davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-26
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. (DE)

XXXX XXXX Balance : {$7200.00} This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY
Consumer complaint received 2021-11-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meade & Associates, Inc. (TX)

I called the company, Meade & Associates to let them know that I am not the " XXXX XXXX ' who incurred a debt of {$200.00}. with XXXX XXXX XXXX XXXX in XXXX, Michigan. Indeed, I have never been to XXXX, Michigan in all my life. However, for some strange reason, the XXXX agent to whom I was speaking did not seem to care even when I informed her that I have been in XXXX, Texas during the time the person with a similar name was receiving medical care in XXXX. The agent eventually hang up the phone on me.
Consumer complaint received 2021-11-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY (VA)

I, XXXX XXXX, am submitting this complaint for myself without the use of any third party. This is a response to complaint XXXX. My complaint is that " Wells Fargo '' has grossly neglected their civil duty to I, the consumer, by not providing proper disclosures and refusing to verify an alleged debt they are collecting on pursuant to federal law 15 usc 1692g. " Wells Fargo '' has sold my non-public information without any disclosures, and have also seized my property. I have evidence of all of these damages which can be found in my exhibits. I have also made all of these claims under an affidavit of truth, under penalty of perjury. " A complaint alleging negligence must contain the following elements : ( 1 ) That the defendant was under a duty to protect the plaintiff from injury, ( 2 ) that the defendant breach that duty, ( 3 ) that the plaintiff suffered actual injury or loss, and ( 4 ) that the loss or injury proximately resulted from the defendant 's breach of the duty, '' [ XXXX XXXX XXXX XXXX XXXX, 898 F. Supp. 2d 912, 918 n.4 ( D. Md. 2012 ) ( quoting XXXX v. XXXX XXXX XXXX, 916 A.2d 257, 270-71 ( Md. 2007 ). " Wells Fargo '' owes me a duty because " banks owe a duty of 'ordinary care ' in all banking transactions wherein a bank wrongfully disburses funds. '' Opp'n 2, ECF No. 16-2 ( citing Md. Code Ann., Com. Law 3-103 ). I have, and presented, evidence that " Wells Fargo '' has breached such duty by the reckless use of my private information and violations of FDCPA, TILA, and FCRA. I have evidence that I have suffered a loss of my property, an injury of my reputation, character, and equity. I have, and presented evidence that all of these damages are arising from the fraudulent behavior from " Wells Fargo ''. I also now have proof, which can be found from " Wells Fargo '' last correspondence from XX/XX/XXXX2021, that " Wells Fargo '' is intentionally, grossly neglecting my complaint in the face of legal evidence which can be found in all of my exhibits, when they state " You expressed concerns regarding the validity of your loan. Since no new information was received, our position remains unchanged. '' It is a fact, that " Wells Fargo '' has received new information, and have yet to properly respond to the first. " Wells Fargo '' has been addressed in the form of an affidavit ; any response not in such form may result in a default judgement. I am willing to settle this dispute. Nonetheless, any more false information from " Wells Fargo '' will lead to me to pursue litigation against " Wells Fargo '' in the proper federal court for multiple violations of my federally protected rights in the face of evidence.
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: EQUIFAX, INC. (FL)

I ordered a copy of my report in XXXX dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax and XXXX have not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX and XXXX XXXX  XXXX. I believe it was reporting in error.
Consumer complaint received 2022-01-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

XXXX/Cardinal paid the wrong insurance company my escrow. They have not paid my correct insurance company. Now my insurance company is threatening to cancel my policy due to non-payment, even though I had money in escrow to pay my bill. I have since put a SECOND payment into Escrow while I wait to be reimbursed by the company that was paid in error by XXXXl/Cardinal and they are letting my policy be cancelled by not paying the bill. I asked to no longer have my insurance escrowed to prevent this from happening again and they are saying no.
Consumer complaint received 2021-11-26
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: BARCLAYS BANK DELAWARE (CA)

I received a promotional offer encouraging me to shift spending to my XXXX XXXX XXXX  from Barclay 's. Terms of the offer were : ================================================================== Use your XXXX XXXX XXXX to earn an additional XXXX XXXX in XXXX XXXX for every {$1.00} spent on grocery store, drug store and restaurant purchases, up to {$100.00} in XXXX Cash each month from XX/XX/2021 to XX/XX/2021. 

