davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-08
Product: Credit card — 
Issue: Transaction issue — 
Company: TD BANK US HOLDING COMPANY (CA)

I have a credit card with td bank. Since XXXX of this year I have tried to set it up so I can have my payment come out automatically each month. Each month it has not come out at all and then I get a late fee. I have contacted the company several times and each time I 'm told try again, its not our fault. Try again try again. They say they will reverse the late fees and do not. I have tried doing it through my bank on bill pay and same thing, the money does n't make it to them or come out of my account. I have tried making it over the phone through their automated system and still nothing. I do n't know what else to do. I refuse to pay late payments when I am trying to make my payment and its not working and they refuse to do anything.
Consumer complaint received 2023-02-17
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: EQUIFAX, INC. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Minto Financial dba Minto Money (AZ)

I applied for a loan online which was sent to multiple lenders. Upon opening my email there was a approval from MintoMoney. I open the email it brought me to the award page it has me click three boxes and then all the sudden I was signing documents for a loan that I did not even see the APR for. It turns out it's 797 %. I don't have bad credit by the way, actually I have a lot of accounts in good standing. But anyways they want to withdrawal over {$340.00} bi-weekly from my checking account. That's about {$700.00} a month. I can not afford this obviously. And I only took out the loan a week ago. Am I supposed to pay back the loan with the money they gave me? because I haven't had time to even come up with {$340.00} for the repayment. I revoked ACH authorization for my bank account and will send them payments when I can. They confirmed via email that it has processed and is canceled. Today I got a notice from MintoMoney of insufficient funds, my bank denied their debit. They will be charging me and non-sufficient funds fee and a late fee. I received a message from MintoMoney to give them a call to discuss my situation because I had already expressed to them my issue. I called back, the agent said that my ACH has been revoked and the issue has been taken care of. I told her that I don't think that is why they left me the message. She advised it has been taken care of. That was the end of the conversation I haven't heard back from them except for the email today; trying to debit my checking account even though I revoked their permission to do so.
Consumer complaint received 2023-02-17
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. (TX)

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are XXXX liens showing up with XXXX which only list XXXX Release of tax lien XXXX {$23000.00} and TransUnion XXXX same {$23000.00} different doc numbers and TransUnion also list XXXX $ XXXXThese were a mistake that have been resolved, I even went to the court house. I explained that numerous times, XXXX removed all. What do I need to do so these XXXX agencies comply with the law. These were filed in error no tax liens existed on my business.
Consumer complaint received 2015-09-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (MN)

Navient is not contacting my work and disrupting me during business hours, after I have asked for all communication to be via mail. I have offered several settlement options and yet they continue to call. I do not want to be disrupted at work and they are causing a back up on the phone lines.
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (KS)

They failed to address their No Fee Policies concerning their Fraud Prevention efforts. They failed to address the discrimination against my XXXX XXXXXXXX. They failed to address the invisible rounding down pennies of available credit below {$.00}. They failed to address the mockery and XXXX XXXX against my XXXX name XXXX. They failed to honor the cease and desist by continuing to attempt to collect the debt by offering a 60 % settlement offer. They failed to build the bridge between their departments and their Senior Leadership Team and Board including the CEO. They failed to build the direct and immediate bridge between their Advocacy departments, executive office/case specialists and their Senior Leadership Team and board including the CEO. They failed at addressing ALL of my concerns, delays and confusion caused by their behavior. They say they do business by the law. But then they wouldnt have had so many telebankers committing fraud by stealing social security numbers to increase their commissions ever since 2014. They failed to address that de facto structure of their business. They failed to address the maybe monitored bot prompts. They failed to address their dated glitchy computer phone answering bot who sends calls to random departments even when confirming I have asked to talk with the Fraud dept. They have failed to address the fact i had to be told by the fraud dept to ask the executive office to ask the credit services dept for the audit to fulfill the no fee policy. Instead of having a secure internal chain of communication to that effect. They failed to address anything of my concerns with this account. They failed everything. Total failure. They failed to address the fact Ive asked for the one and only person allowed to contact me to be their Chief Auditor since this entire fiasco is centered around the need and lack of an audit to assure and assist the fraud dept in fulfilling the no Fee policies and their instruction to me to stop making payments so as to keep the audit math as simple as possible for them for them to math the fees out and make sure all of the fraud is mathed out before reflecting an actual true debt amount. They failed to address the 60 % settlement offer being fraudulent bc the fees and possible fraud pennies might be mixed in with that math. MATH. THEY FAILED MATH. THEY FAILED THE FRAUD DEPT. THEY FAILED THE TEAM. THEY TOTALLY KEEP FAILING AT BANKING AND CLIENT SERVICES. TOTAL % 100 FAILURE.
Consumer complaint received 2023-02-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: TRUIST FINANCIAL CORPORATION (UT)

