davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

To whom it may concern : I have been a capital one savor XXXX credit card customer since XX/XX/2022. At the beginning part of my financial journey with capital one, I was employed and utilizing my credit responsibly with on time payments and usage. 
In XXXX, I lost my employment due to ended contract, which left me financially unstable and unable to make sufficient payments. I was in communication with representatives at capital one in attempts to make minimal payments to avoid further negative action ; I was reassured the communication I had would alleviate a consequence of closing of my account. Within XXXX, XXXX, XXXX, and XXXX I was calling XXXX times a month to make payment whenever I could and then around XX/XX/XXXX, I received a letter that my account was closed. The later was dated for XX/XX/2022, and I had just spoken to someone from capital one a couple days prior without any knowledge of potential closing. I understand my account was closed due to returned payments from a closed account ; an account that closed due to my financial issues at that time. I am re opening that checking account and begging for a reopen of this account. 

I spoke with XXXX another representative after finding out the account was closed. I expressed my frustration given the situation and was told to re open another credit card account. I explained to the representative that once you have a closed account, it is not very easy to establish credit again. I proceeded to ask the representative have you ever had a credit card? They responded no. At that time, I realized that the person I was speaking with does not understand the severity of the matter given their lack of experience. I spoke with several representatives from XXXX to XXXX in which there was a form of a language barrier within communication. This is not solely my complaint but it is definitely a part of the reason my issues with payments were not thoroughly documented or communicated appropriately through the Capital one system. 
Therefore, I decided to mail a letter to general correspondence. I attached with this complaint.
Consumer complaint received 2023-02-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP (FL)

Received payoff statement. Wired more than the payoff amount. Representative said the payoff letter may not be good. She was seeing a prepayment penalty if paid off before 36 months. This loan was taken out XX/XX/XXXX and today it is XX/XX/XXXX, so it has been in excess of 36 month as the last day would have been XX/XX/XXXX. The prepayment clause speaks to 36 months, not 36 payments.

I have included the payoff letter which does not show a prepayment fee and the loan which clearly states a fee if paid off within 36 months, which this was not.
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. (CA)

XXXX is in violation of my rights according to FCRA. They reported on my credit report items as negative,, collections, charge offs without my permission to do so. I have a right to privacy by law.
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: Experian Information Solutions Inc. (PA)

In accordance with the fair credit reporting act, All information must be XXXX percent accurate on my report. 

The credit bureaus stated that my account was properly investigated but that cant be possible. They have failed to provide sufficient proof of verification of these accounts. The Date last active is inaccurate. The Original Payment amount is inaccurate. The Name and Address is also inaccurate. I was told the Agencies could not update my information due to the fact that these additional Alias name variations and addresses were still reporting inaccurate personal information on me. This is a violation of my consumer rights according to the FCRA. 


XX/XX/2023
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. (GA)

Account XXXX XXXX XXXX XXXX  Has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
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: SYNCHRONY FINANCIAL (NC)

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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. (MD)

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 : XXXX XXXX  account # 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 ) ( XXXX  ) 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 ) ( XXXX  ) 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 2023-02-08
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: CLGF Holdco 1, LLC (VA)

Three credit cards were opened in my name. 
XXXX XXXX XXXX XXXX for {$500.00} XXXX XXXX for {$3200.00} XXXX XXXX for {$330.00} I have reported these cards to the perspective companies. The accounts have been closed and are under investifation.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I deposited {$1300.00} on XX/XX/23 expecting my funds the following Monday XX/XX/23. Wells Fargo said that the check my employer gave me didnt have funds from my employers banks which isnt possible since I havent had issues in the past. So Wells Fargo put a hold on my check I deposited on the XX/XX/23 until XX/XX/23. This causes me not to be able to pay my rent, get gas, or feed myself for 12 days after I was paid.
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 through the 3 major credit bureaus 's and cfpb to attempt to recieve vadilation of debt for a unknown company that neither agencies have been able to present proof or vadilation of debt the cfpb referred matter out to the ftc and i still have not recieved a correspondence and its been well over 90 days that i recieved vadilation of debt from the 3 major credit bureaus for the company called XXXX XXXX that XXXX and XXXX yet to provide validation of debt per law there is a time limit that vadilation haves to be sent to consumer and yet its not recieved or removed from my credit report
Consumer complaint received 2023-02-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (GA)

XXXX XXXX XXXX charged me XXXX  months worth of rent for not breaking my lease but for not giving XXXX day notice. The debt is now been referred to a collection agency. 