This offer is valid for select cardmembers and is not transferable. If your account is closed or you switch to another product during the promotional period, you may no longer be eligible for this promotion. If you receive this offer and enroll by XX/XX/2021, you will earn an additional XXXX XXXX in XXXX XXXX for every {$1.00} spent on grocery store, drug store and restaurant purchases, less credits, returns and adjustments ( " Net Purchases '' ) with transaction dates between XX/XX/2021 and XX/XX/2021 up to {$100.00} in XXXX XXXX each month of the promotion. Purchases in the specified reward categories must be submitted by merchants using the corresponding XXXX XXXX XXXX ( " MCCs '' ) in order to earn additional XXXX XXXX. MCCs are categories used by merchants based on the goods and services they sell. Barclays uses the MCCs when creating the reward categories, however, we have no control over how merchants choose to be categorized, and as a result, some purchases may not fall into the expected category and will not qualify to earn additional XXXX XXXX. Additional XXXX XXXX may not be earned if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet to pay for the purchase. Additionally, purchases made through third parties, including online marketplaces and resellers, or using a third-party payment account, will not earn additional XXXX XXXX. Failure to maintain your creditworthiness during the offer period may result in actions on your account, such as a credit line decrease, that would reduce your ability to take advantage of this offer. To receive the additional XXXX XXXX in XXXX XXXX, your account must be open and in good standing at the time of fulfillment. All additional XXXX XXXX earned will appear on your statement XXXX weeks after the end of the promotion. 

================================================================== I received an email from Barclay 's confirming my enrollment in this promotional offer on XX/XX/2021 ( though I believe that I enrolled on XX/XX/2021 ). 

To take advantage of this offer, I shifted my spending habits from other rewards credit card to my Uber Credit Card. I believe that I spent at or above the maximum eligible purchase amount. 

I have not received any credit for XXXX XXXX on my credit card, as promised by the promotional offer. 

I have opened XXXX customer service complaints directly with Barclay 's, both of which have been closed without resolution.
Consumer complaint received 2023-03-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX RE : Violations of Federally protected consumer rights In accordance with the Fair Credit Reporting Act. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX. Name : XXXX XXXXXXXX Account : XXXX  Date Opened : Balance : {$0.00} INCORRECT DATA REPORTED ON CREDIT REPORT. 
XXXX. NAME : XXXX XXXX  BANK OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX INCORRECT DATA REPORTED ON CREDIT REPORT 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.

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 7 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.

I WILL BE SUBMITTING A COMPLAINT TO : Consumer Financial Protection Bureau and Federal Trade Commission due to failure to comply with Protected Acts : 15 U.S.C. 1681s-2 ( A ) ( 1 ) PLEASE DELETE THESE ACCOUNTS AS SOON AS POSSIBLE
Consumer complaint received 2021-11-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (IL)

On XX/XX/2021, while using my XXXX computer I received an Popup firewall alert notification from XXXX that locked my computer with instructions to call XXXX Tech Support @ XXXX. I called the number and spoke with tech support representative XXXX XXXX who created a XXXX # - XXXX. I was informed that this ticket will be forwarded to TCF Bank Fraud Department. 

XXXX minutes later I received a call from XXXX ( TCF ) The person introduced himself as TCF Fraud Department ( XXXX XXXX ). I was told that there were two wire transfers against my savings account. I was sent a document with information on it and was told to take to bank so the wire transfer can be captured by TCF and then place back into a new TCF savings account for me. 

I followed instructions on the two wire transfers and received call back from this person on XX/XX/XXXX saying that TCF was able to recover my money and that they will send through postal mail the new savings account information where the money was returned. 

I waited a few days to receive postal mail from TCF and since I have not received anything, I drove the the TCF Bank location to speak with a manager to check on the status of receiving information on new savings account numbers.

The manager informed me that TCF had not contacted me about my savings account, so I informed the manager what I have experienced on everything that has happened. The manager said they will start an investigation on what happened to my account. I had been mislead by false pretense of someone falsely representing TCF bank.

