was told that a letter had been sent to me on XX/XX/XXXX explaining that Citi had changed the name of the entity handling the XXXX process and that I needed to execute a newer form despite the fact that I had executed the entire package that was initially sent to me by Citi. By letter date XX/XX/XXXX, XXXX now informs me that I need to open a " simplified banking account, '' which makes no sense and has sent me a package of the very same firms that I already returned. 
When I phoned Citi today, I was told that there are now two reference numbers, that no one could help me and I needed to await a call from Retirement Plan Services. I have been told to expect such a call before but it never came. I can't get any explanation of why I would need to open a bank account in my own name at Citi in order to obtain a Lump Sum Distribution of the Traditional IRA, and it's all the more absurd because Citi 's " Beneficiary Authorization Form '' specifically because I filled out a Citibank " IRA and Roth IRA Withdrawal and Tax Withholding Election Form for Beneficiaries '' indicating per Citi 's document that " 6. Method of Payment " Mail check ( s ) to the recipient of funds listed in Section 2 above, '' which is in my name and fully completed as the " Legal Representative of Estate. '' Citi is illegally and wrongfully refusing to liquidate the IRA and send the proceeds as was requested according to all forms and requirements set forth by Citi. The Reference # XXXX appears on all pages of the documents sent to me by Citi and returned by me to Citi. You can't speak to anyone to resolve the issue because the telephone customer service rep has no authority to resolve any complaints and states that the policy is for the XXXX XXXX to call you back, which they never do.
Consumer complaint received 2022-07-18
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. (PA)

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 accounts 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 accounts DP OF EDUC XXXX Balance : {$13000.00} DP OF EDUC XXXX Balance : {$8700.00} DP OF EDUC XXXX Balance : {$10000.00} DP OF EDUC XXXX Balance : {$8300.00} DP OF EDUC XXXX Balance : {$8700.00} DP OF EDUC XXXX Balance : {$8900.00} DP OF EDUC XXXX Balance : {$6000.00} DP OF EDUC XXXX Balance : {$7700.00}
Consumer complaint received 2022-11-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VA)

Applied for XXXX in XX/XX/XXXX. My loan was then transferred from XXXX to XXXX XXXX and then to MOHELA ( since XX/XX/XXXX ). I received a letter from MOHELA that I did not qualify for XXXX in XXXX ( with no reason given ), so I phoned MOHELA and the rep indicated that my form was invalid because my employer name/signature was cut off. I had a copy of the original I sent with signature intact, so they put me through to a manager who said that all forms came that way from XXXX because they were reviewed and were preapproved. Since then I have had to call MOHELA repeatedly because they were not posting my payments. For about 2 months only 12 payments posted. I asked that they request my records- they did, then 120 payments posted in XXXX with XXXX of these ineligible. All payments between XXXX and XX/XX/XXXX were missing/not posted, but the deferment periods from this time frame were posted. My servicer was XXXX XXXX ( now defunct ) from XXXX so I reached out to all of my past loan servicers to get the XXXX records and complained to XXXX. of XXXX that they were missing. I just received these records from XXXX ( who previously insisted they did not have them and did not provide them in a previous mailing ) via postal mail on Monday, XX/XX/XXXX. Today, I took off work to call MOHELA and have now spent 7.5 hours on hold. After a lengthy wait, I speak to the rep ( always in training ) and they hear my request and refer me to a supervisor and I am on hold indefinitely. I am in the second round of this and about to hang up and redial since I have been on hold waiting for a supervisor with no contact from MOHELA for 3.5 hours. I have roughly 160 eligible payments for XXXX and can not seem to get MOHELA to acknowledge and count these payments. I am due a return on the overage of payments and am in a holding pattern until they actually count all of my eligible payments. Thank you.
Consumer complaint received 2022-07-17
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: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account 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.
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2022 I called the customer service number for Wells Fargo bank to close a business checking account and business savings account which I was not using. I asked the representative to close the account and transfer the monies from the accounts to my personal checking and savings accounts respectively. This was on Saturday, and it was not until Monday that I realized that the person did not in fact close my business checking account ( she did close the business savings account ), but actually closed my personal checking account. As of that Monday, the transaction was pending, but there was not a person whom I spoke to that could change the error. My personal checking account subsequently closed, I made numerous complaints to the bank, and no one ever got back to me. 

Since then, I have opened a new checking account. I deposited my paycheck on XX/XX/2022. Usually when I deposited checks, money had been made available right away, but this time I was informed that there was suspicious activity detected and a hold has been placed on the check. On XX/XX/2022, the check had cleared and the funds were available, but on XX/XX/2022, the funds were deducted again, with the reason being, suspected fraudulent activity from the issuing Account. The issuing account is XXXX XXXX, the same bank that I have deposited checks in from Wells Fargo for the past year. 

In this challenging time increasing prices, Wells Fargo has hurt my family. Wells Fargo banks terrible customer service, and ineffectual management of clear errors on their part is both pathetic and cruel.
Consumer complaint received 2023-04-05
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 am a natural person, I a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. and they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax these accounts. 

Accounts : Inquiries : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Mark : XXXX XXXXXXXX XXXX XXXX Balance : {$1200.00} Installment account : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5000.00}
Consumer complaint received 2022-07-18
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. (MS)

I have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX-XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX XX/XX/XXXX
Consumer complaint received 2021-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (MN)

In XXXX and XX/XX/XXXX I purchased several airplane tickets on XXXX XXXX. Due to the pandemic, the flights were cancelled, thus we were unable to use the tickets. XXXX XXXX refunded all three of the transactions to my credit card company, however I have received only 2 out 3 credits in my account. My credit card is refusing to credit my account for the 3rd and final refund, despite numerous calls, emails, and letters, including providing them proof of the refund from XXXX XXXX. 

XXXX XXXX processed the last and final refund of {$1300.00} on XX/XX/XXXX, and confirmed as such in a conversation with me on XX/XX/XXXX. ( I can provide a screenshot of our XXXX conversation ). Since that time, I called my credit card 's hotline several times, speaking for 45-60 minutes at a time to get the funds credited to my account to no avail. I was promised verbally by an agent on a call which took place on XX/XX/XXXX that I would be paid by XX/XX/XXXX. But, yet again, the funds have not been credited to my account. 

Name of merchant : XXXX XXXX Date of the transactions & amount : XX/XX/XXXX - {$620.00} <<< this transaction was refunded and credited to my account XX/XX/XXXX - {$1300.00} XX/XX/XXXX - {$790.00} <<< this transaction was refunded credited to my account
Consumer complaint received 2021-08-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AZ)

I made an online purchase using Venmo that turned out to be a scam. I contact Venmo after exhausting my attempts to contact the seller ( purchased carbon handle bars, mounting stem ) and was told Venmo transactions should only be completed with people you know and trust. They offer no protections and refused to close the scammers account. Through research this person XXXX XXXX XXXX XXXX is actively scamming people and Venmo is aiding these scams by not address their clients feedback. I plan to discontinue my use of this service but don't want others to fall victim to the same scam because Venmo allows fraud/scams to occur on their network. Luckily it was only {$150.00} but could be much worse with not safeguards or consumer protections. I hope their executive enjoy their nice bonus made of of my hard earned dollars that were stolen from me.