davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
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. (IL)

I received my credit report on XX/XX/2024 and notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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. 
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 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. I also asked for the original contract to be provided and it was not.
Consumer complaint received 2024-08-29
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TOYOTA MOTOR CREDIT CORPORATION (LA)

A recent experience XXXX XXXX XXXX XXXX in XXXX, LA has raised some concerns. on XX/XX/year>, a XXXX  XXXX XXXX was resent based on information provided by a company sales representative. representative assured that the vehicle was fully capable of working on the XXXX  platform and that, being an electric vehicle, it would take only 45 minutes to charger at a low cost. However, after only five days of use, several significant discrepancies have been discovered. The vehicle ** does not meet the requirements necessary to work with XXXX** It takes approximately 6-7 to fully recharge, on the most economical charging option, and if the battery is completely depleted, charging can take 10 hours or more. Charging the battery at a fast-charging station can cost up to $ XXXX for a partial charge, which is unsustainable for work needs. When this issue was brought to the attention of the dealer, it was communicated that returning or exchanging the vehicle was not an option due to internal policies that were implemented a year ago. these policies were not disclosed during the transaction. additionally. it was advised that returning the vehicle could negatively impact the credit rating, which was perceived as pressure and manipulation. this situation has caused significant hardship and XXXX XXXX  Toyota is expected to address and resolve the issue fairly
Consumer complaint received 2023-04-15
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: Experian Information Solutions Inc. (MI)

Earlier this month ( XX/XX/XXXX ) I pulled my consumer report and notice that an account that shows as a collection ( placed on my consumer report XX/XX/XXXX, account XXXX ) is still being negatively being reported on my Experian consumer report. I have tried countless times of communicating with the both of these companies pleading that this account does not belong to me ( Experian and XXXX XXXX XXXX XXXX ), however I have no response. I, hereby state as a natural consumer have never authorized or gave consent for this alleged collection that is misleading and inaccurately reporting by this company. I do not recognize this alleged collection, and upon of asking the company for debt validation including my wet signature, thumb print, photo ID, original contract ( s ), my authorization and consent of this alleged collection, XXXX XXXX & XXXX has not responded nor sent me debt verification. This matter has caused me such stress and anxiety. I have emotional distress due to the fact that this alleged collection has been placed on my consumer report shows that I am not protected as a consumer from Experian or this company. This alleged debt is causing harm against my livelihood as I can not be approved for mortgage loans to purchase a house for my family. I do not know where this alleged collection has come from. This company has invaded my privacy, is defaming my character and credit worthiness. This company is in violation of 15 U.S.C 1692, 15 U.S.C. 1692g, and 15 U.S.C. 1692e. I have sent in a debt validation letter for the company XXXX XXXX XXXX XXXX to send me any evidence or proof that I signed or consented to this alleged collection or given any evidence requested on my behalf on how this collection belongs to me. I will conclude that XXXX XXXX XXXX XXXX is either unwilling or unable to furnish original FACTUAL documentation with leading and actual evidence of myself authorizing the alleged collection. Apparently, XXXX XXXX XXXX XXXX company has a distressing reputation of alleged debt reporting against consumers and repeatedly breaking the law of reporting on consumers, per the XXXX case Jarzyna vs. Home Properties, et al., whereas XXXX XXXX XXXX XXXX was charged with violating the Fair Debt Collection Practices Act.
Consumer complaint received 2024-09-02
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: CLGF Holdco 1, LLC (FL)

Paid the balance of the account in full on XX/XX/2024. Spoke with a representative of concora credit on the phone this date. They advised me that {$280.00} was the total balance on the account. I was on the phone with them settling a different account when they also notified me of this account with them. During this time I was working with a debt settlement company whom was settling most of my accounts on my behalf. The accounts I had with concora credit were not part of the program as I intended to pay them off in full and settle the accounts myself. I paid concora credit for both accounts on XX/XX/2024 and was advised that both accounts were settled, paid in full and CLOSED. However in XXXX I received a notification that my indigo credit card account was past due. I called concord credit again asking why I was receiving this message. They informed me that they never closed the indigo card account after I paid it in full which resulted in {$9.00} of interest charges posting to the account. After the interest charges posted, they then proceeded to charge me interest on the interest charges and charged me with several late fees for an account they told me was closed in XXXX of this year. The account had a {$0.00} balance in XXXX after I paid in full and is now at a balance of over {$400.00}. The card hasnt even been used during that time as they told me the account was closed back in XXXX. Therefore, over {$400.00} worth of interest charges and account late fees accounts for 100 % of the total new balance. I have done everything in my power and taken action toward actively paying off all of my debt. I am 75 % through my debt settlement program and am determined to finish the program and settle all of my debt. It is not fair that this creditor is able to tell me they did something when they actually did NOT do what they said resulting in substantial financial harm to myself and my family. It is not fair that they can just say oh well we maybe made a mistake but you still owe us the money and their is very little I can do about it but pay it. Please help!
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (DE)

Wells Fargo has not deposited the promotional {$320.00} welcome bonus despite opening the account, depositing funds, and meeting the direct deposit requirements of {$1000.00} within XXXX  days. After this XXXX days the bank asks for customers to wait an additional XXXX days. Its been over XXXX days, and despite escalating the issue for a review, another XXXX days has passed, and all Im being told is theyre not getting a response from the promotions department. Thats not my problem as to why theyre having internal communication problems. Ive repeatedly called for follow ups, and get the same response that theyre still investigating.

One lower level representative said that despite meeting the {$1000.00} direct deposits, I did not make an initial {$25.00} deposit, which is not true based on the first months bank statement. I initiated over {$70.00} of deposits the day the account was opened. If they are trying to use the semantics of the word deposit to mean cash deposits, then thats false advertising with the hope of baiting new customers into opening new accounts, collecting the direct deposits of over {$1000.00}, then denying customers the {$320.00} bonus based off a technicality. A deposit is a deposit, and I deposited funds into the account the day I opened it. Ive waited long enough before submitting this complaint, and at this point Wells Fargo Bank is being unfair and possibly using an illegal tactic to unfairly increase their account openings this year.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the multiple times I've mentioned being a victim of identity theft. You must remove/block any inquiries that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
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 2024-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (CA)

I am filing a complaint against Ally Bank due to an unjust and unauthorized hold placed on my account, which has severely impacted my ability to access my funds. On XX/XX/XXXX, I contacted Ally Bank 's customer support after discovering that my account was locked, preventing me from accessing my money or receiving any deposits, including my paychecks. This lock has resulted in late fees on my credit cards due to my inability to access my funds. 

I spoke with a representative named XXXX ( employee ID : XXXX ) and his manager, " XXXX, '' the escalation manager. Neither of them could provide any information regarding the account hold or assist in unlocking my account. XXXX informed me that it would take several business days to remove the freeze, and he refused my request to immediately close my account. 

The only resolution offered was for me to wait to speak directly with the unknown agent who had placed the hold on my account. I find it unacceptable that a single agent can lock an account without any explanation or recourse for the customer, blocking access to all my funds and transactions.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint regarding inaccurate late payment information reported by XXXX on my credit report. The late payments in question were marked on the following account ( XXXX ) on the respective date ( s ) : LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX Under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), it is my understanding that my consumer report should not contain information related solely to transactions or experiences between myself, the consumer, and the person or entity providing the report. The inclusion of late payments as part of my payment history negatively impacts my consumer report, and I believe this is in direct violation of the aforementioned statute.

Additionally, I am requesting that XXXX XXXX XXXX provide, in writing, the reasonable procedures it has adopted to ensure that each periodic statement is mailed to me no later than 21 days before the payment due date, as required under 15 USC 1666 ( b ). This should also include all information mandated by 15 USC 1637 ( b ). 
Per the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide me with the requested information. If the information is not provided within this timeframe, I will assume that you are unable to verify the accuracy of the late payments listed above, and I request that these late payments be removed from my account and consumer report with all relevant consumer reporting agencies, including but not limited to Equifax, XXXX, and XXXX. 
Please ensure that any corrections made to my account are forwarded to my address as listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my account standing. 
Thank you for your time and consideration. I look forward to a positive response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (IN)

XXXX XXXX ( XXXX ) continued to charge Complainant for non-contractual service after service had been canceled by Complainant. Complainant then disputed charges with XXXX. However, XXXX sent Debt to collection agency, Sequium Asset Solutions LLC, XXXX XXXX XXXX, Suites XXXX, XXXX, GA XXXX. 

Sequium Asset Solutions LLC, contacted Complainant, via letter sent through United States Postal Service Mail on XX/XX/XXXX. Within 30 days of receipt of letter, XXXX responded to Sequium via XXXXsequiumXXXX to dispute debt and request proof of obligation. Confirmation of such was provided via XXXXsequium.XXXX dialog box. 

There was no other contact with Sequium, thereafter. 

On XX/XX/XXXX, a Collection was placed on the XXXX, XXXX  and XXXX Credit Reports of Complainant for {$160.00} by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX, whom Complainant was not familiar with nor had any previous contact with. 
The actions of XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CT XXXX, has damaged the hard-earned credit score and reputation of the Complainant considerably.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: VALLEY NATIONAL BANCORP (NY)

