davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have spent a number of years days weeks trying to get TransUnion to correct the issue so that I can retrieve my credit report. I have been transferred several times and to supervisors and still the problem has not been fixed. 
I just need my TransUnion report and should not have to wait for it in the mail. I should be able to log in and get it. So maybe you can get TransUnion to finally fix the darn  issue.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I filed a previous complaint : COMPLAINT ID XXXX. 

The bank refunded the monthly fees that were charged over a 12-month period. However, the action was a violation of 15 USC 193e- Preauthorized transfers. The banks policy to charge accounts that dont meet the dollar amount of deposits, did not give them permission to access my account and take out a monthly maintenance fee. 

I did not give the bank preauthorization to electronically take a monthly maintenance fee from my account. I have listed the appropriate Title 15 codes that substantiate my claim that I am entitled to treble damages. The bank is liable for acting without authorization and should pay the treble damages. 

Pursuant to 15 USC 1693e ( a ) A preauthorized electronic funds transfer from a consumers account may be authorized by the consumer only in writing and a copy of such authorization shall be provided to the consumer when made. A consumer may stop payment of a preauthorized electronic fund transfer by notifying the financial institution orally or in writing at any time up to three business days preceding the scheduled date of such transfer. ( b ) In the case of preauthorized transfers from a consumers account to the same person which may vary in amount, the financial institution or designated payee shall, prior to each transfer, provide reasonable advance notice to the consumer in accordance with regulations of the Bureau, of the amount to be transferred and the scheduled date of the transfer.

Pursuant to 15 USC 1693f ( b ) Correction of error ; Interest. The bank did not provide me with a copy of a wet signature or anything in writing that gave Bank of America authorization to take money from my account.

Pursuant to 15 USC 1693f ( e ) ( 2 ) Treble damages. ( 2 ) the financial institution knowingly and willfully concluded that the consumers account was not in error when such conclusion could not reasonably have been drawn from the evidence available to the financial institution at the time of its investigation. Then the consumer shall be entitled to treble damages determined under section 1693m ( a ) ( 1 ) of this title.

( f ) Acts constituting error. For the purpose of this section, an error consists of- ( 1 ) an unauthorized electronic fund transfer ( 6 ) a consumers request for additional information or clarification concerning an electronic fund transfer or any documentation required by this subchapter.

I am requesting that the CFPB review this information and request that the bank pay treble damages that I am entitled to in order to fully resolve this matter. 

Thank you, XXXX, XXXX XXXX.
Consumer complaint received 2023-10-04
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Happy Money, Inc. (WI)

Happy Money took a second payment out of my bank account for the month of XXXX without my permission. I have been trying to get my money back for several days now and keep getting the run around and told different timelines on when I will receive my refund. My normal payment was scheduled for XX/XX/XXXX, I noticed on XX/XX/XXXX that I had another payment pending from my bank account on XX/XX/XXXX. I then logged into their app to notice they were attempting to take 4 payments for that day. I immediately called them and was told they were having some sort of technical issue and they would send in a rush refund for me. As of today, XXXX, I still do not have my money back and can not get a clear answer on when I will receive my money.
Consumer complaint received 2023-10-04
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

I received two AMEX gift cards as honoraria. I successfully used a portion of the first one once at XXXX 's online in early XXXX, but XXXX 's will no longer accept them. Every time I buy something online, I try to use these gift cards before using my personal credit cards and it never works. I honestly find I can't use these cards anywhere. 

These virtual cards are declined online everywhere ( from small merchants to XXXX to XXXX ). When I called and complained about this, I was told to print out the cards and take them to brick and mortar stores to use them, but no brick and mortar store will accept a card they can't swipe. I asked for physical cards to replace the virtual cards and was told that they could not be offered. I can not use the cards in XXXX wallet, at XXXX, at XXXX -- no one will take these cards. 

I have called AMEX customer service and they can not offer me any resolution. They insist that the cards are valid anywhere that accepts AMEX but can not give me examples of locations where I can use them. They say that they can not transfer my balances for my two unusable virtual cards to a physical card. They say that they can not apply the cards as payments to my AMEX credit card. They say they can not offer me a refund.

This system seems designed to skim dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 

This is simply not the case. I can not reach a resolution with AMEX customer service. 

I have been unable to use their cards all year. My money is inaccessible. All I want is the total balance on my cards in cash/check.
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (IL)

Hello, EdFinancial has failed to provide me with any written documentation concerning to my monthly statement for XX/XX/XXXX. I did not receive my monthly statement via email or XXXX ; it is not available on Edfinancial 's website. My payment due date was XX/XX/XXXX. The EdFinancial website states that borrowers will receive a statement XXXX ( XXXX ) days before the due date. I reached out on several times to obtain my statement, including a CFPB complaint on XX/XX/XXXX. I still have NOT received a statement from EDFinancial. 

Furthermore, my autopayment was scheduled to be transferred on XX/XX/XXXX in the amount of {$800.00}. This did not occur. The payment direction in my account settings directs : " Billing Direction : Bill me for my full monthly payment For your loans in Auto Pay, your Auto Pay payment will always be for the full Monthly Payment Amount, and will continue to be deducted monthly. '' I called EDfinancial to resolve this issue on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Wait times ranged from XXXX to XXXX minutes. I opted for a call back which I have NOT yet received. I also emailed EdFinancial and have not received a response. Foolishly, I believed that EdFinancial would do what it was supposed to regarding autopay so that my loans were paid. Instead, my monthly payment was not made, I continue to incur interest, and I can not contact ANYONE at EdFinancial to address the issue.