Long ago, when I lived in XXXX, XXXX, I opened a Roth IRA CD at Suntrust Bank. That bank is Truist. I received a letter in the mail saying that my CD has matured and to contact them to roll it over. Ive called my local branch and Truist customer service explaining to them that I want the CD rolled over into a CD that pays a higher interest rate than 0.01 %. Everyone tells me they can do nothing for me unless I physically go to my bank branch. I now live in XXXX, XXXX miles away from my branch. Ive tried and tried to get someone to help me, but no one can. They say I must fly XXXX miles to get a problem corrected for a CD worth {$3400.00}. I may never be back to XXXX, XXXX, so I can never have access to my money.
Consumer complaint received 2015-10-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I spoke with XXXX XXXX form Bank America on XX/XX/2015 at XXXX XXXX. I informed her I was being represented by an attorney, and she needed to speak with my attorney. She continued to assert information when I again directed her to speak with my counsel. She asked me if I received a letter from the Bank, and I told her no letter was received to date on this account. It has been over 5 Working Days. I am requested harassing phone call stop since I am being represented by an Attorney and all communication be in writing to verify accuracy of information received or communication with counsel. The Attorney of Record is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXXTel : XXXXFax : XXXX
Consumer complaint received 2015-10-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (TX)

I pulled my credit report In XXXX 2015, and it showed a collection agency " Common wealth financial system/ NE Credit collection '' reported to XXXX and XXXX an account in the amount of {$750.00}. I disputed this account with XXXX on XXXX XXXX, 2015 advising the account was not mine and on XXXX XXXX, 2015 the investigation was completed, advising proof of the debt was provided. I mailed a dispute directly to the entity on XXXX XXXX, 2015, advising the derogatory report be removed, and to provide validity of the debt/ account if the derogatory reporting is not removed. This dispute was received by the entity on XXXX XXXX, 2015 and as of today XXXX XXXX, 2015 the derogatory report is still on my credit and I am yet to receive a response from them validating the account.
Consumer complaint received 2023-02-17
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. (FL)

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


Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act, 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 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ERC (MI)

These items need to be removed from XXXX, XXXX, and XXXX these aren't my accounts and were told they were going to be removed and I will seek pressing charges XXXX 1.ERC account number XXXX date opened XXXX XXXX original balance {$390.00} 2. Inquiries XXXX XXXX inquiry date XXXX not my inquiry XXXX XXXX Inquiry XXXX not my inquiry XXXX XXXX  inquiry date XXXX not my inquiry XXXX inquiry date XXXX not my inquiry XXXX XXXX inquiry date XXXX not my inqiury 3. XXXX XXXX XXXXXXXX XXXX accounts have been paid 4. XXXX XXXX XXXXXXXX account number XXXX not my account 5. Late payments from XXXX XXXX account number XXXX XXXX 1. Inquiries XXXX XXXX XXXX Inquiry date XXXX not my inquiry XXXX XXXX XXXX XXXX inquiry date XXXX not my inquiry 2. XXXX XXXX XXXX Account number XXXX not my account 3. XXXX XXXX XXXXXXXX XXXX accounts have been paid 4. late payments from XXXX XXXX account number XXXX XXXX 1. XXXX XXXX XXXX account number XXXX not my account 2. XXXX XXXX  XXXX XXXX accounts have been paid 3. late payments from XXXX XXXX account number XXXX
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I am filing this complaint to address outdated and inaccurate accounts that are still being reported on my credit report by TransUnion, XXXX, and XXXX. Specifically, two accounts from the Department of EducationXXXX XXXX XXXX XXXX with balances of {$1700.00} and {$520.00} ) are still appearing on my report, even though they are beyond the seven-year reporting limit established under the Fair Credit Reporting Act ( FCRA ). 

