davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 credit bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/2020, WF CRD SVC add a hard inquiriy on my credit report perXX/XX/XXXX andXX/XX/XXXX 
On XX/XX/2020, WF CRD SVC add a hard inquiriy on my credit report per XX/XX/XXXX 
On XX/XX/2020, XX/XX/XXXXXXXX add a hard inquiry on my credit report per XX/XX/XXXX
Consumer complaint received 2022-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Attached is the XXXX XXXX XXXX XX/XX/XXXX XXXX and XXXX XXXX requested authorizations ; verified by additionally attached CFPB XXXX XXXX XXXX SUMMARY Complaints and Responses. The XX/XX/XXXX attachment authorizes the XXXX XXXX XXXX. The XXXX XXXX XXXX is required by law to contact XXXX XXXX by emailing XXXX the following : 1. Date, time and address of the alleged debt transaction ( s ) 2. Copy of written ( contractual ) authorization of the debt transaction ( s ) 3. All billing ( s ) to health insurer XXXX 4. All XXXX payment denial ( s ) of all billings 5. Copies of all prior billings, disclosing date and method of billing ( s ) delivery to XXXX XXXX and XXXX XXXX 6. All medical records related to these transaction ( s ) 7. Name and address of all prior collectors that have been used to attempt in collecting the alleged debt ( s ). 

XXXX XXXX has never been emailed, XXXX as XX/XX/XXXX authorized. 

In response to the XX/XX/XXXX authorization XXXX XXXX XXXX in haste harmed XXXX XXXX by intentionally decreasing attached ( XX/XX/XXXX XXXX credit score ) credit score XXXX ; knowingly increasing borrowing cost. XXXX XXXX XXXX is expected to immediately confirm to CFPB and by emailing XXXX that it has notified TRANSUNION of the inaccurately of its adverse information ( attached : TRANSUNION XX/XX/XXXX credit report XXXX XXXX XXXX XXXX ). 

XXXX XXXX XXXX is requested to email XXXX if XXXX and XXXX have been advised of fact in the attached TRANSUNION XX/XX/XXXX credit report XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX is requested to XXXX email communicate if it has made no adverse/negative XXXX XXXX XXXX XXXX XXXX and/or XXXX. 

XXXX XXXX XXXX is requested to XXXX email communicate if it has made any adverse/negative XXXX XXXX XXXX XXXX TransUnion, XXXX and/or XXXX.
Consumer complaint received 2019-05-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

In XX/XX/2019, my wife, daughter, and I each received letters via U.S. mail from USAA Federal Savings Bank in XXXX XXXX, Texas, that the bank had chosen to " exercise its right to no longer do banking business with '' us. The letter further stated that " certain obligations were not met '' without elaborating on the nature of the supposedly unmet obligations. 

Within the following month, the bank did indeed close all of our checking, savings, and credit card accounts. According to FCRA, ECOA, and similar regulations, financial institutions must provide rationale for adverse actions taken against customers. Our numerous phone calls to the bank, and even a letter we penned to the president of USAA, went unheeded with responses of " There's nothing we can tell you. '' To make matters worse, we are still insurance customers of USAA " in good standing '' ; however, when the bank terminated our banking relationships, the bank also disabled our access to the USAA.com website -- including online access to our insurance documentation. Our requests for the bank to reinstate our access to the website ( so we can print automobile insurance ID cards, make insurance payments, and the like ) have been ignored. 

Other USAA insurance customers in good standing have access to the USAA.com website. The fact that USAA refuses to reinstate our website access is unfair and unequal treatment, based solely on their unrelated refusal to continue a banking relationship with us. 

To summarize, USAA must provide specific reasons for their adverse actions against our checking, savings, and credit card accounts, and must reinstate our access to their website for our continuing insurance relationship.
Consumer complaint received 2022-03-27
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Act XXXX Accounts, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX {$2100.00}, XXXX XXXXXXXX XXXX  acct # XXXX {$540.00}, XXXX XXXX XXXX acct # XXXX {$580.00}, XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXXdischarged acct # XXXX, XXXX XXXX XXXX  IL XXXX Bankruptcy XXXX XXXXdismissed acct # XXXX, XXXX XXXX XXXX  XXXX XXXX acct XXXX XXXX {$7900.00} XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX {$220.00} XXXX5 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 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Climb Credit Inc. (CO)

I have reached out to both Climb Credit and XXXX  and have spoken on the phone with agents from each company more than XXXX separate times. I have made on time payments for the months of XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. Climb Credit continues to report failed or missed payments for XXXX, XXXX and XX/XX/2022. XXXX is now reflecting as on time but I still need XXXX, XXXX and XXXX updated. The agents I have spoken with in the past have told me to wait until the new month and all would be reported correctly but I have now waited 2 months with no resolution. I reached out to Climb Credit via their website chat and was told to open a dispute with XXXX, I created a dispute with XXXX twice and the payments are still reflecting as late for XXXX and XX/XX/2022. I am looking to buy a home soon and need this resolved as soon as possible.
Consumer complaint received 2021-08-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

On XX/XX/XXXX, XXXXI received the first initiation of debt from the XXXX XXXX XXXX XXXX that I owe $ XXXX requested verification on XX/XX/2021, via a certified letter. 
On XX/XX/2021, I received two letters stating that Resurgent Capital Services, LP manages LVNV Funding, LLC on behalf of the XXXX XXXX XXXX XXXX. The other was an account summary report stating that the debt was validated. 

I responded on XX/XX/2021, requesting that Resurgent Capital Services, LP ceases communication with me. Since the debt in question has been legally expired under the Statute of Limitation and they were a direct violation of the FDCPA. 

