davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
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. (FL)

I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2023-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SC)

On Monday XX/XX/XXXXXXXX XXXX I received a text message asking if I had authorized a {$2000.00} XXXX transaction. Immediately after I received a call from a number that I personally verified to be the official Wells Fargo customer service phone number. The person on the line notified me they were calling from Wells Fargo Fraud Protection and proceeded to walk me through steps to chargeback my money in XXXX. They were extremely professional and knew sensitive details about me that I didnt think anyone besides the bank would be able to access. I followed their instructions and entered a transaction of {$1000.00} on XXXX to a recipient they claimed to be my caseworker. They said I had completed the first step of my payment cancellation plan. I called Wells Fargo customer service shortly after speaking with this individual to confirm some details where I was informed that I had been scammed by someone impersonating Wells Fargo. The actual Wells Fargo launched an investigation but denied my claim for my money back due to me authorizing the XXXX transaction.
Consumer complaint received 2023-10-21
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. (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code $ 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code $ 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "
Consumer complaint received 2023-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/XXXX, I saw an offer for an XXXX XXXX XXXX and I negotiated the price down to {$500.00}. We agreed to pay with PayPal Goods & Services and I transferred {$500.00} to XXXX XXXX XXXX, whose email address is XXXX. She then complained that her account got locked and she could not do anything. She asked me to cancel the transaction and I called PayPal to dispute the money. PayPal said I would get an update by XX/XX/XXXX. 

Because she asked for a cancellation, she then asked me to send her another {$100.00} through XXXX, with the contact information XXXX. I did that, but then someone with the phone number ( XXXX ) XXXX sent me a message on XXXX, PRETENDING to be XXXX. They said " XXXX : for your protection, your {$100.00} payment to XXXX XXXX XXXX  was refunded. {$100.00} has been returned to your bank account and will be available on Wednesday ''. I did not trust the number, so I asked her about it. She said that she forgot to mention that in order for her to receive the money, I should have sent her another {$5.00}, so the total would be {$100.00}, because her bank charged extra fees. That sounded very weird to me and I said I would not transfer anything else before I got my money back. 

Then she said that she would be busy tomorrow and if I just sent her another {$100.00}, then she could ship it on that day with next day delivery. I said I only had {$55.00} left, so I transferred that amount to XXXX, with the transaction ID XXXX. After I transferred her the money, she never sent me a tracking number. She said I needed to pay more and when I asked for proof that she had shipped it, she just sent me a random XXXX  image from XXXX. Until this day ( XX/XX/XXXX ), I still have not received the phone and when I asked for a refund, she refused to give me one.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was COLLECTION account on my credit report. This is disappointing because I have been paying XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
XXXX XXXX XXXX
Consumer complaint received 2023-06-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IA)

I AM A FEDERALLY PROTECTED CONSUMER AND I AM MAKING A COMPLAINT AGAINST EXPERIAN REPORTING OF XXXX XXXX XXXX ACCT # XXXX. THEY HAVE BEEN VIOLATING MY CONSUMER RIGHTS ACCORDING TO THE FAIR CREDIT REPORTING ACT. AFTER LOOKING AT THE CONSUMER LAWS IN THE FAIR CREDIT REPORTING ACT I SEE I'M BEING VIOLATED BY EXPERIAN WITH THE REPORTING OF XXXX XXXX XXXX ACCOUNT. THE ISSUES FIRST STARTED WITH XXXX XXXX XXXX WHEN THEY TOOK OVER THE " AUTO LOAN '' FROM XXXX XXXX XXXX XXXX WHEN THEY WERE BOUGHT BY XXXX XXXX XXXX THEY STARTED MONTHLY REPORTING ON MY CONSUMER REPORT 60 DAY LATE ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. THIS IS CLEARLY ERRONEOUS, INACCURATE, REPORTING ACCORDING TO THE FAIR CREDIT REPORTING ACT. AND THIS IS DAMAGING MY CONSUMER REPORT AND MY CONSUMER FICO SCORE AND I'M PAYING HIGHER RATES FOR THINGS NOW DUE TO THIS INACCURATE REPORTING AND I HAVE BEEN UNABLE TO OBTAIN NEW EXTENSIONS OF CREDIT AND A HOME LOAN DUE TO THIS VIOLATION REPORTING ON MY CONSUMER REPORTS. FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. I HAVE REPORTED THESE ISSUES WITH FURNISHER AND HAVE BEEN POINTING OUT THE FCRA VIOLATIONS TO XXXX XXXX XXXX WITH EXPERIAN AND IT KEEPS COMING BACK 'VERIFIED '' WHEN THERE IS OBVIOUS INACCURACIES BEING REPORTING ON MY CONSUMER REPORT. UNDER THE F.C.R.A. I HAVE FEDERAL CONSUMER RIGHTS AND IM CALLING ON THE CFPB TO ENFORCE THE FCRA AND HOLD EXPERIAN ACCOUNTABLE WITH THE REPORTING OF XXXX XXXX XXXX ACCT # XXXX. BE HELD ACCOUNTABLE FOR NONCOMPLIANCE OF THERE INACCURATE REPORTING THEY ARE DAMAGING MY CONSUMER REPUTATION. AT THIS POINT I HAVE SHOWN YOU THE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT THAT ENTAIL INACCURATE, ERRONEOUS, UNFAIR BY EXPERIAN AND REPORTING THE XXXX XXXX XXXX ACCOUNT. I AM NOW ASKING THAT EXPERIAN REPORTING OF THIS XXXX XXXX XXXX ACCT # XXXX BE DELETED EXPERIAN IS SHOWING THEY DONT COMPLY OR ADHERE TO THE F.C.R.A. WHICH IS FEDERAL LAW.
Consumer complaint received 2023-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Took out a loan to attend XXXXXXXX XXXX XXXXl through my XXXX XXXX XXXX  Well they ended up not providing my training and instead they sub contracted me out to XXXXXXXX XXXX XXXXXXXX an unaccredited for profit training company that has since gone out of business.. I wrecked my truck and had a XXXX child that is now on ssi and it has been very hard.. We ended up filing for bankruptcy and included these loans which there was 2 from XXXX XXXX The loans are listed on my Creditor list and all were discharged.. They continue to try and collect and have resold the loans several times.. Every time i dispute them they pretend they are qualifying student loans that have protections and should not be dischargable.. These loans are dischargable and i can not get help from anybody even after showing them the list of creditors included these loans and explaining they were not actually qualified educational loans that should be protected from bankruptcy discharge.. Recently one of them was sold to XXXX XXXX and has destroyed my credit yet again.. Please help me..
Consumer complaint received 2023-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MA)

I received a bill from aidvantage during the first week of XX/XX/XXXX with a statement dated XX/XX/XXXX. The bill had no phone contact information so on XX/XX/XXXX I phoned the U.S Department of Education and obtained the phone number to XXXX which is XXXX. After numerous attempts calling this number and waiting approximately XXXX minutes, I finally reached a representative on XX/XX/XXXX. 

As co-signer for my son 's college education, I explained that I had no previous record of this loan and would like to obtain documentation of where this originated. The agent responded that they could only provide me with payment history and confirm email correspondence sent to me. I then asked why the interest rate was so high at 8.5 % and the agent responded that aidvangtage had sent me correspondence via email which I have no record of receiving and that by sending this email correspondence to me I had accepted the terms of the loan which is currently 8.5 %. I then asked why they had not contacted me by phone. The agent responded that according to their records the number on file was XXXX. I responded that this landline number was not accurate and and should be XXXX. 

To better understand payment history I asked what account they had received payments and the agent was unable to confirm what account they had received the payment from and could only confirm that the last payment in the amount of {$95.00} was received on XX/XX/XXXX before being placed in a hold status because of COVID. The agent then explained that the loan was now active and I needed to make payments. 

Not only is the service poor but I don't know where to get help confirming the accuracy and legitimacy of this loan. Other concerns include : inaccurate customer contact information, inability to provide requested loan information, increasing loan interest rates by stating that an email was sent notifying the customer of this new rate, difficulty reaching an agent to name a few. 

Can you please help me determine the legitimacy of this loan?
Consumer complaint received 2023-06-06
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: LEXISNEXIS (NY)

I have wrote to the credit reporting agency and also send the letter I received from the court stating that they did not send or share my private information with the credit reporting agency. A Bankruptcy is being reported in my credit file which should not be reporting on my file. this is a violation of my consumer right pursuant to the privacy act of 1974 -5 U.S.Code section 552a. this law applies to the access to, and disclosure of, records of individuals held by federal executives and regulatory agencies.The agency also violates 17 CFR 230.425 filling of certain prospectuses and communications under section 230.135 in connection with business combinations; soliciting materials according to rule 14a-12 under the exchange act and Sarbanes-Oxley act of XXXX XXXX This error on the credit reporting agency part is destroying my life, I am depressed and now suffering of anxiety, I am being denied credit. I have not given this agency a written consent to report this information in my file yet they are reporting what ever they feel like selling and buying my personal and private information, they are also violated 17 CFR 248.124 Reasonable opportunity to opt out. I have tried to resolved this issue in 2022 and I have been ignored and disrespected every and each time I have reached out in good faith.As a federally protected consumer I am opting out of any and all authorization I the consumer may have giving you per 15 USC 6802 per the opt out law cease and desist immediately reporting the bankruptcy on my credit file.The violations include obtaining information under false pretence, pursuant 15 USC 1681q ; permissible purpose of my consumer report.15 usc 1681b
Consumer complaint received 2023-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/2023, I opened a Wells Fargo Bank XXXX XXXX account that required {$25000.00} in deposits to be made by XX/XX/2023 in order to qualify for a {$520.00} savings bonus so long as the {$25000.00} was maintained in the account until XX/XX/2023. I met these requirements. The offer code was XXXX. 

The bonus, according to the Wells Fargo savings bonus promotion, would be deposited in my account by XX/XX/2023. This did not happen. On XX/XX/2023, I spoke with the Wells Fargo banker who opened my account to inquire about the missing bonus. She stated that I fulfilled all of the requirements and that the bonus should post no later than the end of XXXX. When the bonus had not posted by XX/XX/XXXX, I went to see the XXXX XXXX XXXX XXXX. He called the Wells Fargo back office. The representative told him, in my presence, that I had fulfilled all of the requirements and that the branch manager should submit a form to escalate the matter so that it could be resolved. The form was filed in my presence. The manager asked me to check back with him in 10 days. On XX/XX/XXXX, I again saw the manager. He again contacted the back office. I was again reassured that I had met all of the bonus requirements. I was told to expect a telephone call within XXXX days. That did not happen. On XX/XX/XXXX, the manager again contacted the back office and was informed, in my presence, that I had not met all of the requirements for the bonus. I never received any written communication from Wells Fargo regarding this. As a consequence of Wells Fargo 's representations that the bonus would be forthcoming, I kept the {$25000.00} in my account, earning virtually no interest, until XX/XX/XXXX when I withdrew most of the funds. The account, however, remains open.
Consumer complaint received 2023-10-21
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Bridge IT, Inc. (MI)

I had signed up for this company a few months back when I was teacher. I lost my job XXXX months ago and pushed my loan repayment off. I recently just started another job and opened a new account. This company without permission or authorization, somehow found my account that was never given or linked to them to take money from it which was bill money. I dont understand how they can even do that when real banks do not even do that. I did not authorize the payment or give them access to my new account so I honestly do not know how they got that information and I will be investigating further on that specific part of the incident. My complaint is that they went into an account I never gave them access to to take money that was not authorized and they are not being helpful. The government does not even steal money and access accounts without permission. I NEVER GAVE THEM MY ACCOUNT INFORMATION so how were they able to find it and access? I am also filing a police report for theft.
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

By my mistake, a payment of {$8.00} was declined by my bank on XX/XX/2023. This immediately resulted in an {$8.00} fee being charged the same day, plus an interest charge of {$4.00} on XX/XX/XXXX. 

However, there was a new interest charge of {$5.00} on XX/XX/XXXX. I believe this charge of {$5.00} was mistaken and I would like to request a refund. 

Also, I would like to ask for a reconsideration of fees as I always pay my card bill regularly and have never been late on a payment. 

Thank you in advance.