TCF merged with Huntington Bank, and there has not been any resolution or recovery of my savings. 

This is why I'm filing a complaint.
Consumer complaint received 2021-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MN)

I have tried contacting the company to advise them that this is not my debt but I cant get anyone to respond to me. This account came up last year and I disputed this account with another collection agency and it was found to be inaccurate, but now this new agency is trying to collect on this same debt that was proven to be inaccurate. This is not my account and Ive never had XXXX. I dont understand why this is still happening without any notice to me.
Consumer complaint received 2021-11-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

{ Creditor/Collection Agency } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights XXXX I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2021-11-26
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: Experian Information Solutions Inc. (GA)

I have filed a complaint with experian on XXXX for not updating with credit bureaus. XXXX updated account for a while than stopped. As of now the account has not been reported since XXXX of XXXX I spoke with someone about trying to get this corrected and they refused to update my xredit report, unless I am in tbe process of completing a purchase only.
Consumer complaint received 2021-11-26
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

It appears that information on my report is being reported inaccurately. I have 19 accounts on my report in good standing and all over a year old. I paid off my car loan with XXXX XXXX XXXX, and it is no longer being reported on my report, yet there are nine paid accounts shown as potentially negative. It appears there is one collection account that I have disputed. I certainly do not understand the credit scoring process as it relates to my credit report. It seems that I am not receiving the correct scoring that should be a much higher score. I have been in good standing for over three years or more, and my score is fair. I don't have a lot of inquiries. I explain to the agency the information that I have can verify something on my report is inaccurate, and they still don't update the information correctly. Yet, they take the word of the creditor. It appears to me that there is a slight bias going on here. I do not like to call the race card, but I am concerned when I look at my report and have never been late, and I prove it, and it still isn't removed. Enough is enough. I am demanding that this matter be resolved immediately.
Consumer complaint received 2021-11-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2021 I sent CAPITAL ONE AUTO FINANCE a US Postal Money Order with a CERTIFIED MAIL # ( XXXX ) constituting and satisfying all claims of that instrument, without recourse. ( attached to this complaint ) I understand that the note I sent, is a Secured Transferrable Negotiable Instrument meeting all requirements of U.C.C. - Article 3, as a Money Order. The Negotiable Instrument I presented to Capital One is under the authority of House Joint Resolution 192, Public Law 73-10, UCC 3-104 ( c ). 

Capital One Auto Finance received my Postal Money Order on XX/XX/2021 ( attached to this complaint ) Capital One Auto Finance ACCEPTED FOR VALUE and CASHED the Postal Money Order I presented to them by XX/XX/2021. ( attached to this complaint ) To my understanding, I have the right to ENFORCE this instrument according to UCC 3-301 [ PERSON ENTITLED TO ENFORCE INSTRUMENT ] I, in good faith tendered the instrument as full satisfaction. UCC 3-311 [ ACCORD AND SATISFACTION BY USE OF INSTRUMENT ] Capital One Auto has been in dishonor ever since. I have sent multiple affidavits to the CEO/CFO for acknowledgment of my Tendered Payment, and they have failed to respond and correct the issue at hand. They did not rebuttal any affidavit point for point. I sent them a CEASE AND DESIST affidavit on XX/XX/2021 to stop communication, collecting debts, furnishing any information to my consumer file. They've sent me mail anyway. 

I included this in the affidavits : Notice, it is a Fact, that, I, agent for principal XXXX XXXX and affiant, am disputing this alleged debt, invoking my specified remedy as original creditor pursuant to 15 U.S.Code 1692c ( c ) ( 2 ) and pursuant to 15 U.S.Code 1692c ( c ) I demand you to cease any communications and collection activity of this alleged debt until you can provide me with the requested information in this affidavit herein. 

Notice, it is a Fact, that, I, agent for principal XXXX XXXX and affiant, am disputing this alleged debt, invoking my specified remedy as original creditor pursuant to 15 U.S.Code 1692c ( c ) ( 2 ) I demand deletion from all consumer reports, clear out payment history, grant me my title lien free, do not close my accounts without authorized permission, do not seize or attempt to seize anything in my possession, remove all remarks or comments from my consumer report, zero out the balance on this account, cease and rescind us of my intellectual property, my signature. 

