davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-05
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. (FL)

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.

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 2024-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (FL)

We bought a home in XXXX this year and immediately our mortgage was transferred to NewRez. The first months I had no problem with them. I reached them when I called them and payments went through. Last couple of times our payment returned and they charged a late fee both times. I talked to them about it after the first time it happened and they said the bank returned it saying Not enough funds but I called the bank right after and they said there was never a XXXX returned payment. I tried to reach NewRez ever since by phone but I cant get a person anymore. Last time I had them on the phone I did my payment again and that one ALSO never went through. I got another late payment. I dont know what to do or how I can pay my mortgage. Ill keep trying to reach them but another problem is if I keep trying to make returned payments, I will stack up on fees which I dont want to do. After this happened to me I went to their XXXX reviews and it looks like all the problems I am facing with this company other consumers had faced. In addition, I am seeing new fees being added to my online account that werent there before for insurance premium. I bought my home with XXXX with XXXX XXXX and they had my insurance already included and now NewRez is ADDING my insurance to that amount?
Consumer complaint received 2024-01-24
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. (CT)

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.

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 2023-10-26
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CA)

My loans were sold from Nelnet to XXXX. But Nelnet is still reporting them on my credit report as owing them, instead of updating them as transferred. So my report is showing that I owe XXXX dollars instead of XXXX.
Consumer complaint received 2024-01-24
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. (NJ)

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.

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 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Recently I viewed a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-24
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. (NY)

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.

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 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My student loans were forgiven XX/XX/year>. They are still on all of my credit reports showing a balance and that they are still in open status. I would like all three credit reports to show all of my XXXX accounts paid in full and closed.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (CA)

I had a account with Union Bank since XXXX. In XXXX I opened up a XXXX XXXX XXXX. Sometime in XXXX my card was constantly red flagged with fraudulent charges. The solution to me realizing funds were illegally taken was to open a new account due to the fraud. After changing the account when going into a branch for money around $ XXXX was missing, unfortunately they said I had a merchant account and master card mumbo jumbo I couldnt get the money back. For the 3rd account I opened it as a personal with my checks reading separately XXXX XXXX XXXX XXXX XXXX  the same fraudulent activity began. Arguing with union bank there is no merchant service and I made sure to make most of the deposits in cash increments during the month let record reflect. I never got a resolution to any of this and lost a business generating up to $ XXXX in XXXX alone, my account was being mishandled after arguing and disputing many charges one in particular XXXX XXXX although was denied by Union Bank months later after receiving checks. During multiple disputes XXXX XXXX XXXX, XXXX, and many more fraudulent accounts continued to have a hay day at my expense. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Remitly, Inc. (GA)

On the XXXX XX/XX/2024 I made a transaction of {$500.00} to a family member using Remitly. The transaction did not go through and the beneficiary did not receive the money. I have contacted Remitly on several occasions but have still not received my refund. I have submitted the bank statement from the beneficiary to them. I really need my money back.
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo Bank OFFERED me a credit card on or about XX/XX/23. Then immediately denied it. based on inaccurate information that they, Wells Fargo Bank are reporting to credit agencies. I've requested a validation of debt and they have refused to respond. 
this is a violation of my rights to consumer credit. 

12 CFR 1002.4, 12 CFR 1002.7, 12 CFR 1022 ( v ) 15 USC 1602 ( p ) 15 USC 1692 ( g ) 18 USC 8 15 USC 1602 ( o ) Ohio Admin. code 3901-1-55 FCRA 15 USC 1681 15 USC 1691 ( c ) 15 USC 1692 ( f ) 15 USC 6802 15 USC 1602. 31 USC 3123 15 USC 1611 TILA 15 USC 1601 Title 15 ch. 41 all 15 USC 1591 ( c ) 15 USC 1692 ( k ) Wells Fargo Bank is reporting two different charge off ( s ) to the credit reporting agencies. When a charge off is income., to which I've never recieved the 1099c to report on my end. this has become a hardship for me. i am unable to provide properly for myself, family and household.
Consumer complaint received 2024-01-24
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. (FL)

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.

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 2024-01-24
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. (LA)

I looked over my credit report and notice that. there were some unauthorized inquiries. This is negatively affecting my credit and hindering me from being able to purchase my first home. According to the FCRA this is a violation. These are the inquires as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is defamation of my credit reporting history please remove.
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (KY)

In XXXXXXXX XXXX XXXXXXXX, I paid off my CitiBank Simplicity credit card by making a payment for {$3200.00} via my bank 's XXXX XXXX  system. It was not credited to my account, so by XXXX, I had my bank stop payment and I had a Cashier 's check made for {$3200.00} and mailed that on XX/XX/XXXX. Citibank then took my {$3200.00} payment, endorsed and deposited the cashier 's check and they issued a " conditional credit '' for billing period XXXX, then later reversed that credit. As of today, they have yet to credit my account and they continue to send ebills and charge interest. 
I have contacted CitiBank numerous times by phone, have closed the account and have sent the payment verification ( copies of endorsed checks for full payment ) 3 times Twice by fax and once by email.My personal banker has written a letter on my behalf. When I check to see the account has not been credited, I call customer service. I get put on hold ( often terminal ) and transferred around the obviously overseas call center. Then I am told that they are looking into it. Occasionally I get a letter saying that they are working on it, and in the meantime, would I like to make a payment. 
The last time I called on Thursday XX/XX/XXXX, I told them that if they are unable to credit my account, please reimburse the funds back to me. I just checked my account once again and I now have a balance of {$3700.00}. 
This is getting old and has affected my credit rating. Can you help?
Consumer complaint received 2024-01-24
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. (TN)

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.

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: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NC)

I KNOW NOTHING OF THIS COMPANY NEVER HAD A CONTRACT/ OR VERBAL AGREEMENT WITH THESE PEOPLE REMOVE FROM MY CREDIT ASAP IM HOMELESS AND WHO GAVE THEM THE RIGHT TO SEND MAIL TO MY FAMILY HOUSE I SURE DID NOT STOP CONTACTING ME I DONT OWE THESE FOLKS
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: Cascade CISS Holdings, LLC (NV)

Company name ( XACTUS ) did a soft pull on my credit report on XX/XX/year> and XX/XX/year> I did not initiate any transaction or relationship with XACTUS that would give them lawful access to my credit report. Under the FCRA, companies may only access credit reports for specific purposes, such as when a consumer applies for credit, or when there is a legitimate business need initiated by the consumer. This unauthorized soft inquiry, while not directly affecting my credit score, is an unlawful invasion of my privacy and an infringement on my rights as a consumer under federal law. 
This unauthorized inquiry poses a risk to my personal and financial security, as it involved access to sensitive information. XACTUS willful violation of the FCRA reflects negligence and disregard for consumer rights. Under the FCRA, I am entitled to statutory damages for this violation, even if no direct financial harm occurred, as the law prioritizes consumer privacy and security.

Relevant Laws : 15 U.S.C. 1681b ( FCRA ) : Limits access to a consumer 's credit report to specific, permissible purposes.

15 U.S.C. 1681n : Entitles consumers to statutory damages of up to {$1000.00} for willful non-compliance with the FCRA, even if no actual damage occurs.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc. (FL)

I received a referral offer from Cashapp offering me {$5.00} if I signed up, sent {$10.00}, and linked a bank account. My son, an adult who also lives in my house, sent me the referral link. I completed thes activities and cash app refuses to award the bonus. In a chat support, they would only link to the bonus terms but would not state what qualifying activity I had not done, or if there was any reason why I wasnt awarded the bonus. In response to this question, the chat agent stated that they had already informed me I did not qualify for the bonus, could not provide more information, and that they were ending the chat.
Consumer complaint received 2024-01-24
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. (NJ)

IXXXX XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (GA)

I want to withdraw money from my Robinhood Brokerage account to my personal bank account, but my app says Account is Restricted. I called Robinhood support 3 times today. The first call they hung after 30 mins when I was on hold. The second call, they hung after I was on hold for 20 minutes consecutively. The 3rd call I was transferred 5 times to different departments saying there is nothing that these agents can do. When I reached my last person, they send they would send an email to escalate my case, however I have not received any response. I have been given the run around too many times. Robinhood is holding access to my funds, and is refusing to remove the restriction on my account. As a result, I can not transfer my money to any account I have from the Robinhood platform. The case numbers I have are Case ID : XXXX and Case ID : XXXX The resolution would be Robinhood either removing the restriction, or letting me transfer money from my brokerage account to my personal bank account.
Consumer complaint received 2024-01-24
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)

Subject : Urgent Request for Correction of Credit Report Information Dear XXXX, TransUnion, and XXXX Customer Service, I hope this letter finds you well. I am writing to bring to your attention significant concerns regarding the accuracy of information on my credit report associated with my account with XXXX XXXX XXXX XXXX. 

Upon careful review, it has come to my attention that there are violations of federal laws, specifically 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2. These laws emphasize the importance of accurate reporting and fair practices in the credit industry.

I am particularly concerned about the violation of 15 U.S.C. 1666 ( b ), which explicitly states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This provision underscores the critical importance of ensuring that payments are not erroneously treated as late.

The absence of a robust system to confirm whether I am receiving statements, whether in paper or electronic form, raises questions about compliance with this federal law. By failing to adopt reasonable procedures to verify the receipt of billing statements, there is a risk of treating payments as late, directly contradicting the mandate of 15 U.S.C. 1666 ( b ).

Furthermore, the disregard for 15 U.S.C. 1611 ( 1 ), which prohibits the furnishing of false or inaccurate information, is troubling. The lack of a reliable verification process regarding the receipt of billing statements calls into question the accuracy of the information reported, especially concerning late payments.

Considering the gravity of these violations under 15 U.S.C. 1681n, which addresses willful non-compliance with federal law, I request that immediate steps be taken to ensure the accuracy of information reported to consumer reporting agencies.

I also draw your attention to 15 U.S. Code 1681s-2, which mandates furnishers of information to provide accurate and complete information. It is crucial that XXXX XXXX XXXX XXXX complies with these obligations to rectify any potential adverse impact on my credit history. 

In light of the concerns raised, I kindly request that my account status be promptly reviewed and updated to paid as agreed. I believe this corrective action is necessary to align with the aforementioned federal laws and to ensure the accurate representation of my payment history. 

Your prompt attention to this matter is crucial, and I trust that XXXX, TransUnion, and XXXX will take the necessary steps to address and rectify any potential inaccuracies in my credit report. I appreciate your cooperation in resolving this matter promptly. 

Done in good faith.