davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-04
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)

This is my several attempt to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The 3 credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ) .The disputed information are reporting to my credit file held with 3 credit bureaus. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items to be removed from my report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (TX)

I am a victim of fraud. According to 18 US Code 1341 states Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do, places in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Service, or deposits or causes to be deposited any matter or thing whatever to be sent or delivered by any private or commercial interstate XXXX, or takes or receives therefrom, any such matter or thing, or knowingly causes to be delivered by mail or such XXXX according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing, shall be fined under this title or imprisoned not more than 20 years, or both. If the violation occurs in relation to, or involving any benefit authorized, transported, transmitted, transferred, disbursed, or paid in connection with, a presidentially declared major disaster or emergency ( as those terms are defined in section XXXX of the XXXX XXXX XXXX XXXX XXXX and Emergency Assistance Act ( XXXX XXXX. XXXX ) ), or affects a financial institution, such person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both. This is fraud! I would be willing to pay the full balance right now in exchange for the original instrument of indebtedness. XXXX XXXX XXXX XXXX ( a ) and ( b )
Consumer complaint received 2023-07-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I was involved in an investment opportunity and has wired the following 3 wires from my Wells Fargo Account to XXXX and later find out that it was transferred to Scammer 's account that I couldn't transfer back or can't withdraw. I have tried to get help by Wells but kept on denying my request. See attached complaint letter for more detail. 

1. {$5000.00} XXXX on XX/XX/XXXX Case # XXXX 2. {$3000.00} XXXX on XX/XX/XXXX Case # XXXX 3. {$32000.00} XXXX on XX/XX/XXXX Case # XXXX Thanks, XXXX XXXX
Consumer complaint received 2023-07-04
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. (NC)

My name is XXXX 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 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Sir/Madam, I am a victim of identity theft, as a results of it multiple fraudulent accounts have appeared on my credit report. I have reached you regarding it several times - but unfortunately these accounts are still on my report without any changes. So I had to submit this complaint on your company in order to get some results. Please remove following fraudulent accounts from my credit history : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Thank you
Consumer complaint received 2023-07-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Harpeth Financial Services, LLC (VA)

I got a loan over 3 years ago for a small amount. The company charged a crazy amount of interest and I thought it was paid off as I have monthly payments coming out. Flash forward to XXXX and nine of the amount I pay has ever gone to the principal! This is ridiculous! It wont let me stop payments either as it has my bank account linked. Something needs to be done!
Consumer complaint received 2023-07-04
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. (NV)

No knowledge of this account. Filed a report for fraud/identity theft with the federal trade commission account XXXX XXXX Date opened : XX/XX/22 amount : {$480.00}
Consumer complaint received 2023-07-05
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: U.S. BANCORP (CT)

Hi I applied the usbank reserve card with XXXX points after {$4500.00} spending with 3 months. But somehow I didnt receive the promised bonus points. Contacted us bank a few times, some told me I had to wait, some told me that I could not get it since I had the card before. However us bank didnt mention anything on the term that people cant get the bonus because they have the card before. Would you please help?
Consumer complaint received 2023-07-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (AZ)

I, XXXX XXXX XXXX, attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a paid XXXX. XXXX Money order, which clearly states at the bottom that it is a negotiable instrument that I bought and paid for the rights to negotiate. It was made with the proper clauses and provision based on banking law in the amount of {$10000.00} in accordance with HJR-192 Public Law 72-10, U.C.C 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to Navy Federal Credit Union on XXXX XXXX XXXX They accepted my instrument but did not credit my account. I did call today, XX/XX/XXXX and spoke with XXXX in the charge off department. The phone call was recorded. They refused to stand in honor of the law by applying the proper payment ; even with the agreeing that they do accept legal tender, which is what I provided and the ability for the instrument to remain negotiable which is an even greater benefit for them. They stated that the Money Order was a " bad check ''. I am filing a complaint and asking for an immediate investigation to rectify the situation without XXXX so they may remain in honor. As it stands, they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.

I've also provided them with reading material on 'The Bank Act of 1933 '. 
Attached are all correspondence I've mailed to them. 
When they returned the full payment to me, they also included a response letter to one of my correspondences. That letter came past the 30-day request period. It did not answer any questions I had from my letter. The envelope they mailed also included detailed information of another member I have no business knowing about. Not only have they not upheld their fiduciary duty with me, but they have also failed their confidential agreement with others.
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2XXXX XXXX accidentally charged my credit card ending in ( XXXX ) {$2000.00}. I'm saying it is a mistake, the vendor is saying its a mistake, but the vendor is unable to undo the charge on their end for the full amount. 

Bank of America has had this for 3 months, ( REF # XXXX ) has not refunded my money up front which they have done in the past ), and still have not processed this. 

I want this corrected immediately.
Consumer complaint received 2023-07-05
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: WELLS FARGO & COMPANY (FL)

I am writing to you to request the removal of inquiries on my credit report. I have reviewed my credit report recently and have noticed that there are several inquiries that I do not recognize and that were not authorized by me. Below, I detail the information necessary for them to process my dispute request. 

The inquiries in question are the following : WELLS FARGO DEALER S ( XX/XX/2022 ) XXXX XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXX ( XX/XX/2022 ) I am not aware of these inquiries and do not believe they are legitimate. Therefore, I request that they be removed from my credit report as soon as possible. 

I am attaching to this letter a copy of my credit report showing the inquiries I am disputing. I have also highlighted the inquiries in question in the attached copy to facilitate their identification. 