I have previously disputed these accounts with the credit bureaus, but they have failed to remove them, despite their obligations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). According to FCRA Section 605 ( a ), negative information should not be reported beyond seven years, yet these accounts continue to appear, causing potential harm to my credit profile. 

Desired Resolution : I request that the CFPB ensure that TransUnion, XXXX, and XXXX remove these outdated accounts from my credit report immediately, as they are beyond the allowable reporting period under federal law. Additionally, I request written confirmation that these accounts have been deleted.
Consumer complaint received 2023-02-17
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XXXX i sent a dispute to the alleged Debt collector Portfolio recovery and credit reporting agency XXXX about inaccurate credit reporting. I requested debt validation on the alleged collections account affecting my credit report, I requested VALIDATION of debt, The sent an itemization of charges which is break down of the alleged charges which by law is NOT considered validation of debt. I requested the initial original agreement from alleged company and or original wet proof of my signature which they did NOT provide. They sent an update on the XXXX online portal that the they Verified as of todays date XXXX this alleged debt. They did not send the proof and this is not VALID.Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

This is my third request to the credit bureaus ( TransUnion, XXXX, and XXXX ) to remove incorrect and unverified information from my credit report. Despite multiple disputes, they have failed to correct these inaccuracies, which is negatively impacting my creditworthiness and exposing me to potential fraud. 

Specifically : My report shows incorrect personal information, including an incorrect name ( XXXX XXXX instead of XXXX XXXX ), an old address, incorrect phone numbers, and inaccurate employment information. 
It lists multiple phone numbers that do not belong to me and a former employer that I am not currently associated with. 
Due to data breaches, I am also concerned about my date of birth and the last four digits of my Social Security number being exposed on my report, and I have requested their removal. 
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to report accurate and verifiable information. They are also obligated to correct inaccuracies promptly upon dispute. This failure to act has caused me distress and put my personal information at risk. I request the CFPBs assistance to ensure these credit bureaus comply with the FCRA and remove all incorrect information from my report. 

Desired Resolution : I would like the CFPB to ensure that TransUnion, XXXX, and XXXX immediately investigate these inaccuracies, correct or remove the erroneous information, and confirm in writing that my credit report now reflects only accurate and verifiable data.
Consumer complaint received 2023-02-17
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: Mcburberod Financial, Inc. d/b/a SeedFi (OH)

TO WHOM IT MAY CONCERN : I recently received a copy of my ( XXXX ) credit report, and I noticed some late payments posted on my credit report. 

Seedfi/XXXX  XXXX XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681 b permissible purpose of Consumer Reports, the law clearly states : ( A ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written Instructions to furnish this on my credit report?

Furthermore, the Fair Credit Reporting Act 15 USC 1681a ( 2 ) ( a ) ( i ) paragraph states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above reference account and send out a free copy of my credit report after the changes have been made will result in legal action being taken against your company for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent enablement of Identity Fraud 3. Fair Debt Collection Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616 Civil Liability for willful noncompliance ( 15 USC 1681n ) Sincerely, XXXX XXXX XXXX