davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
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. (AZ)

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. 

CONSUMER XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX ACCT # XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
HAS VIOLATED MY RIGHTS.HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may take any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I am writing to urgently dispute several unauthorized and invalid hard inquiries that have appeared on my credit report. Upon reviewing my recent credit report from your agency, I was deeply concerned to find these inquiries, none of which I have authorized or consented to :
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : XXXX Account number : XXXX Balance : {$0.00} XXXX XXXX Account number : XXXX Balance : {$2200.00} XXXX XXXX XXXX Account number : XXXX Balance : {$4700.00} XXXX XXXX XXXX Account number : XXXX Balance : {$1400.00}
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/year> I requested that XXXX XXXX XXXX  send me a formal confirmation of our business relationship which they didnt provide. According to 15 USC 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report. If a consumer reporting agency fails to meet this standard and provides inaccurate information, they may be held liable for damages. This provision emphasizes the responsibility of agencies to maintain accurate records and protect consumers from the negative consequences of inaccurate credit reporting.
Consumer complaint received 2024-09-21
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: Experian Information Solutions Inc. (WA)

XX/XX/year> - I called in to get information on when I needed to pay off my account before interest accrued. I paid off the amount the XXXX XXXX employee gave me to avoid interest. However, this information was incorrect and the extra interest was added to my account which caused a delay in payment. 
XX/XX/year>- I called XXXX XXXX again informing them of the issue with the balance owed because of the interest that was added. I was told this would be resolved and my payment wasn't due for another 19 days. 
XX/XX/year> - I was connected with a Case Specialist via email and was given a resolution timeframe of on or before XX/XX/XXXX which was 3 days before my payment was due. 
They did not provide a proper resolution in the given timeframe which led to the late payment. 
XX/XX/year> - a 30 day late payment appears on my account XX/XX/year> - I reached out again and was assigned to a Case Specialist on XX/XX/XXXX and given a resolution timeframe of on or before XX/XX/XXXX. 
XX/XX/year> - They responded saying they need more time. 
XX/XX/year> - They provided a resolution and XXXX XXXX agreed to remove the extra interest charges and the associated late payment fee. However, despite these adjustments, the late payment still remains on my credit report. 

This lingering record of late payment continues to jeopardize my credit standing, despite the fact that the initial error was due to misinformation provided by XXXX XXXX staff.
Consumer complaint received 2024-09-21
Product: Credit reporting 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)

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 Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and overall credit health.
Consumer complaint received 2023-09-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (AZ)

I submitted for XXXX through Mohela on XX/XX/XXXX. I found out that I needed to transfer my loans from my previous loan servicer to XXXX  XXXX which then transferred them to Mohela in XXXX of XXXX. In XXXX or XXXX of XXXX, I was told that XXXX payments had been accepted for PSLF forgiveness. When I contacted Mohela to find out why only payments between XXXX and XXXX were accepted, I was told that they were waiting for more information from the Feds. 

I contacted Mohela at XXXX on XX/XX/XXXX to find out why only payments from XXXX were considered in my forgiveness count when I have verified employment from before XXXX. The representative I spoke with could not figure out why that was either. He told me he was going to put in a request to figure out why no payments before XXXX were considered. He told me to wait XXXX weeks before calling back to check on the status of this request. 

On XX/XX/XXXX, I received a letter from Mohela ( even though I've requested electronic correspondence many times ) essentially informing me that I do indeed have an account with them and that I can check my XXXX  progress on the website. 

On XX/XX/XXXX I called to follow up on my original request since it was NOT addressed in the letter I was sent. I was told to be patient and that some XXXX requests would be fully processed in XXXX and others not until XXXX. 

I have tried to contact Mohela in XXXX and XXXX of this year and have not been able to reach them because of high call volume. They are not a very user friendly company. 

My complaint is that I've submitted all the appropriate paperwork and am still waiting for forgiveness after 18 months. No one seems to be able to answer my questions. I've been paying on my loans since XXXX.
Consumer complaint received 2024-11-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

DATE : XX/XX/XXXX USAA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX, TX XXXX My vehicle XXXX XXXX XXXX was repossessed from XXXX XXXXXXXX XXXX  on XX/XX/XXXX because I was XXXX XXXX XXXX and defaulted on the loan to buy the vehicle. I contacted USAA and spoke to a representafive XX/XX/XXXX who reassured me that she would notate my account that I would be making a partial payment that week and that I was going through a hardship. I thought my car was stolen, I even have a police report and pictures of tire marks. It wasnt unfil several weeks later that I found out that my car was reposed. I never received any mail stating this would happen. When I checked my account, I saw that payment was not taken. 