Per Ga Law, The general rule in Georgia is that if a tenant abandons rental property, before the lease expires, the landlord is not required to mitigate damages by re-letting the apartment. The landlord can allow the abandoned unit to remain vacant and hold the tenant responsible for rent that comes due under the lease. This rule applies unless the landlord accepts the tenants surrender of the property or the tenant successfully terminates the lease by following the language of the early termination provision of the lease. The landlord does not accept the surrender merely be accepting the keys or by entering onto the property. However, if the landlord retakes possession of the unit and re-rents the unit or allows others to live in the unit, he can not hold the tenant responsible for rent owed under the lease. 

I did not break my lease and the apartment refuses to confirm when they reletted the unit which I am positive was within 60 dys.
Consumer complaint received 2023-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I HAVE DISPUTED THESE ITEMS TO BE REMOVED OFF MY CREDIT REPORT AND IT SEEMS AS IF THEY REFUSE TO REMOVE THE ITEMS OFF MY CREDIT REPORT FROM ALL OF THE 3 OF THE CREDIT BUREAUS AFTER ATTEMPTING TO DISPUTE MULTIPLE TIMES. I HAVE SUPPORTING DOCUMENTS THAT SUPPORT MY CASE.
Consumer complaint received 2017-01-19
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (IL)

Dear CFPB : The description below is adapted from the latest in a series of emails and phone calls to the vendor and PayPal. Hold times are XXXX plus and then being disconnected. They are not working in good faith. 
PayPal has INCORRECTLY denied my appeal through vexatious tactics. I believe that PayPal has intentionally ignored facts and defaults to decisions in their favor. I have contacted the vendor, who provides documentation that PayPal mistakenly sent them ( the vendor ) an incorrect North Carolina address. I have informed them repeatedly through phone, email, their resolution center and appeal process that : ( 1 ) I have lived in XXXX, IL since XXXX. ( 2 ) All my financial accounts have had XXXX, IL addresses since XXXX. ( 3 ) I have lived at XXXX XXXX XXXX in XXXX, IL since XXXX. ( 4 ) I can see that my XXXX XXXX XXXX ; XXXX, IL address is associated with my PayPal account. ( 5 ) At no time while completing the online order in question did I fill in or see a North Carolina address. 
Since the vendor has demonstrated that PayPal gave them a North Carolina address, IT MUST BE THE CASE THAT PAYPAL mistakenly used legacy information in generating the invoice with the North Carolina address. ONLY POSSIBLE CONCLUSION : PAYPAL IS IN ERROR. 
To resolve the error PayPal must : ( 1 ) Remit {$45.00} to XXXX to compensate them for the lost shipment. 
( 2 ) Remove the {$45.00} due from my PayPal account. 

I have spent many hours dealing with this small amount. If PayPal refuses to correct their error in a timely manner and I must continue to pursue this case, I will consider time, stress, and any damage to my credit and/or credit score in taking further action. In additions, I will file cases with the Illinois Attorney General and the Consumer Finance Protection Bureau to clarify whether you are violating any law in your obstructionist treatment of my case. Your treatment of this case has been vexatious, as you have repeatedly ignored and failed to address the facts that I have presented PayPal and refused to accept responsibility for your error. 

Their repeated conclusion in favor of PayPal is contemptuous of the facts and indicative of a process that is purely biased in PayPal 's favor and blatantly unfair. 

Although this is a small monetary amount, the principle is large : consumers should not have to pay for the errors of corporations just because corporations have the resources to antagonize consumers.
Consumer complaint received 2023-02-08
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA (NY)

I could not afford the car payment and called Hyundai who was the lease holder and asked what would happen if I gave the car back. I was told by a gentleman on the phone that if they sold the car for more than I owed in arrears and for the remainder of the lease I would be fine. That is not the case. They say I owe over XXXX XXXX? And are still reporting it. I have tried to get it removed by disputing it I have even paid companies to try. I think it wasnt right what they did almost 4 years ago and are still doing to me after they said I would be fine. And I know that they got more for the car then I owed it was in perfect condition. I was mislead and may have been able to work something out to pay them.
Consumer complaint received 2023-02-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (TN)