EdFinancial has been hiding behind " extremely high call volume and longer-than-normal wait times '' for months. This is no excuse to NOT following the laws ( Fair Debt Collection Practices Act ) when dealing with BORROWERS from whom they are attempting to collect a debt. Since EdFinancial has failed to provide me with anytype of monthly statement, I'm hereby requesting validation of the debt.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (GA)

Back in XXXX of XXXX an unauthorized purchase of {$940.00} was charged to my Affirm acct. I immediately opened a fraud claim for this purchase in XXXX and Affirm did nothing to investigate for 4mo. After repeated demands on my part they denied claim and stated I needed to fill out an Identity theft affidavit and submit to them in XXXX of XXXX, which I did and still nothing has been done since then to rectify this claim. Since then they have disrupted my entire financial existence by reporting inaccurate late claims to XXXX causing my score to drop over XXXX. despite the fact they have NOT completed my fraud claim. I have disputed with XXXX and Affirm to no Avail and NEVER missed a payment relating to my personal acct that I WAS responsible for with Affirm. I have since then found that my daughter was responsible for the charge and both her and I have provided this info to Affirm, still no changes have been made to my acct to reflect I did not authorize this charge. Legal letters from Attorney has also been submitted to Affirm and XXXX on my behalf by certified mail, Which they received on XXXX and XXXX. 
I do not understand how a company can get away with such things without basis, and have processes they do NOT follow. I recently lost my XXXX XXXX in XXXX and have had Affirm harassing me ( despite I should NOT be receiving demands during open dispute claim ) during a time I am barely holding on mentally. I am trying to refinance my home but this credit reporting is hindering from doing so because of my credit score. I am pleading with your company to help to resolve. I have exhausted all known measures to me!
Consumer complaint received 2023-10-04
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: Experian Information Solutions Inc. (CA)

The following Hard inquiries are in my credit report due to Identity Theft : 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
Consumer complaint received 2023-03-22
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. (TN)

XXXX to whom it may concern please provide proof of charge off for this account, im writing in regard to inaccuracies on my credit report. this account is reporting CHARGED off with a balance for XXXX and reporting a zero balance for Transunion which is it? Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

This is my second complaint against Wells Fargo. the first was closed because they gave an answer but no resolution. on XX/XX/XXXX XXXX of my accounts were hacked business checking and personal savings and XXXX wire transfers for {$25000.00} each were made out of my account to XXXX accounts in a XXXX  XXXX XXXX. They said they could not reclaim the funds even though we reported it within XXXX half hour of the wire transfer being done. I contacted B of A as I have an account there as well they said to have the case reopened. I did and it was another XXXX weeks before I could get any information as to who and account numbers and names for the police report. They would not give me the recipient 's names and addresses as asked for by the police. I faunally got the names and account numbers on XXXX on XXXX I was told that the funds were all depleted and they were going to close the case again. I then reached out to XXXX XXXX XXXX through my financial manager for my XXXX and Retirement account ( with XXXX XXXX ) after a few days I was told that {$23000.00} was recovered and sitting in a hold harmless account and that Wells Fargo never contacted them for recovery. I called the fraud department again and asked for a new case number and gave them all the information from XXXX XXXX XXXX. As of XX/XX/XXXX no contact I called Wells Fargo again and was tolld no information that the reached out XXXX did not hear from XXXX XXXX XXXX. I called XXXX XXXX XXXX and asked them to follow up with this information. I believe neither Bank si communicating with each other. I i informed them of the fraud within XXXX hour how could they not hold the funds until it was checked out, why not give me the information for th police and if the funds that are available are sitting ther why does it take so long to get them back. XXXX XXXX XXXX tell me they have fraud insurance to cover this Well 's Fargo says it not covered because codes were sent to my phone, I informed them that my phone was also hacked I could call out but could not get calls until I went to XXXX XXXX XXXX to unlock my phone on XX/XX/XXXX. no one knows what the other bank is doing there is no communication between them and me. They don't care.
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (MS)

I see a charge on my account for {$24.00} for an XXXX credit report. I did not request this report nor authorized usage of my card. 

My bank refuses to give my money back. I have already canceled the card and asked them to look into it.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-11
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 XXXX XXXX XXXX XXXX, 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 XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following accounts : XXXX XXXX Account number : XXXX Balance Owed : {$670.00} XXXX XXXX XXXX Account number : XXXX Balance Owed : {$610.00} XXXX XXXX Account number : XXXX Balance Owed : {$830.00}
Consumer complaint received 2021-05-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX were sent funds $ XXXX on XX/XX/. On same day XXXX XXXX XXXX XXXX XXXX XXXXXXXX executed return to me sender XXXX XXXX same day because PayPal thought the transfer was fraudulent. It is now XXXX and PayPal has not returned funds to sender me XXXX XXXX. PayPal is floating funds and earning interest on funding that should have already been returned. With real-time payments, this refund is going over the normal cycle time.
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I pay my bills on time, no doubt about that. I dont get why this company shows late payments. As per USC 1666b, any mistake in billing should be fixed, and the account should show paid on time.
Consumer complaint received 2023-11-03
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. (NC)

In reviewing the attached credit bureau report issued by 3 BUREAUS, I have discovered an error. The following accounts are reported inaccurately : XXXXXXXX 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 Experian 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 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
Consumer complaint received 2024-10-10
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 recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-10-10
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. (GA)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

BANKCRUPTCY - XXXX - XX/XX/year> - {$00.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2023-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.