I demanded in a certified letter USAA return to me all of my personal property ( professional tools, gym bag, WEDDING ring in center console, monies in door and console, mail, 2 rocking lawn chairs, tools, party supplies, beats headset that where in the vehicle along with the tags immediately. My personal items are very valuable. I have never received any noTice from repo company or USAA about my personal belongings.

USAA does not have a right to keep my personal property or to charge me a fee to recover it. They have a secured interest in the vehicle only ; my personal property is unsecured. If they do not return my personal property, they are liable for conversion, negligence, and remedies provided by the Uniform Commercial Code. See RCW 62A.9A.625.

Contact me as soon as possible to tell me when I will receive my property and the vehicle tags.
Consumer complaint received 2024-09-21
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: Experian Information Solutions Inc. (NJ)

Dear XXXX XXXX  XXXX Acct XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Consumer complaint received 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I found out today, XX/XX/2023 that my credit limit was decreased by 20 % for no good reason. 
I had not been in arrears. 
The old limit was not sufficient and strained cash flow for the small business. 
the limit occurred after I filed a CFPB complaint. 

There should not be retaliatory actions by this organization for filing complaints. 

I at times had thousands of dollars of credit balance for overpayment. 

When I told them I was recording the call where they said they can not find a reason for the decrease, the agent disconnected the call. I have federal and Georgia rights to record a call to which I am a party.
Consumer complaint received 2024-11-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION (VA)

I signed up for a XXXX XXXX XXXX checking account with a promotion bonus of {$500.00} subject to meeting requirements. I verified my zip code as being eligible for the promotional offer using the XXXX XXXX XXXX website during the application process. I took screen shots the promotion terms and have attached them to this complaint. I successfully opened the checking account on XX/XX/year>. I completed all required account documentation and verification. I received the required direct deposit based on the terms and inquired with XXXX XXXX XXXX support via secure messages about not receiving the promotion bonus. My account shows account fee reimbursement which means I met direct deposit requirements, but the bonus was not provided. XXXX XXXX XXXX support responded saying I was not eligible for the offer. This was deceptive advertising from their own website.
Consumer complaint received 2024-11-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (NC)

Stated I owed XXXX XXXX XXXX  {$1600.00}. While on the phone with credit company i also called XXXX XXXX XXXX. The rep with XXXX XXXX XXXX stated an amount of {$100.00} and XXXX XXXX stated no balance due.. The credit collection company stated name as Radius Global and calls from XXXX
Consumer complaint received 2024-11-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Shellpoint Partners, LLC (MI)

This is a second complaint regarding the same issue ( # XXXX ). 
All requested documents have been provided to company. Emails sent in XXXX and XX/XX/XXXX, have not been responded to by the assigned individual, XXXX XXXX. 

I contacted Customer Service at NewRez on XX/XX/XXXX, and was told by Supervisor XXXX XXXX an assumption should not take this long and a complaint would be escalated. 

This assumption request was started in XX/XX/XXXX, and it still has not been completed.
Consumer complaint received 2023-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services (CA)

On XX/XX/XXXXXXXX  Sequoia Financial Services sent me a letter stating that they were collecting a debt that I owe to XXXX XXXX XXXX XXXX XXXX. 

The information included in the letter : An account number with XXXX XXXX XXXX XXXX XXXX, An amount owed of {$36.00}, And a due date of XX/XX/XXXX. 

The number for the utilities account they provided matches the apartment unit I was renting but the date is for the month before I moved in ( I moved into that apartment on XX/XX/XXXXXXXX  ). So I disputed the charges with Sequoia Financial Services in a letter, but they have ignored it and haven't communicated anything else to me since. My credit report now shows the debt in collections, and it is affecting my credit score. I have documents proving that I did not reside in that unit on the dates provided by Sequoia Financial Services.
Consumer complaint received 2022-10-27
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. (SC)

After extensive research I have become aware that your company is in direct violation of a number of federal and state laws including the FCRA, Fair Debt Collection Practices Act. Your company is in violation of Title 18 U.S. Code 1951, Interference with commerce by threats or XXXX and my XXXX amendment right to privacy. Im seeking immediate relief for the inaccuracies and damages caused by your company. Below is a list of accounts that your company has published WITHOUT my written consent Collections XXXX XXXX  LLC- {$460.00} XXXX XXXX XXXX- {$620.00} Inquiries XXXX XXXX ( Bank ) XX/XX/XXXX 2022
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

Hello, I am writing you with deep concern of an item that has been in dispute with Wells Fargo since XX/XX/year>. Wells Fargo reported XX/XX/year> payment as late to the credit bureaus, however, the payment to Wells Fargo was made on XX/XX/year>, with a due date of the XXXX of every month. Thus, the payment was made within the 30 day period. 