I appreciate your attention to this matter and hope that I can resolve this dispute in my favor. Please let me know if you need more information or documentation from me.
Consumer complaint received 2021-12-07
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. (NV)

On XX/XX/XXXX I mailed to Equifax a Dispute letter asking for method of verification for a fraudulent account reporting on my credit under XXXX XXXX for {$3800.00}. They have no responded to this letter within the 30 day time-frame, nor have they updated me on a status. Action I want taken is this account to be removed immediately.
Consumer complaint received 2023-07-04
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. (FL)

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 2023-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2023 XXXX charged my card {$42.00} for an order I placed, however the order was incorrect. It was someone else 's order brought to me by mistake. I contacted Capital One, and was credited the amount of the order immediately. Fast forward to yesterday XX/XX/2023 and Capital One removed the credit and sided with the merchant with merely the merchants word that " items were received as stated and in good condition '' with XXXX supporting evidence. I was asked to respond to maintain my credit of {$42.00} which I promptly did so hours later. I responded with a detailed step by step explanation, photographic proof of the incorrect order that the merchant provided, and explained my endless attempts to work it out with the merchant before contacting Capital One, also providing proof of those attempts as well. Despite all this, hours later Capital One denies all of my evidence and sides with the merchant, deciding their one sentence with XXXX backing beats my photographic evidence and detailed explanation. Clearly Capital One is motivated by greed, not protecting their customers. I've never initiated any charge backs before with Capital One, I've been a trouble free customer until my money was effectively stolen from my account in this incident. While the dollar amount may be small at only {$42.00}, I work hard for my money and refuse to be stolen from.
Consumer complaint received 2023-07-04
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & B Corporation of Virginia (CA)

I have never done business with this company. I owe this company nothing. 5 U.S. Code $ 1681c-2 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-07-04
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. (GA)

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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX 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 2023-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MA)

I had 119 months of XXXX XXXX  employment certified through XXXX XXXX while my loans were being serviced by XXXX XXXX. My loans were then transferred to Mohela. I provided an additional employment certification form to them for the month of XXXX XXXX on XX/XX/ XXXX. I provided the form by mail, fax and uploading it to their website due to having prior issues with documentation with XXXX  XXXX XXXX. The form was received. On the Mohela website under form status it indicates it has been processed and to expect a notice within 7-10 days. That was weeks ago and I have not received anything in the mail and the website does not reflect any additional information. 

I have spent hours on the phone with customer service to try to get additional information or an understanding of why my count has not been updated to reflect 120 qualifying payments or why my loans have been forgiven at this time. It is literally paperwork for one month! My employment has been the same for the past 2.5 years. I work for XXXX XXXX XXXX. 

When I am able to speak to someone at Mohela, they do not provide any specific information about my account. They repeat information to me from a script and keep repeating that there is unprecedented interest in public service loan forgiveness. When I asked to speak to a supervisor, I was then put on hold for an hour and eventually I had to hang up. 

I have emailed them, I received a response indicating a request was put in for someone to contact me and no one has reached out.
Consumer complaint received 2023-03-02
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 privacy and confidentiality under 15 USC 1681. 
XXXX  # XXXX, XXXX, # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX, XXXX # XXXX. 
15 u.s.c 1681 section 602 A. States I 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 Report containing any the following items of information other then records of convictions of crime which antedates the report by more the 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC (VA)

On XX/XX/2023, we closed on the purchase of a new-build townhouse with XXXX XXXX XXXX. After just a few months, our mortgage was sold to Planet Home Lending. In XXXX, I received our property tax bill from XXXX XXXX XXXX. The bill was broken into two lines, the first for the land billed for four months and the second for the structure and land billed for eight months. I immediately called Planet Home Lending to see where I needed to forward the bill for payment. After navigating their automated phone system, I was directed to a recorded message stating that if I received a bill from my county for property taxes that no action was needed on my part. It said to rest assured that they would receive everything that they need to process my property tax payment from the county. 
In XXXX, I received a second bill from XXXX XXXX XXXX. The bill showed that Planet Home Lending had paid most, not all ( {$1200.00} of {$1200.00} ), of the amount listed on the first line of the bill. The bill also included a late payment penalty of {$240.00} and interest charges of {$45.00}. My husband called the mortgage company and was told that their accounting department receives the tax bills and tells the tax department how much to pay. They also said that they are not responsible for paying any supplemental taxes. They said that to pay any supplemental taxes out of our escrow account that they would have to receive a verbal authorization. He explained that there are no supplemental taxes, that the bill was broken out into two lines because the home is a new build. They said that they did not know it was a new build and we would be responsible for the penalty and interest. He then called the county to verify that the mortgage company received the same bill that we received and was assure that they did receive the same information. My husband requested that a review of the responsibility for the penalty and interest be conducted by the mortgage company. The review came back as denied. 
The mortgage company never reached out to indicate that they needed to know if we planned to pay any additional taxes ourselves or wanted them to be taken from our escrow account. They were aware that our tax bill should be around {$4000.00} per year yet did not question why the invoice was only for {$1200.00} ( the entire billed amount was {$3700.00} ). I do not feel that we should be responsible for the penalty and interest. Planet Home Lending did not fulfill their obligation to pay our real estate tax bill out of our escrow account and I believe they should be responsible for the late payment penalty and interest. There are sufficient funds to cover the tax payment in our escrow account and if the mortgage company did not understand the bill received, they should have inquired either with us or the county for clarification.