davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

The following hard inquiries are fraudulent and do not belong to me, therefore, they need to be removed. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2018-04-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (SC)

In XX/XX/2017, I took out an installment loan for {$1500.00}. I was informed ( and this is stated on my account on the company 's website ) that the interest rate was 57.35 %. 57.35 % of {$1500.00} is {$860.00}. While I appreciate the account has been closed and marked " Paid in Full '', BBL actually owes me {$1100.00} in overpaid interest.
Consumer complaint received 2024-08-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NJ)

On XX/XX/year> I was sent some money in Venmo. {$110.00} was in my account. When I went to cash out it would not let me cash out to my bank card. The same bank card I have been using to add money to my Venmo wallet. Legally under my name. I then got an email that my account was frozen for verification. My venmo account was verified with state photo ID since I opened the account. All legally under my name. Ive only had my account a week and they froze my acct supposedly for account verification. I sent my ID and the picture of my bank card that I was transferring to ( with only showing the last 4 numbers ) that shows my name on the card and it matches the name on the account as well as my ID. They have not gotten back to me with any response and the customer service is horrible. They are telling me I have to resolve through email. Now my money is just sitting in an account that I cant access. There are thousands of XXXX complaints from this company detailing the same story. They are freezing consumer accounts for no reason. If the account has been verified there is no reason why my account should be frozen for verification of identity. They know who I am they have the documents.
Consumer complaint received 2023-07-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (FL)

Radius is apparently buying up medical debts that Americans have either already paid and/or debts that have been marked by credit bureaus as being mistakes, because they are doing so via their collection demand to me ( Reference Number XXXX ). 

I previously submitted several CFPB complaints about this same issue including via CFPB complaint number XXXX when XXXX XXXX XXXX was baselessly attempting to collect this debt from me. XXXX previously also responded via CFPB complaint number XXXX that the improper collection attempt was removed from my account. These matters were resolved over a year ago, yet Radius has now popped into the picture illegally pursuing an amount that I do not even owe. 

Both XXXX and XXXX XXXX XXXX specifically acknowledged that this debt was erroneous. However, they apparently ended up selling this illegal debt to Radius who is now illegally attempting to collect it from me. Either Radius knows it can not actually legally collect these amounts, but buys up these debts hoping it can do so, or XXXX XXXX XXXX  lied to the CFPB stating that the amounts were no longer going to be collected, but then sold the debt to Radius.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (TN)

I opened a Wells Fargo Everyday Checking account on XX/XX/XXXX. It had a {$320.00} opening bonus which required direct deposit of XXXX XXXX within 90 days. Terms stated that bonus would be paid within 30 days of the 90 day qualification period ( so, by day XXXX ). I received an email after account opening confirming that I was eligible for the bonus. I made a direct deposit of {$1000.00} via my employer paycheck on XX/XX/XXXX. As of XX/XX/XXXX ( 134 days after opening the account ), I have not received the bonus. 

I called Wells Fargo on XX/XX/XXXX to inquire about the missing bonus. Agent stated that I was not eligible to receive the bonus because I was an existing customer when I opened the account on XX/XX/XXXX. This is not true. I had a Wells Fargo account previously, but it is now closed. 

I looked up the bonus eligiblity terms on Wells Fargo website : You are not eligible for this offer if : You are a current primary owner of a Wells Fargo consumer checking account. The primary account owner is the owner whose Taxpayer Identification Number, such as a Social Security Number, is assigned to the account and has tax responsibility. 
You have received a bonus for opening a Wells Fargo consumer checking account within the past 12 months. 
You are a Wells Fargo employee. 

I was not a current owner of a Wells Fargo consumer checking account as the previous account was closed on XX/XX/XXXX. I had not received a bonus for opening a WF checking account within 12 months - previous bonus from WF was on XX/XX/XXXX ( more than 12 months before opening the current account ). I am not a Wells Fargo employee. 

The agent I spoke with said that I am considered a " current '' customer due to the account that was closed in XX/XX/XXXX. My definition of " current '' is " now, '' not " sometime in the past '' and I imagine most consumers would agree. 

Bottom line- I met all Wells Fargo eligibility requirements as stated on their website and I met the terms of the bonus also as stated on their website. I should be paid what I was promised.
Consumer complaint received 2024-08-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ALLIANT CREDIT UNION (FL)

On XX/XX/24, I applied for a credit card account at Alliant and they illegally discriminated against and denied me, effectively breaching their fiduciary duty to act in my best interest. My credit score was XXXX, and is now a XXXX. 