While severe financial circumstances caused me to pay late the previous months 4 months, I was certain to make sure XX/XX/year> was paid within the 30 day period to decrease the negative effects on my credit. This was in fact paid on the XXXX day from its due date, still within Wells Fargos grace period also. 

The proof is attached on my payment records to Well Fargo. 

Please assist me as the dispute has continuously been rejected/denied by Wells Fargo and Credit Bureaus XXXX 

Thank you, XXXX XXXX
Consumer complaint received 2024-11-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (TX)

This company is violating my rights they have not provided information Under 12 CFR 1006.34 ( b ) ( XXXX ) yet they have placed a collection on my consumer report. I have made previous attempts to fix these issues directly with them and they are violating my rights and I am entitled to {$1000.00} for every violation I listed they either pay me or delete these accounts ASAP
Consumer complaint received 2024-11-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC. (CA)

Around XX/XX/XXXX, I created a SOFI Account. I used this account to accept money from my XXXX, which id either send to a XXXX  wallet or back into XXXX. I used this cardless account maybe 2 times per week. I noticed my account got suspended, but didn't think much of it so I left the account for a month or so. I come back to try to get my money out ( {$170.00} ), but was unable. I call their support at the provided number, and they tell me its in investigation and to wait for it in the mail. A year later, XX/XX/XXXX, and I've yet to receive any update/money back.
Consumer complaint received 2024-11-01
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I have purchased a number of cards almost a year ago, that I was NEVER able to use ( was getting declines at multiple merchants ) Filed multiple complaints ( see below ) to get replacement but never heard back, it has been almost a year now. The company sold gift cards that were NOT usable, did not provide replacement in a timely fashion, most likely trying to discourage customers to retrieve their funds and pocket money at their expenses via breakage and/or interests Cases : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

on XX/XX/year> I deposited a {$120000.00} personal check into my bank account with Wells Fargo. The receipt says {$110000.00} would be available on XX/XX/year>. Based upon such WF document and reviewing my checking account online I issued 2 large checks and delivered at the XXXX XXXX XXXX on XXXX. XXXX XXXX  XX/XX/year> at XXXX ; XXXX, I received an e-mail from Wells Fargo which stated that the {$120000.00} was on " hold ''. due to in sufficient funds. That same day I went to my financial Institution where I wrote the check against, and they provided me with a printout that evidenced the {$120000.00} was still sitting in my checking account. I went over to the WF branch I deposited the check with XXXX ( via there inside teller ) and the branch manager said there was nothing that could be done.

I continued searching for help and I eventually spoke with a banker in Wells Fargo customer service on XXXX  XXXX and he opined that the branch screwed up and should have called over to the XXXX branch to determine if the check was good and $ $ there... .that was not done. ( I have asked for such procedure by have been stonewalled as to each of my requests of WF for documents and policies/procedures. ) Since., I had issued the 2 large checks I scrambled to see where I could possibly get monies to cover the checks. Ultimately, I had to sell {>= $1,000,000} in long term investments held at XXXX and have the proceeds wired into Wells Fargo to cover the XXXX large checks issued. 
On Saturday evening, I sold the investments at XXXX and had the $ $ wired into the WF checking account to cover the checks due to the " hold ' placed on XXXX  XX/XX/year> at XXXX ; XXXX for the alleged " insufficient funds '' .. sadly, such hold was misguided and was inaccurate as the $ $ was always available. 
Finally after spending most of Monday XX/XX/year> trying to work to unbundle WF errors I spoke with numerous escalation teams at WF. Some of the reasoning they told me lacked any common sense.ie..my monies were somewhere sitting at the US Treasury! Finally, I go to a man in the fraud escalation unit at WF on the afternoon on Monday XX/XX/year> he initiated a 3 way call with my other financial institution, XXXX, and they advised his that the {$120000.00} was available the whole time. He then took steps and, low and behold, the erroneous false hold was lifted.

trying to deal with WF staff on this has been an absolute nightmare! their crew seems to blatantly intentionally misstate material facts, fails to provide document and refuses to provide documents requested.