I closed on the property at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and Valley Bank was my lender.on XX/XX/XXXX I now found out that the property is now unhabital and so I wanted to deferred my monthly payment until I get matters sorted out.The bank note state " owners occupancy '' but I can't move in because my cess-pool is under concrete and its not funtionable and all the pipes are rotten. It's has been there since XXXX and I now need a new one. How do I live in a house without a cess-pool? In addition Valley Bank used a certificate of occupancy to close the house which was last update in XXXX even though they were aware that work was done to the house in XX/XX/XXXX, as a result I am incurring violations for unpermittted work I had nothing to do with for XXXX of thousands of dollars of which money I do not have. The certificate of occupancy that was used to close does not match the building as it is today. Valley Bank was aware that this was a bank owned property and did not do an inspection to ensures that's it is livable to some extent since they had a stipulation of " owners occupancy. '' I was not aware that this property was bank owned and that no lived in it for 6 years.Valley Bank wants me to pay a mortgage due XX/XX/XXXX for something I am not able to live inside. So XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX did a three way call to valley bank Mortgage department 5 times to get some assistance to deferred the mortgage so I can sort out all the legal issues I have. All five time Valley Bank mortgage department comes on the line and then disconnected the phone calls. Valley bank has done wrong to me in every way possible and now they are trying to bully me. I need help in deferring the mortgage until I can figure out how to get this house livable-a stipulation Valley Bank demanded from me. How can I pay for something I can't live in? How Valley Bank allow the certificate of occupancy to be used for closing that did not match the building? They were the most important component of this transaction and they paid out over half a XXXX dollars on my behalf without securing my investment.
Consumer complaint received 2024-08-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc. (TX)

I made a purchase on XX/XX/year> using Afterpay from their vendor for some vehicle work being done on my car. After I paid and dropped the car off the shop became unresponsive and would not return my calls. The shop finally responded and they gave me my car back. The car was returned to me in very bad condition. The electrical work was done badly and almost caused a fire inside my vehicle. The vinyl wrap is peeling and when they removed body parts and panels from my vehicle all the tabs and screws are either missing or broken. Most of the work was not complete that I had paid for. I tried reaching back to the shop to discuss what they had did but he shop is out of business and the owner is nowhere to be found. I contacted Afterpay about this issue and they are refusing to reply and help me resolve the issue. I am out of my hard worked money and will now have to pay another shop to fix all the issues. I have attached pictures of the bad work that was done on my car Please help me. Thank you
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (IL)

I was with my ex and he sent me money. I found out he was cheating and he filed a dispute with XXXX XXXX  Which to my bank Wells Fargo to close my account. XXXX Told XXXX XXXX  the XXXX transactions was unauthorized and that he didnt know me. I talk to you the fraud department of Wells Fargo and loss And prevention told them that I had proof that I was with him and that he was aware and intentionally sent me those. He filed a fraudulent dispute with XXXX, which froze all my money. I dont know what to do at this point because they wont allow me to do a counterclaim against him and I feel unheard please point me into the right direction.
Consumer complaint received 2024-08-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC (CA)

I sent the money on XX/XX/year>, but noticed that on the receipt that name of the recipient was incorrect. I called Ria Remittance and told them the incorrect name and was told that they can not correct it anymore since transaction was done at the store of their branch. The customer said that it will be refunded to my account since name was incorrect. Been calling them every day but the same problem. Then they asked for my recipient bank statement which was provided to them XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX as well showing that there was no remittance received by the bank until XX/XX/XXXX. Then they " claimed '' on XX/XX/XXXX ( after more than a month ) that the money was deposited and provided details but not the bank deposit itself showing the information exactly as the bank statement provided to them which we never did only because we only provided to them account number XXXX under XXXX XXXX XXXX XXXX ( correct spelling should be XXXX as per receipt ). 

I have requested real bank deposit or certification so my granddaughter can make the proper representation and verify the correctness of the information provided by Ria counterpart. 

The money that i sent is an urgent need to help my granddaughter to renew her status in XXXXXXXX XXXX XXXX but it defied our purposes as money was not received on time and we have to borrow money from my brother so we can help her. My Brother was able to send the money on XX/XX/XXXX using another remittance center using a different bank account and in minutes only with all the correct information and remittance was received accordingly I need my money to be refunded so i can pay my brother on the loan that we have made to be able to help my granddaughter. 

It's been dragging already as until now the money that Ria claimed deposited was not received at all and i need my money back. Please help urgently. Thank you so much. 

I have all the documents regarding this that i can be able to send to you.

Warmest regards- XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC. (IL)

CONSUMER FRAUD. THIS ACCOUNT WAS ALREADY PAID WITH MY SECURITIES. IT SHOULD SHOW PAID AS AGREED as of XXXX the moment I endorsed the promissory note for payment if full. Additional payments we made under false pretenses as if my original payment didn't clear. a 1099-c was issued to the IRS discharging this debt after the promissory note cleared. XXXX, XXXX and XXXX are all reporting this as if it was not paid and I have spoken to all 3 agencies to have it removed and I have spoken with Santander Consumer USA to have it removed due to non-validation of debt but they refuse to mark it PAID AS AGREED resulting in me being denied credit. this goes against the EMERGENCY BANKING ACT 1933.