davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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. 

The following accounts have violated my rights : 1. XXXX XXXX Account Number : XXXX 2. XXXX Account Number : XXXX 3. XXXX XXXX XXXX Account Number : XXXX 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 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 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2023, Wells Fargo closed my XXXX XXXX credit card account without any warning or notice, several months after I signed up for the card and have been using and paying it. I learned this when a charge was declined, and I logged into the app and it says my card was reported lost or stolen. Since I didn't report it lost or stolen, I called customer service. They told me I need to speak to the fraud dept and transferred me. Fraud dept said my account was closed because Wells Fargo determined the application was fraudulent. They said I need to speak to application fraud dept to fix this and transferred me. Application fraud dept said they can't fix it, and I need to speak to customer service again, and they transferred me. Customer service said they will escalate this and someone will call me in 48 hours from the Customer Advocacy Group ( CAG ). No one called me, so I contacted CAG. CAG informed me there was no escalation done, and they will now escalate to the executive office and someone will call me in 48 hours. I am still waiting for that call, and at this point felt filing this complaint would be my best change for resolution, as Wells Fargo is a group of disorganized liars who have made no attempt to help me. I want to get this account reopened and for Wells Fargo to acknowledge that I did not fraudulently apply for a card in my own name, that I have been paying in full and on time. They have wasted hours of my time.
Consumer complaint received 2023-07-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I have been working with Mohela to apply for the PSLF program and they received my original application on XX/XX/XXXX. They did not input the EIN correctly and denied my application. I received not follow-up from them. I called to see why it was not approved and they told me what happened so the resubmitted the form on XX/XX/XXXX. I did not receive any follow-up from Mohela so I called again after the processing time they had quoted. First I was told I had to call my current loan servicer to ask them to transfer to loans to Mohela. When I called the other company they told me this was not correct so I had to call Mohela back. They looked at my account again and saw that the resubmitted form did not have an EIN this time. They resubmitted the form a third time ( XX/XX/XXXX ). I received no follow-up from them so I called again. This time my form was marked as a duplicate form in their system so again was just going to sit there with nothing happening. This time they said the problem is that my loans need to transfer to them before they can process the application. I am still at the beginning step of this process even though my initial application was submitted almost a year ago. I have been told ( although I don't even know if this is accurate at this point ) that my loans need 60-90 days to transfer and then they will start processing my application which will take 30 days. It won't be until that point that I will be able to know the number of qualifying payments I have. I am trying to determine financial decisions based on this information and in the meantime will be paying them interest while I wait for them to sort through their mistakes. It is unacceptable that this process should take over a year to complete and that I have to initiate with them so many times to correct errors on their end.
Consumer complaint received 2023-08-18
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: AMERICAN EXPRESS COMPANY (CA)

I purchased an airline ticket from AmEx travel. I changed my ticket with XXXX ( not American ) because AmEx travel online had very long hold times, and XXXX travel told me they can't help with an online ticket. American told me to call XXXX, and so I did. My ticket was initially an American ticket for travel on XXXX. Any cancellation would result in credit with American. XXXX never informed me their change would completely change the rules of my ticket going forward. AmEx travel acknowledged this should never have been done by XXXX and was their mistake. American agrees it was a mistake XXXX made, but they can't fix it. I do not need credit on XXXX, and purchased my ticket through American specifically so if I had any changes my credit would be there. I disputed half the cost of both of those tickets for I have reasons stated. If AmEx travel or American Airlines, the two parties involved in selling my ticket, request back up for why I am disputing, I am glad to reiterate what I stated above and several times before, that the ticket rules were changed on me, and I am no longer able to get AA credit as was the rules at the time the ticket was sold. I am confident that I am correct that I should not be penalized or negatively impacted by mistakes made by XXXX. Amex travel refused to refund me, and Amex resolved the dispute internally, against themselves, in their favor. 

