davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (AZ)

This is my third complaint on wells fargo. They are not answering my questions through here and keep closing the case. I am going to continue to file complaints until they are held responsible. They " suppressed '' reporting my vehicle payments on my credit until I had to extensively fight for it. And the still have no valid reason to why? Are banks not held accountable for this information any more? I am not taking either of their previous two responses as a answer. They ignored phone calls and written letters of mine. and only responded when I got the CFPB involved and they keep giving XXXX answers that are unexpectable. Why was the reporting withheld?! How can a company purposely harm a consumers credit and not be held responsible and not tell said consumer why? And avoid answering questions? 
NOTE previous two attempts to resolve this matter XXXX XXXX
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION (MI)

Was in year 3 of my XXXX degree in XXXX XXXX. I pulled out loans each year with Sallie Mae. Could not afford to pay for University out of pocket. I applied for year XXXX loans and was denied due to a " high loan balance ''. Now they want {$910.00} a month in repayment. Without a degree I am unable to find work paying high enough to afford {$910.00} a month and any attempt in having the loans put on income based repayment have been met with " we do not offer income based repayment on private student loans ).
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MT)

This is in reference to the Equifax Data Breach in Early 2017 https : //www.consumer.ftc.gov/blog/2017/09/equifax-data-breach-what-do Via their website www.equifaxsecurity2017.com, i was notified that I may have been one of the " 143 million American consumers whose sensitive personal information was exposed ''.
Consumer complaint received 2023-02-08
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. (NY)

I have XXXX student loans listed on my Transunion from XXXX XXXXXXXX XXXX that should have been updated based on my entry and completion of the student loan fresh start program. These student loan accounts have not been updated to reflect that these loans are currently out of default. The payment history for these loans is also incorrect. In addition, XXXXXXXX  XXXX XXXX is no longer operational as a student loan servicer. I tried to reach them directly, but the phone number XXXX is defunct. My compliant is that Transunion could not have conducted an investigation with an organization that is no longer functioning.
Consumer complaint received 2023-02-08
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: WELLS FARGO & COMPANY (OH)

I received several phone calls from a private number, which I do not answer. When the last phone call was made by the unknown caller, I sent the call straight to voicemail. That is when I was able to reveal who was calling. The repeated calls were made by Wells Fargo trying to collect the debt at XXXXXXXX XXXX on XX/XX/2023. They then left a text XXXX to please call XXXX. When I returned the call it was Wells Fargo. On the first initial call, I could not provide the account number which prompted me to have to call back again. I talked to XXXX XXXX ( believed spelling ). I was told multiple attempts was tried to contact me. Which is another case in itself. At this time my rights was violated under the FDCPA. No debt collectors is allowed to call at unusual times. I was harassed by the annoyance of these calls and also being awoken out of my sleep. I would also like to mention that was never contacted by mail with this recent issue nor debt. I would also like to mention, upon further review of paperwork previously sent by Wells Fargo, this account may be fraudulent.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently contacted Transunion to remove the inaccurate spelling of my name and was met with negative results. I have recently been a victim of identity theft. I am distressed about the incorrect information appearing on my report. Credit reporting laws ensure that bureaus report 100 % of accuracy.
Consumer complaint received 2023-02-08
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)

I never contracted with XXXX XXXX XXXX. They should not be reporting on my consumer report. I have been patiently working through the administrative process with the company since XXXX. Having this account on my report is causing me distress and wrecking havoc on my credit consumer reputation. It is making it extremely difficult to apply for new cards and even get to a place where I can move. Applications for apartments are not being accepted due to the alleged late payment and this alleged debt that I do not owe. This is identity theft. It is the duty of the bureaus to be reporting accurate information. I don't understand how you were able to remove the hard inquiries associated with the fraudulent account but not the account itself. 

As soon as this is delivered to the bureaus I demand that the account be removed from my credit report. Please see attached document to view a handwritten letter addressing my concerns, and attachments of my process so far including two identity theft reports against the alleged account.
Consumer complaint received 2017-01-19
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc (CT)

I purchased a vpn box thru a website called XXXX On XX/XX/XXXX and of today I have not yet received my product. Paypal was contacted and claim number XXXX was open in which this was their response : Case ID # XXXX has been closed Dear XXXX XXXX, After further review of the claim you filed against XXXX, we have determined the issue you have described or the merchandise or service associated with this transaction is not covered by PayPal Purchase Protection. As a result, this case has been closed and we 're unable to take any further action. 