They are also violating multiple TILA and USC guidelines : 15 USC 1611 15 USC 1602 15 USC 1691e 12 USC 1431 Request for Documentation : Additionally, I request documentation of all books of account, both private and public, to demonstrate who received the benefit of the inquiry into my credit report. The inquiry from thier institution signals that a transaction has been completed on my credit account, from which I did not receive any benefit. 

I am entitled to clarity on who benefited from the inquiry on my consumer report from your institution, and peacefully demand that I receive all portions of that benefit due to me I also request a listing of all factors that were involved in this consumer transaction.
Consumer complaint received 2024-08-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

XX/XX/year> - I was approved for the Citibusiness Checking Account at the XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX location. Opened by a very professional and friendly banker named XXXX XXXX XXXX. Was approved for the " Small Business Checking Offer '' ( Please see attached for Terms & Conditions ). 

XX/XX/year> - reached above {$20000.00} balance ( to meet {$750.00} bonus level ) in the amount of {$20000.00}. 

XX/XX/year> - this was the XXXX day after opening my account, in which I maintained the required " $ XXXX or more in New-to Citibank Funds to my eligible account within 20 days of account opening ''. 

XX/XX/year> - this was the XXXX day after opening my account in which I maintained my minimum balance of $ XXXX. 

XX/XX/year> - this date I met the final requirements of the additional 60 consecutive calendar days from the XXXX day I maintained my minimum balance of {$20000.00}. 

XX/XX/year> - this date was 30 days from the end of the month in which I completed all of the offer requirements ( XX/XX/year> ). According to the following terms, the Cash Bonus should have been posted by this date : " The Cash Bonus for which you qualify will be credited to your Citibank business account within 30 days from the end of the month in which you complete all Citi Checking Offer requirements. ''
Consumer complaint received 2024-08-14
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Paypal Holdings, Inc (FL)

I received an email from XXXX ( an email address which I do not have in my contacts ). on Tuesday, XX/XX/year> at XXXX PM with an attachment advising me that : " your XXXX for billing : XXXX '' was over due. 
The attachment was an invoice from PayPal with a phone number XXXX and an XXXX XXXX of XXXX. 

The attachment read : your order has been successfully placed and the purchase receipt will appear on your account within the next XXXX hours. The amount of USD XXXX has been charged to you and will be debited from your account. 
XXXX XXXX XXXX XXXX XXXX for all devised {$550.00} - Transaction Fee {$25.00} Total {$570.00} Payment will be auto-debited from my XXXX, please note that it XXXX take a little while for the charge to appear in the recent activity.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of America has XXXX in my checking and they froze my account on XXXX XXXX and never told me. I tried to move money to my BofA savings and tried to withdraw from atm and they wont let me. When I called I spent hours and all they say is your account is being reviewed we will let you know THEYVE STOLEN MY MONEY ( well I hope I get it back but Ive already lost the opportunity cost ) I wanted to get a higher interest rate and move it to the savings i have with them but they froze my account with no warning, no notice, and they continue to give me no reason why after a week and a half. I cant even buy a hamburger right now, cant get a dime from my checking and they refuse to tell me why.
Consumer complaint received 2022-12-03
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. (TX)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I attended the XXXX XXXX University, a widely known predatory school, and want to apply for discharge of the Navient private student loans the university was issued on my behalf. 

The Project on Predatory Student Lending ( PPSL ), the nonprofit legal organization representing borrowers defrauded by predatory colleges that has been monitoring the XXXX XXXX XXXX  lawsuit, in which I am a class member, issued a press release stating " Navient began quietly sending a new application to a select few borrowers, including some PPSL clients, allowing borrowers who experienced misconduct at their school to apply directly for discharge of private loans ''. 

As a class member of the XXXX XXXX XXXXXXXX lawsuit, which ruled that I am entitled to federal loan discharge, I believe I meet the stated criteria to apply for a School Misconduct Discharge Application for my private loan, also issued by Navient. 

I contacted Navients Office of Consumer Advocate on XX/XX/XXXX requesting a School Misconduct Discharge Application for private loans. 

XX/XX/XXXX I received a response stating that " additional information was needed in order to fully review my concerns, such as my Navient account number '' and I promptly replied with the information they had requested. 