XXXX Ref. XXXX and Ref. XXXX
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (MD)

Our company mailed a check payable to " XXXX '' in the amount of {$9700.00} on XX/XX/23. The check was intercepted and fraudulently cashed at a Regions Bank on XX/XX/23. We discovered this on XX/XX/23 and notified our bank ( XXXXXXXX XXXX  XXXX. ) and had our payee sign an Affidavit of Forgery. XXXXXXXX XXXX  then " filed a claim '' with Regions bank and requested that the monies be reimbursed. After 90 days, Regions Bank finally confirmed that it was fraudulently cashed. The monies still have not been reimbursed by Regions Bank. XXXX XXXX  continually follows up with Regions and checks the account to see if the funds have been reimbursed and can not get a resolution to this. I am submitting this complaint to try to get help receiving our funds back.
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Bank of America Well, back in XX/XX/2023 I missed a payment I called in a couple days later to make the payment. The woman told me to pay a certain amount which turned out to be XXXX or {$30.00} less than it shouldve been ( mistake on her part, how this all got started ). So I go on my merry way, thinking it was taken care of meanwhile, Bank of America is just dragging that XXXX or {$30.00} behind and charging the ridiculous amount of money. I called several times and it seems like we had it figured out here it comes again, It wasnt figured out. This was a failure on their employees, and now they have begun to ruin my credit. My other cards are reducing the limit, I had great credit Bank of America XXXX  me. Now heres the kicker there talked me into auto pay. That way you wont miss your minimum payment they said. but of course they did not mention that my minimum payment coming up was over XXXX and something dollars I would never have a greed to that and they went into my bank account and cleaned me out. They took between XXXX and {$1400.00} I called to find out whats going on and they return XXXX ( which is around the amount that I paid them because of the late payment they usually double up on you ) I deactivated my account on my online banking so it was down and Bank of America somehow stole another XXXX and something dollars that night it was as crooked as crooked gets theyve basically robbed me. I talked to XXXX young man at BofA after the fact and he said that hes never seen anything like that and Bank of America definitely screwed me, I dont know why but now theyre ruining my credit my other cards are reducing the limit, as it stands I cant morally pay them any more money until we get this cleared up and I will never ever deal with that horribly corrupt institution again. I hope this is enough. Thank you.
Consumer complaint received 2023-08-04
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: EQUIFAX, INC. (NY)

I am a victim of identity theft and Im writing to you to dispute the fraudulent accounts in my file that I did not make or authorize. I have circled the items Im disputing on the attached copy of my credit report. The items I am disputing do not relate to any transactions that I made or authorized. As required by section 611 of The Fair Credit Reporting Act, a copy which is enclosed, I am requesting that the items be removed.

A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.
Consumer complaint received 2023-08-18
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. (GA)

This complaint is in reference to my XX/XX/2023 mortgage payment to XXXX XXXX XXXX. XXXX XXXX made a direct and infallible error in reporting this loan late. I have made several attempts to request the mortgage company to immediately correct this erroneous report to the credit bureaus, in conjunction with filing disputes with the credit bureaus. Their intentional neglect to correct this error has caused my XXXX XXXX to suffer a negative XXXX XXXX pts. My family and I are experiencing emotional distress and financial hardship because of XXXX XXXX  actions & nonaction. They have defamed my character and made it impossible for us to qualify for additional credit. We were in the beginning stages of consolidation of credit cards so we can assist in the funding of our first daughter wedding. Now we are having to borrow money from friends and family. As a XXXX veteran I would expect better treatment and consideration as we live on fixed income and have never been late in 3 years with this company. Extremely disappointed.I have the receipt and a official letter from XXXX XXXX dated XXXX XXXX admitting their error.
Consumer complaint received 2023-08-18
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: EQUIFAX, INC. (TX)

I recently was in the pricess of buying a home and found the following unauthorized inquiries on my credit report. I immediately contacted the companies that reported the inquiries on my account. I was unable to get my issues resolved with the reporting companies. 
The following inquiries are fraudulent and need to be removed from my report immediately. 
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
Consumer complaint received 2023-08-18
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. (PA)

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.