Resurgent Capital Services, LP continues to harass me for on XX/XX/2021, I received yet another printout summary saying the debt has been violated. I have then again responded and requested that the cease communication since this debt has reached it Statute of Limitation.
Consumer complaint received 2019-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Utah System of Higher Education (CA)

Loan Discharge : The XXXX XXXX ( XXXX XXXX campus ) announced its campus closure and assured me courses would continue through the end of the Fall quarter ( XX/XX/18 XX/XX/18 ). I enrolled for the Fall quarter expecting to have on-campus courses and complete a full semester. During the registration period, I was told that no courses would be offered. I kept looking myself and found some online courses to enroll in. 
Online instructors told me to purchase software ( XXXX XXXX XXXX ) the school was supposed to provide. The school was obliged to provide this, so it wasnt an option to purchase it on my own with no instruction or support. I went looking to all the recommended classrooms and the tutoring center and nobody had the software program. Other XXXX programs were unavailable as well. 
Also, all the teachers and support staff were leaving the campus ( like rats off a sinking ship ). There was nobody to help or give guidance. One staff in the tutoring center/library, one instructor, and one person in administration all advised me to leave XXXX XXXX as everyone was leaving and there was no access to resources. They were trying to help me, but the campus was being deserted. The XXXX XXXX has since closed more branches and gone into receivership. They are now backing out of all assurances made to students, such as transfer grants and reimbursements. 
We received a Loan Discharge Application ( due to campus closure ) from XXXX XXXX XXXX XXXX. That was completed and submitted timely and completely. Cornerstone summarily denied the application because ONE CLASS HAD BEEN ACCEPTED FOR TRANSFER CREDIT to a new major. They cited proof there was no teach-out agreement ( there wasnt ) and that NO credits could be transferred. I strenuously object to the ethical correctness of this decision. I dont see where one course applying to a new major negates the entire loan discharge process. I need your help to get my student loan properly discharged, as I received absolutely no benefit from my time, energy and expense at XXXX XXXX XXXX. I certainly should not remain financially obligated to XXXX XXXX for a tiny piece of education rendered, especially when they are now unable and unwilling to pay their own corporate debts and good faith financial assurances to students.
Consumer complaint received 2020-12-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

In XXXX I applied for the hamp program making home affordable. Webster Bank which is a federal government bank refused to honor the HAMP and offered this to others. 
The bank made me wait 2 years for a modification and didnt start as contracted. 

My interest rate prior to modification was 3 % they increase to 5.5. 
Also charged extra over XXXX for modification. Bank is reporting incorrect balance. I never agreed to pay addition XXXX XXXX The modification increased my interest rate and payments are increasing often. I dont agree to balance owed. The taxes only went up 120 in a year. 
Bank refused to fix or grant error back in XXXX
Consumer complaint received 2022-05-03
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. (MI)

in accordance with the fair credit reporting act XXXX  account # XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has violated my rights. 

15 U.S.C 1681 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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX
Consumer complaint received 2022-11-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC (IL)

I had purchased my vehicle through JB Byrider XXXX XXXX i had my debit card on file with them at all times for my bi-weekly payment. XX/XX/2022 jdbyrider stated my card wasnt authorized but did not contact me to inform me of this. May paycheck was direct deposited so there shouldnt have been an issue. They repoed it on XX/XX/2022 while i was having it serviced. Never contacted me to inform me they repoed it for being a mere XXXX business days late which was their own fault for not processing. Illinois state law states account must be in default for a repo this wasnt even delinquent!! never gave me the option to pay it off either. Illegal repo take off my credit report before i sue!!!
Consumer complaint received 2022-05-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-05-03
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: EQUIFAX, 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 2022-05-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

I made a 24-month no-interest purchase at XXXX XXXX in XXXX XXXX XXXX. The agreement was that all amounts paid in excess of the minimum payment would be applied to this purchase. In the next several months, I had other, shorter no-interest plans which have since been paid off. My payments had been allocated as I requested up until XXXX, XXXX. On my XXXX and XXXX statements, the entire amount paid in excess of the minimum payment was not allocated to my single remaining no-interest purchase. The current months interest on my revolving account was paid before allocating the rest to my no-interest purchase. This is approximately {$70.00} per month for XXXX and XXXX. 

I emailed the XXXX XXXX credit department on XX/XX/XXXX, and received a response stating the general rules of how payments are allocated. My specific issue was not addressed. Today, XX/XX/XXXX, I spoke to two different customer service reps by phone, and they will not address this issue. 

One of them said I could request to override the minimum payment and have my entire amount sent to the no-interest account. The other said this was not possible. I was also told that I had requested only 50 % of the excess payment to go to the no-interest account and that I could only change this online. This is not true. When I had two no-interest accounts, 50 % went to each one, but the websites states clearly that if you only have one N-I account, all excess payment will go to that account.

I was told different things by each person, and none of them addressed the issue. I cant list them all here, and they did not guarantee that my payments would be applied the way they should. They sounded scripted, and one of them read a long legal clause to me. I feel like I am being given the run-around so that I will default on the no-interest agreement. They are not dealing with me fairly or intelligently.

I have attached my last three statements as well as two from XXXX so you can see my payment allocations were not reduced by subtracting revolving account interest.
Consumer complaint received 2023-04-14
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: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX Balance : {$25000.00} Consider this as a follow-up complaint to my previous complaint
Consumer complaint received 2021-02-05
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: CITIBANK, N.A. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX and Macys. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$92.00}. The Account Opened is Macys Account Number : XXXX Date Opened : XX/XX/XXXX Balance : $ XXXXI have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2022-07-14
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. (SC)

There was not a fair and accurate investigation. My rights were violated. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX was not deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.