On XX/XX/XXXX, I received a reply stating : " Thank you for inquiring about a school misconduct discharge for your private loan. Your loan type ( Refinance ) does not meet the criteria for you to receive an application. '' I believe this is incorrect as I do not have a refinance loan. 

Navient issued standard Private loans to the university on my behalf. I did consolidate my debt with a different lender essentially leaving the Navient account as " paid in full '', however, Navient did issue the initial loans which I am currently still paying.
Consumer complaint received 2024-08-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Stellantis Financial Services US Corp. (DC)

On XX/XX/year> these Companies pulled my credit profile without my Authorization. This incident was reported as identity theft & should be removed from my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Hello..so I signed up with a debt collector ( XXXX XXXX ) they ensured me that if I signed up with them for 3 years at a payment of XXXX $ per month..that they would take care of my 3 creditors ... I've made XXXX straight payments over XXXX dollars an my creditors are saying they haven't received any payments..I call XXXX  several times a day an they keep giving me the run around so I need to know what's my step..Thank you so much
Consumer complaint received 2024-08-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (HI)

A friends account was hacked. We sent the payment to the account not knowing it was hacked. Contacted the bank who could not stop it and contacted Zelle who refused to do anything ; they actually hung up on me! They refused to follow their own company policy and federal consumer protection laws requiring them to refund the fraudulent scammed transaction. 
XXXX and XXXXXXXX XXXX {$1000.00} Company refused to help ; escalations supervisor refused to transfer me to her supervisor then transferred me to the general customer service number. She said she is the supervisor and there is no one above her. 
They refuse to share their policy requirements for a refund. They refuse to refund fraudulent transactions.
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NC)

I have a Citi double cash Credit card ending in XXXX, I made a payment of {$9900.00} in XXXX was reversed in XXXX. Since then I tried contacting customer service team to get help. Citi think the payment I made was by error, then reversed it. But until now they still holding the funds never returned to the original checking account where it comes from. 
I started submitting evidence including checking account statement with this payment three times, but after two weeks of submission they told me they couldnt read the pictures or didnt received it.Until now their investigation team still not helpful. 

I started contacting them in XXXX, never fixed my issue.
Consumer complaint received 2024-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC (MA)

I purchased a condo and opened a loan with CrossCountry Mortgage. They have been harassing me from day one about insurance. I have sent them my insurance informational several times They ask for me to purchase more ( They even purchased {$5.00} worth of insurance and charged me {$.00} because this is how inept they are ). Today they are asking for flood insurance which was not required to purchase the condo. I do have a policy in place for myself and the condo has a master policy. I have forwarded this to them. Today they are asking for more flood insurance. This company does not seem to know what they are doing. Their harassment needs to stop or I ask that they sell my mortgage to somebody else.
Consumer complaint received 2024-08-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Self Financial Inc. (CA)

They have this account listed as opened in XXXX which is incorrect. They have the last payment made in XXXX and that is incorrect. I have no knowledge of this account and have made no payments to anything as such in XXXX. There is no way I am past due XXXX or even 60 days on an account I do not know what it is. I attempted to call the company but it automated and goes through various advertising sales without leading to any prompts.
Consumer complaint received 2023-08-01
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. (FL)

I have filed several complaints against the credit bureaus. 

I am unable to receive funding for my business and the patented technology is loosing income because of this situation revolving around my credit report.. the amount of debt listed is not valued as much as the projected financials of the business plan for the company. 

I demand that the credit bureaus remove the 2 negative items from my credit report and clear off all hard inquires.. 

The credit bureau did not have my consent to FURNISH the account in such manner that can hinder my financial freedom and stop all of my businesses income. 

Please show me a CONTRACT that I have signed with the credit bureaus that allows them to accept my data or credit report and use it against me to prevent financial growth or debt consolidation.?
Consumer complaint received 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Continental Finance Company, LLC (TX)

On XX/XX/year> I signed up for a credit card with XXXX and was told after XXXX payments My credit limit would increase to a XXXX They returned My XXXX scheduled payment after I had the next day to confirm if the payment had gone through. 

After XXXX  months, they refuse to increase My credit limit. And they falsely advertised when I signed up; and they refused to do anything to help.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nexum Group Inc (IL)

Nexus group put a bill for {$2300.00} on my credit for collections. This is bill is not mine and they refuse to send me a contract or information regarding this collection. This information is inaccurate and needs to be removed. Its reporting on all three credit bureaus. 

XXXX refuses to respond or show me how this collection is valid and belongs to me.