Capital One Auto has failed to honor any of my demands. 

I am now seeking remedy and help from the CFPB.
Consumer complaint received 2023-03-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Hi I'm XXXX XXXX, I'm filing a compliant against credit bureau Experian, because I have submitted numerous of dispute letters over a year regarding companies : XXXX XXXX, XXXX, and XXXX XXXX # XXXX thats still showing on my Experian credit report. I have a list of problems with Experian, after requesting more information from me to further the investigating after still allowing the accounts to remain from the previous investigation, I sent in the additional requested information within the timeframe of Experian, Experian still continues to ignore my dispute information and with incorrect feedback results that is not regarding the dispute information or requesting the same information again I already sent to them. Experian Is leaving unknown addresses that is currently on my credit report I'm unaware of and never lived at nor authorized the addresses to be on my credit report, I sent dispute letters regarding the addresses Experian results was " the address was deleted '' after I disputed three addresses and after receiving the results I check my report online at Experian.com and all three addresses still remained on my credit report including the address that was stated deleted. Their investigation did not help my disputes resulting with inaccurate results to not remove the items.
Consumer complaint received 2022-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I paid off my residential mortgage serviced by Suntrust/Truist XX/XX/XXXX. Prior to closing, I noticed the payoff amount did not include credit for the escrow balance of {$720.00}. I contacted Suntrust prior to the closing on XX/XX/XXXX and they stated a check would be mailed after payoff. 

On XX/XX/XXXX, I called Suntrust and was told the check could take 10 to 15 business days for me to receive. 

On XX/XX/XXXX I spoke to XXXX and was told they mailed the check on XX/XX/XXXX. I told him still had not received my escrow refund. XXXX stated he would send another check. I told him I prefer a wire or direct transfer as Suntrust has demonstrated an inability to properly send checks. XXXX said it was not possible to wire funds. I told him I require a tracking number for the check being mailed and he said to call back on XX/XX/XXXX for tracking number. 

On XX/XX/XXXX I called and spoke to XXXX and requested a tracking number. He said a tracking number was not available and will initiate an internal complaint. I requested a wire transfer again. 

On XX/XX/XXXX I called XXXX and he stated check requested by XXXX on XX/XX/XXXX was not sent and checks requested through escrow department take 7 days to process. Suntrust Internal compliant number XXXX was provided to me. XXXX said I would get a call back from the Client Resolution Department within 24 hours. I told XXXX they were in violation of CFPB XXXX. 

On XX/XX/XXXX XXXX XXXX called and said they will research and do wire transfer by next week. I told XXXX XXXX they were in violation of CFPB XXXX. 

On XX/XX/XXXX, I called and spoke to XXXX. He said they are working on it and I would receive a call today. XXXX XXXX called and said they scheduled a wire transfer XXXXand that he will call back tomorrow. 

On XX/XX/XXXX, Still no wire transfer. I called and spoke to XXXX and he said XXXX XXXX was gone for the day. He said he spoke to XXXX in XXXX XXXX Department and she will follow-up and call today before XXXX. 

On XX/XX/XXXX XXXX called back. She said a " Stop '' was placed on XX/XX/XXXX on a check and they will wire funds to my account by XX/XX/XXXX. I told XXXX they are in violation of CFPB XXXX. 

On XX/XX/XXXX, XXXX am., I called XXXX XXXX XXXX Still no wire transfer. He said he will call back today. I told him I needed a reference # for wire transfer. 

On XX/XX/XXXX, XXXX am., No call yet from XXXX XXXX and no wire transfer. I called XXXX. She  said people not in today. She said she is moving it to other people and will call back before noon. 

On XX/XX/XXXX XXXX XXXX called back and said she  is still working on it. 

On XX/XX/XXXX XXXX wire transfer finally appears in my account. 

Please review the Suntrust/Truist mortgage servicing department for additional similar violations. Please also pursue Suntrust, Truist, for maximum civil money penalties, sanctions and other enforcement action for these violations.