Transaction Details Case number : XXXX Seller 's name : XXXX Seller 's email : XXXXXXXXXXXX Seller 's transaction ID : XXXX Transaction date : XX/XX/XXXX Transaction amount : - {$250.00} USD Your transaction ID : XXXX For detailed information on what is covered by PayPal Purchase Protection, you can view the PayPal User Agreement, which you accepted when you created your account. Simply click Legal at the bottom of any PayPal page. 

Please note : Records of all cases are kept in the Resolution Center for your convenience. 

Sincerely, PayPal Copyright ( C ) XX/XX/XXXX-XX/XX/XXXX PayPal. All rights reserved. 

PayPal XXXX I feel Paypal has bypass somehow some banking agreements and has failed to recuperate my money while no goods or services were rended.
Consumer complaint received 2023-02-08
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. (CT)

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late Payments posted on my credit report : XXXX XXXX XXXX # XXXX, Your company is in clear violation of the law. Under 15 USC 1681b 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 account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer Credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not Include- ( A ) Subject to section 1681s-3 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 referenced account, and send out a free copy of My report after the changes have been made will result in legal actions being taken against your company.1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability For willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-02-08
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. (IN)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2023-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

I had signed up for online billing and notifications with my previous mortgage company ( XXXX  XXXX  ) due to my work overseas as a XXXX XXXX XXXXXXXX with the XXXXXXXX XXXX XXXXXXXX XXXX. I've been overseas in various assignments since XXXX, and mailing addresses changed with each assignment, leading to my opting for online communications. XXXX XXXX  apparently sold my mortgage to Truist in XX/XX/XXXX and Truist never notified me of the loan transfer. As a result, my auto-debit payments with XXXX XXXX  stopped stopped without me knowing, and I then missed payments with Truist. I never received communication from Truist. In XX/XX/XXXX, I learned that my credit score had dropped XXXX points due to Truist reporting that I was late on mortgage payments. I immediately ( XX/XX/XXXX ) contacted Truist and found out they were my new mortgage servicer and made a {$7400.00} payment to catch up loan payments and set up auto-debit payments with the new account number I received that day. Subsequently, I requested Truist modify its reporting to credit agencies due to lack of notification of the loan transfer and catching up on payments. Truist refused and sent me a letter notifying me of their refusal. I feel absolutely helpless due to the power that Truist holds over me. I have XXXX other negative marks on my credit history, and this reporting could last for several years, threatening my financial future. Truist has shown no willingness to take the right steps. Thousands of XXXX XXXX XXXX and military personnel working overseas at our Embassies are similarly helpless, particularly as the weak notification attempts ( assuming there were any ) are considered a box checked, without understanding realities of their new mortgage customers, many of whom are their customers not by any choices they made.
Consumer complaint received 2023-02-08
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 accordance to the Fair Reporting Act XXXX Account XXXX, XXXX, XXXX, 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 a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-08
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  XXXX # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX XXXX  XXXX # XXXX, and 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
Consumer complaint received 2023-02-08
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 (FL)

Greeting 's I disputed the listed accounts and have ask the Original Creditors, third party Collection Agency as well as the 3 Major Credit Bureaus to investigate and Verify the information there company is reporting to no avail the incorrect information is still reporting on My Consumer Report, I'm asking tis information to please be removed. this companies are in violation of My Consumer rights.

15 U.S.C 1681 Section 604 A and 15 U.S.C. 1681 Section 602 A.
Consumer complaint received 2023-02-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I am a 30 year plus BOA customer. In late XXXX I opened my own law firm here in Washington, and as part of that process opened an attorney trust account. I recently settled a significant case and as part of that process deposited a large check in my attorney trust account on XX/XX/XXXX. The " hold notice '' indicated all the funds would be available on XXXX. On XXXX I initiated wire transfers to my clients of their settlement proceeds from the trust account, and attempted to deposit a check drawn on the trust account to my other account to reimburse expenses. Although there was no notice provided on the website when I issued the wires, I was told at the branch when I went to deposit the check that there was a " fraud hold '' on my attorney trust account and they could provide no other information. I was given a number to call the " fraud department '' and after holding for a while, spoke with an employee and then her supervisor who also said they could not tell me why there was a fraud hold on my trust account, or when it would be removed. I have followed up on XXXX and XXXX and my attorney trust account is still blocked, and I do not know why, how to resolve the issue, or when the funds will be available. My clients need the funds to pay bills. This is unacceptable, and appears to be a violation of various sections of 12 CFR Sec. 229.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX XX/XX/2023, I was trying to open Bank of america business checking account with {$200.00} cash back bonus. Even when I already have an existing relationship with Bank of america ( credit cards ) -I need to fill up the form all over again. 
After submitting, it gave me the status that they are going to review it. 
Today on XXXX XX/XX/2023, I got a rejection letter? Why it is rejected - no reason provided? Called Bank of America- after multiple transfers - call was dropped.
Consumer complaint received 2016-09-13
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (TN)