The following accounts have violated my rights : 1. XXXX XXXX Account XXXX : XXXX 2XXXX XXXX XXXX XXXX  Account Number : XXXX 3. XXXX Account Number : XXXX 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 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 2023-08-04
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. (TX)

In accordance with the fair credit reporting act, a creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666 B states, a creditor may not treat a payment on a credit account under an open-end credit plan, late.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Westlake Services, LLC (SC)

In accordance with the fair credit reporting act 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 that a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2016-09-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Last 2009 when I was stationed in Georgia for the XXXX XXXX I bought a Nissan frontier through financing from a dealership there and I have no idea that they charged the sales tax under my name. And take Note the truck has already been paid off a long time ago.I called the Department of Revenue of the State of Georgia and they told me that it has already been Cancelled/Withdrawn, they gave me a copy of the Document and I will include the copy on this Complaint. I went to check of their site The Department of Revenue State of Georgia to check if my name is on their Delinquent Tax Payers List and i Screenshot the result of my search and i will too include it here. 
Now my concern is it is still showing on my credit reports with the XXXX, TransUnion and XXXX and it really affects my credit score. 
I hope you guys can help me sort out things regarding the matter.
Consumer complaint received 2015-05-27
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Platinum Holdings Group, LLC (TX)

I defaulted on my XXXX XXXX card in 2009. Now a debt collector calls harassing me in regards to the debt and threatened to serve me for it. I asked him to send paperwork in regards to it and he declined and repeatedly told me to pull my wallet out and just pay the amount.
Consumer complaint received 2023-08-18
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (UT)

Im in the process of terminating my contract with XXXX XXXX XXXX XXXX due to Misrepresentation and fraud. While my legal team is negotiating with XXXX, I stopped paying the monthly payments. They have been reporting on my credit and has put me in a position where I cant get credit for housing. I know there are thousands of families with the same problems. I hope this agency can get the negative reporting removed. Not only is the XXXX been a hardship, they sold me a fraudulent contract and the following misrepresentations. 

1- Lied about ease and availability for any and all units in the XXXX  family. We have never been able to book any XXXX  property using the service we paid. 

2- Promised us One on one service for booking our first visit, never had a callback from our salesperson after our initial meeting.

3- We were promised a period of stay at our " home '' property and were never able to use.

4- We were told the unit would earn value but when we tried to resolve with XXXX, they were only going to buy back at a seriously depreciated " title '' and additional fees. 

5. Paid then over XXXX and never used properties.
Consumer complaint received 2023-08-18
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. (FL)

I formally requested copies of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

I let them know The listed account is entirely inaccurate and incomplete ( SEE ATTACHED HIGHLIGHTED REPORT ), and represents a very serious error in their reporting. I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office for noncompliance. 

I further reminded them that they were not in compliance as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of certified letters may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681a ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.
Consumer complaint received 2023-06-06
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 (IL)

On XX/XX/2023 at approximately, XXXX, I talked with a representative by the name of XXXX XXXX Capital One. I called to verify that the XXXX XXXX fee would be covered with my type of Capital One Venture card. The representative assured me that the charge would be covered. The charge is {$100.00}. He stated that it normally takes 1 to 2 billing cycles to be credited to my account. On XX/XX/2023 a purchase was made for XXXX XXXX which was in the amount of {$100.00}. I called Capital One on XX/XX/2023 to ask about the credit and was told by XXXX a Senior Account Manager in the Customer Resolution department located in XXXX, FL that they would not honor the {$100.00} as it is not a benefit of my card. He gave his Employee ID # XXXX. I explained that I was told by their representative that it was a covered benefit, and asked him if he could retrieve the call. He stated that he had seen a call and it was 13 minutes long, therefore he would not listen to it, and could not escalate it to anyone to listen to it. He said he would give a credit of only {$78.00} which is for TSA Pre-check, but would not do the {$100.00} for XXXX XXXX. I told him that was not fair as I was told by a prior rep that the fee would be covered. This is unacceptable that they have proof of what was discussed, but will not honor what their representative said would be covered. That was the purpose of my original call to verify the full charges would be credited by Capital One. Please help rectify the problem.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2023-08-18
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. (CA)

According to 15 U.S. Code 1681 ( b ) 2 this is my statement that all of the account inquiries have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These account inquiries are not related to any transactions made by me, the consumer. 

Please remove the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX