davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
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)

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 consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not 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 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, the financial institution and the Consumer reporting agencies XXXX 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 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 unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX 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 1681s2 ( A ) ( 1 ) A states " 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. 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 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 2023-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/23 I logged in to my Wells Fargo Account to deposit a check vis the mobile app. Once I was logged on I discovered three transactions of {$1000.00} each made to two separate people using XXXX. All three transactions were not made by me, nor do I know who the subjects are. I immediately contacted Wells Fargo and made an identity theft and fraud complaint. Week later I received a letter stating that they determined I sent those transactions. I called and spoke to a representative who stated I used my mobile app to send the transaction. Ive called multiple times disputing their finding. I attempted to appeal their decision and was told I was not able to. Another representative confirmed my two numbers on my account. After receiving their evidence on how they determined I was at fault I reviewed all documents. It was determined that someone hacked into my account using a desktop computer added a Georgia cell phone number and transferred these transaction. After filing another executive complaint I have yet to hear back from Wells Fargo. I have also filed a police report.
Consumer complaint received 2023-05-24
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 fighting XXXX and Mohela since early XXXX. I submitted proof that I was eligible for loan forgiveness due to false certification. I do not have a XXXX XXXX XXXX XXXX thus I never legally qualified for classes at University of XXXX. I submitted my proof 3 times over the last 3 years, each time waiting 90 days before reaching out to learn the status of my results. Each time i was told to re submit my paperwork as it must have gotten lost. On XXXX XXXX XXXX I received a letter from Student Aid ( See attached ) stating that they would Remove the loan from my credit and refund any loan payments. A month later I called to check status, they were quite rude and told me to call Mohela. So I did. On XX/XX/XXXX I received a letter from Mohela stating that they are processing my request. I feel they are not taking my needs seriously. It couldn't be that difficult to log in and remove the account from my credit profile. Since my battle began in early XXXX i feel this is long overdue.
Consumer complaint received 2023-05-24
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XXXX XXXX {$24000.00} XX/XX/2017 XXXX XXXX XXXX {$23000.00} XX/XX/2017 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Adler Wallach & Associates, Inc. (FL)

I returned a rent to own shed and brought a bigger one from another company, AWA Collections filed information on my credit report that i owe XXXX XXXX XXXX XXXX {$6300.00} dollars, i have did a number of disputes and contacted AWA and XXXX XXXX XXXX about the situation, they have done nothing to removed this from my credit report.How can i owe money for something i returned in good shape, a rent to own.
Consumer complaint received 2023-05-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (LA)

Incomplete or Inaccurate Documentation : I have not received any documentation from the creditor regarding the repossession of the vehicle in question. I am unaware of any legal proceedings or written notices regarding this repossession. 
Violation of State Laws : As per my knowledge of the applicable state laws, the creditor must provide written notice of intent to repossess the vehicle, as well as an opportunity to cure the delinquency before the repossession occurs. I have not been provided with any such notice, and therefore, the repossession may be in violation of the law.

Lack of Opportunity to Reinstate the Loan : I was not given an opportunity to catch up on the delinquent payments or to reinstate the loan, which could have potentially avoided the repossession. 
I kindly request that you investigate this matter and provide me with a written response outlining the results of your investigation. If it is determined that the repossession entry is inaccurate, I expect it to be promptly removed from my credit report. As a result of this incorrect information, my creditworthiness has been unjustly affected, making it difficult for me to obtain credit and negatively impacting my financial well-being.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (DE)

M & t bank has removed money from my account 4 times. They allowed XXXX XXXX to access and remove XXXX $ in XXXX. XX/XX/XXXX I made a deposit at the atm ..screen froze..held card. A few minutes later..card popped out as well as XXXX dollars. No deposit slip. My deposit was for XXXX. Immediately went inside and did paperwork Received letter today that they atr removing the XXXX from checking account tomorrow ... this is 3rd time for atm issues. I was advised to take them to small claims court. I have multiple issues like this with this bank. Same thing XXXX weeks later..investigation and this deposit was cleared {$160.00} They refuse to reopen the XXXX  issue from XXXX even though I have proof. Currently there's a charge for a campaign for around XXXX which is being investigated. I have no idea who this is from Changed cards and passwords XXXX per their advice. I'm out XXXX so far and this pending investigation. I am beside myself. It seems they Can and will do what they want. 
I need help. I'm an honest person. I don't understand how they can get away with this
Consumer complaint received 2023-05-24
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. (PA)

I am eligible for XXXX Loan Forgiveness as per the guidelines. I submitted the application to my loan servicer, Aidvantage, on XX/XX/2022. My application was denied on XX/XX/2022 because they claimed I am ineligible. After speaking with their customer service, I learned it is actually because I did not fill out the form as per their specifications. I applied again on XX/XX/2022, this time including a letter from my employer with the details of my eligibility. I was denied a second time on XX/XX/2022 because they claimed the XXXXXXXX XXXX XXXX  ) I worked for were not listed in the XXXX  Cancellation Low Income Directory. This is blatantly untrue. I submitted a third application today, XX/XX/2022, this time including screenshots from the directory. I also wanted to lodge a complaint with the CFPB because Aidvantage 's denial of my application is now in violation of the laws governing the TLF program.
Consumer complaint received 2023-05-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bonneville Billing and Collections (UT)

I moved in XX/XX/2022. Im a single mother of XXXX barley surviving as it is in this state. I never received anything from the original debtor that this account was going to collections the original debtor is XXXX XXXXXXXX XXXX, not sure if its because I moved or what happened. I spoke to the credit collector ( Bonneville Collections ) after I had received a court order and was sued, when I called to go over what was going on the representative told me well maybe you should have paid your bills and said they had already started legal action and if I didnt agree to pay them in full at that moment or agree to a payment plan then they would proceed to go after me in court. They have now set up a garnishment as of today, I called and ask for verification of the debt and everything that had been done on my account to verify the debt and was told NO, if I wanted any information on my account I would have to obtain an attorney and request them through him. That sounds a lot like Financial harassment to me. I have emailed my attorney but have it heard back from him as of yet. Everything Ive located on Bonneville Collections suggest this isnt the first time they have illegally gone after someone and sued them. My original bill was {$150.00} its now over {$1000.00}, again I was told the only way this was going to stop is if I paid them in full today and they are refusing to release verification of such debt.
Consumer complaint received 2023-05-24
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. (FL)

I am writing to you with an urgent demand regarding the removal of a charge off from my XXXX XXXX XXXX account number XXXX and a charge off from my XXXX XXXX  account number XXXX from my consumer report. I believe that these accounts are fraudulent, and I am facing extortion, as defined by 18 USC 894, in relation to them. As such, I insist on their immediate removal from my consumer report. 

I am aware that credit bureaus have the responsibility to ensure the accuracy and integrity of the information contained within consumer reports. Any inaccurate or misleading information can have severe consequences for individuals like myself, potentially leading to the denial of credit, employment opportunities, and other essential services. Therefore, it is of utmost importance that this matter is resolved with urgency and efficiency. 

I demand that you take the following actions within 4 business days from the date of this letter : 1. Initiate a thorough investigation into the XXXX XXXX XXXX account number XXXX and the XXXX XXXX  account number XXXX to verify the legitimacy of these accounts and the associated charges. 
2. Remove the charge off status from my consumer report for both accounts immediately.

3. Block any further reporting of these fraudulent accounts.

4. Provide me with written confirmation once the necessary corrections have been made. 

Failure to comply with this demand within the specified time frame will leave me with no alternative but to pursue legal action to protect my rights. According to the provisions of 15 USC 1681n, I am entitled to seek damages of {$1000.00} per violation of the Fair Credit Reporting Act. 