Citi Mortgage added {$57000.00} to my original home loan of {$110000.00} which now totals {$170000.00}. 
The home was on the market from XX/XX/XXXX when I XXXX till XX/XX/XXXX when I XXXX. We found out the house did n't sell, came back and lived in the house for a year with nothing showing up on the credit report nor did we get any bills, the credit reported paid as agrees with nothing negative at all. One day Citi Mortgage called and said we had to do a modification to keep the house for {$57000.00}. 
I have wrote letters and have recorded conversations with Citi asking for the information of how I owe this money once I was forced to do the modification or get evicted. I knew something was wrong when my first payments where only {$10.00} for the first 3 months. XXXX now has my loan and has no clue the original loan is only {$110000.00} but they paid CitiMortgage {$170000.00}. 
I have been trying to resolve this situation and with no results. I want to purchase a new home but Citi Mortgage has noted my VA loan as {$170000.00} which should only be {$110000.00} and VA nor XXXX has a clue Citi Mortgage has done this. 
I would love to sue Citi Mortgage for false representation or just flat out fraud.
Consumer complaint received 2023-02-08
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. (NY)

Several attempts have been made to recieve validation of debt from all major credit bureaus and cfpb I have still not recieve vadilation of debt its been well over 90 days no action was taking per consumer law if debt is not validated within a cetain time frame its to be removed.
Consumer complaint received 2023-02-08
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. (NY)

My name is XXXX XXXX, and I am a consumer submitting this complaint on the behalf of myself without the influence of any third party being involved. XXXX is furnishing tradelines on my consumer credit file that is a result of aggravated identity theft 18 usc 1028a. My personal identifying information has been improperly used to furnish negative accounts on my consumer report that violates both together and separately my consumer and privacy rights. FTC report # XXXX and improper accounts being used to furnished negative items on my consumer report without my written consent or authorization by you XXXX XXXX, XXXX, and Equifax did not open this account nor authorize any one to open said accounts on my behalf. You are also reporting inaccurate, erroneous and fraudulent accounts, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or wasn't any transaction made by me without lawful authority, my written consent or authorization. 
Per the FCRA any account resulting from aggravated identity theft is to be blocked within 4 days of receipt of notice as outlined under 15 USC 1681c-2. Please cease the reporting of this tradeline on my consumer credit file. 
Please see attached FTC report number XXXX for reference. See attached docs as it this document counts as my statement, copy of my ID including my current address, the identifying information of the fraudulent inquiries, and a copy of a bill evidencing my address. With respect to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : XXXX ). a copy of an identity theft report ; ( Report # XXXX ) XXXX the identification of such information by the consumer ; and XXXX ). statement by the consumer that the information is not transactions made by the consumer. 

P.S. This written statement classifies as the statement required under the FCRA/FDCPA when reporting fraud. 

Regards XXXX ; XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2023-02-08
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. (NY)

My name is XXXX XXXX, and I am a consumer submitting this complaint on the behalf of myself without the influence of any third party being involved. XXXX is furnishing tradelines on my consumer credit file that is a result of aggravated identity theft 18 usc 1028a. My personal identifying information has been improperly used to furnish negative accounts on my consumer report that violates both together and separately my consumer and privacy rights. FTC report # XXXX and improper accounts being used to furnished negative items on my consumer report without my written consent or authorization by you XXXX XXXX, TransUnion, and XXXX did not open this account nor authorize any one to open said accounts on my behalf. You are also reporting inaccurate, erroneous and fraudulent accounts, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or wasn't any transaction made by me without lawful authority, my written consent or authorization.

Per the FCRA any account resulting from aggravated identity theft is to be blocked within 4 days of receipt of notice as outlined under 15 USC 1681c-2. Please cease the reporting of this tradeline on my consumer credit file. 
Please see attached FTC report number XXXX for reference. See attached docs as it this document counts as my statement, copy of my ID including my current address, the identifying information of the fraudulent inquiries, and a copy of a bill evidencing my address. With respect to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX ) 3. the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not transactions made by the consumer.

P.S. This written statement classifies as the statement required under the FCRA/FDCPA when reporting fraud. 

Regards XXXX ; XXXX Without prejudice, all natural inalienable rights reserved.