I booked my honeymoon at a villa/resort in XXXX in XX/XX/2022. I received a confirmation email form the resort, and I was told that I had to pay the resort through Wise.com, as my card was declined for the first charge. I did not notice that XXXX letter at the end of the email had been different and this was a phishing email. I proceeded to pay the phishing email through Wise.com on XXXX different occasions. This XXXX  was on XX/XX/2022 in the amount {$2700.00} for the booking. The XXXX was for a security deposit of {$1400.00} on XX/XX/2022. The XXXX was for monkeypox and covid testing for the amount of {$830.00} on XX/XX/2022. I found out that this was actually fraud when I landed in XXXX in later XXXX, went to the resort, and they explained that I had not yet paid. Luckily, I had the money, so I paid the resort and had a beautiful honeymoon. However, I was scammed and paid a total of {$5000.00} to a scammer in XXXX. I have email chains to prove what I went through, and I would be more than happy to forward these email chains on. When I tried to login in to Wise.com to report fraud, my account had been deactivated. When I tried to call to report the fraud, I was told that I would not be able to report the fraud unless I was able to provide my account number which I could not obtain due to my account be deactivated. When I submitted an appeal, Wise.com decided to keep my account closed. I recently reported the fraud to authorities at ReportFraud.ftc.gov.
Consumer complaint received 2016-04-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

When I went to court on this debt, the Plaintiff 's attorney stated that he could not provide ANY documentation or the original, or any copy of my signature on any signed contract, or any other original documents showing that this was my debt. But that because he had my name on a piece of paper, that I owe the debt. This is in violation of Federal Law.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (MD)

XX/XX/XXXX my checking online banking account restricted by Truist Bank. It was working fine XX/XX/XXXX. The bank decided to update accounts as a system clean up as result of an issue with XXXX accounts. I called customer service spoke XXXX different people I was instructed to go to the branch, the branch stated that the account was fine there was no issue but I still can not access it. I finally spoke supervisor at Truist Customer Service who stated I had to go back to the branch XXXX XXXX, XXXX, MD XXXX. We identified what the problem was and corrected the paperwork XX/XX/XXXX, I worked who has been very helpful but as XX/XX/XXXX I still do not have access to my account and funds. I spoke to another with Customer Service Supervisor on XX/XX/XXXX who is now stating that will now take XXXX business days for this to be taken care of due to the number of customers impacted by this change. There was no communication before this change was done. My trust has been in effect since XX/XX/XXXX with same bank through all their mergers. 
I can I pay my bills? Who is going to pay late fees? What impact could this have on my credit score? 
How can the bank do something like this without communicating
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: CREDIT ACCEPTANCE CORPORATION (TX)

The name of the creditor in question is XXXX XXXX XXXX Now this was originally an auto lone for {$17000.00}? opened in XXXX. The vehicle was totaled in an accident in XX/XX/XXXX, and paid by the insurance. Ive called them before and theyll say they are going to remove this account but they never do. Instead they have put that i owe {$10000.00}, then {$10000.00} literally on the same report. Im not even sure where they got that from but my problem is that Ive never signed a loan or deal of any kind for that amount, and it even shows that the accouint is open and that ive never made a payment on this said balance or account. ive gotten nothing but the run a round from them.this account has been on my report for over 7 years as they continue to move the date, please help. it shows as if I have an open car loan that ive never made a payment on and that is totally false.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (AK)

I 'm filing a complaint against Navient. Several years ago, after taking over my loans from XXXX XXXX, Navient had me sending payments for my XXXX different Lon types to thrsame address. At some point after this began, the address for XXXX loan type was switched and I was never informed. I continued sending payments to the address I had originally received. Several months later, I was informed ( through XXXX XXXX ) that Navient had reported me delinquent on over XXXX individual loans- the loans connected to the account with the address change. When I called Navient to find out how to disput this ( I would have been a point t accept XXXX report of delinquent payments as at that time, I would send a single amount for the loan group ) the customer service representative I spoke with informed me that she alone received multiple calls about this same issue on a daily basis. I followed the steps that were outlined to me to have the information removed from my credit report. Navient denied me. I 've also had several payments returned to me without any clear explanation as to why.
Consumer complaint received 2023-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (RI)

Dear DISCOVER CREDIT CARD ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity.
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. (MO)

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 2 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