Enclosed with this letter, please find copies of relevant documentation supporting my claims, including any evidence of fraudulent activity. I kindly request that you give careful consideration to this evidence during your investigation. 

I expect to receive your written response confirming the removal of these accounts from my consumer report within 4 business days from the date of this letter. You may contact me at the provided phone number or email address to discuss any further information you may require. 

Thank you for your immediate attention to this matter. I trust that you will prioritize the resolution of this issue within the specified time frame to avoid any legal consequences. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

I have had a poor experience the last few days trying to get a credit card replacement from Citi with my premium XXXX card. I called yesterday to report unauthorized activity on my card by the large XXXX train company XXXX XXXX ( this has happened before with Citi. Maybe Citi would like to find out why and put a block on them charging my cards?? ). I told Citi yesterday I would call them back with my address for the next few days in XXXX and that they would then mail me the card. I called today. The first person I could barely hear and had a terrible attitude. She had me on speaker and wanted to verify everything I already verified yesterday. The second person was nicer, I could hear, but clearly lacked training. After reading her the entire address she then said the system was not letting her send to me. She put me on hold again and then said the system would not let her send to XXXX as XXXX do not go there. XXXX do go to XXXX or you can send XXXX She said it could take 3 weeks to get a card to XXXX. I have never heard such ridiculous things. 

I then requested to speak to her supervisor and she put me on hold and then call was disconnected. We know what that means. Why was I not called back? Do Citi not call customers back that are disconnected? The expectation is I keep calling back until I get someone competent? 

I need to have more competent service and the card sent to me as I was told it would be yesterday on the recorded Call. Please send to the exact address below and I need to receive by Thursday night. Thank you. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

OnXX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting.To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 

I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX. XXXX, ( XXXX XXXX  XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items.I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts.If information is not provided or the false reporting isnt removed; as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( XXXX  XX/XX/XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2024-10-10
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: EQUIFAX, INC. (TN)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous INQUIRIES on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/year>, the company XXXX charged my debit card with a transaction of USD XXXX. I didn't notice this fraud because the bank never sent me a notification. On XX/XX/year>, this company again tried to charge me USD XXXX XXXX times. This time, I received a message from Bank of America to confirm the transaction, so I responded with " no '' in the app. Despite this, the transaction was approved by the bank, and the company charged me the USD XXXX in addition to the earlier USD XXXX. 

I called in the early morning of XX/XX/year>, around XXXX XXXX, to report these transactions as fraudulent because I did not authorize them. They gave me a claim number : # XXXX. 

On the afternoon of XX/XX/year>, I called the bank again to find out the status of the claim because I had not yet received my money back. The representative said that my claim was denied because, according to them, there was no use of aggressive force on my account and the person who made the transaction knew how much money was in the account. This is untrue because they tried the second transaction four times, and the bank approved it even though I had declined it. They also state that I continued to use the account normally after the USD XXXX transaction on XX/XX/XXXX. This was because I had not been aware of the transaction until XX/XX/XXXX, when they sent me the message for the USD XXXX transaction, which I declined. After the XXXX transaction the account had not use and I reported the transaction on time. 

On XX/XX/year>, I responded with a letter to reopen the claim and faxed it to ( XXXX ) XXXX, explaining the reasons why it was not me and why their reasons for closing the case were invalid. I also stated that they had violated the correct procedure. ( Attached is the fax that I sent. ) The dispute lasted only eight days before they canceled it for the reasons mentioned, which is a violation of my rights and the law. They did not give me a temporary credit for my money and never revoked the transaction from the merchant. Everything was handled internally, which is a violation because, by law, they must contact the merchant about the disputed transaction, and the merchant has 60 days to respond. This is the correct process to follow. They can not reach a decision without first completing the proper process because this violates my rights as a consumer and the laws. 

After I sent the fax appealing the decision, today they closed the claim again, this time without any explanation. 

I am asking that the correct process be followed and my money be returned because I did not make these transactions. This is an injustice and a violation of my rights and consumer protection laws.