davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
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. (FL)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX # XXXX3 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (NV)

15 U.S. Code 1681e - Compliance procedures ( ACCURACY OF REPORT ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

produce all documentation everything associated with account Produce original contract and auction receipt payment insurance loan insurance Westlake FinancialXXXX
Consumer complaint received 2023-08-25
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. (NY)

In accordance to the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-11-01
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ability Recovery Services, LLC (GA)

ACCOUNT NAME ABILITY RECOVERY SERVI Account : XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Consumer complaint received 2023-09-01
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commonwealth Financial Systems, Inc. (FL)

I have already file XXXX complaint with you guys against common wealth financial, for applying a debt to my report XXXX XXXX  each time failed to provide anything proving the debt and it belongs to me so the XXXX XXXX  ended with it being removed, my information has been sold now by this company to another debt agency called XXXX XXXX and XXXX, regarding XXXX XXXX XXXX, now as explained in my prior complaint it is absolutely impossible to have a medical debt under my or any of my children 's names we have all been covered under XXXX  XXXX for years, now after the last complaint with you, I filed XXXX against the XXXX XXXX in XXXX XXXX regarding this debt, and that fact that even if by some far chance this is mine, thT I am more than aware that in the state of Florida if your health insurance is not accepted by a doc place or treatment you ate tho be notified immediately. I was never notified. I also after the last complaint, I also called medicade, they were unable to confirm that there was any medical bill that was unpaid by them regarding me or my children. This debt is no straight harassment as all three companies that have picked it up since XXXX  are unable to provide any information, medicad says all medical and emergency isots over the last XXXX XXXX  have been paid in full, I don't understand how this is legal, it is messing with my life, my credit which I need to move to a better area. This is unacceptable
Consumer complaint received 2023-01-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (LA)

XX/XX/2021 XXXX PayPal account was shut down unexpectedly without any explanation. PayPal ( Ref ID - XXXX ) All of my money {$280.00} from my online sales that I made from selling a digital product was held unlawfully and I am being told that I can't access it until 6 months from now. I own a legitimate business registered with the XXXX XXXX XXXX XXXX and all of my sales were legit and came directly from my website XXXX and my leads for the sales were directed from my social media account. I did not violate any user agreement but still, my account was shut down because of the ( potential ) risk of violating a user agreement. This decision was made without any proper investigation of my sales.
Consumer complaint received 2024-03-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (TX)

I cancelled a purchase at XXXX XXXX, which was paid with my XXXX XXXX XXXX using Paypal. Since XXXX XXXX was not refunding for weeks. I filed a dispute with the cancellation with XXXX XXXX and Paypal. I got two refunds, and XXXX XXXX reversed one of them early XXXX. to be squared and just refunded once for something that got cancelled. 
During XXXX Paypal charged again what was already solved by XXXX XXXX. So now I am charged for something I cancelled before picking it up. Paypal has all the information and evidence for the reversal of the second refund by XXXX XXXX. Nevertheless paypal wants to collect the amount again even while XXXX XXXX already reversed the second refund. 
Paypal and XXXX XXXX are arrogant and dont want to talk to each other to solve the matter without affecting the customer. 

This has been taking a lot of my time and resources, I ask for compensation from paypal due to their negligence and sanctions to both, after taking the negative balance on my paypal account with the negligent reversal they are making. Now in reality I am being charged again for something I never received.
Consumer complaint received 2024-03-16
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (TN)

I opened an account with XXXX on XX/XX/2021 the limit was {$230.00} I missed a payment and when I got caught up they dropped my credit limit lower then reported it to the credit bureau as over the limit. My account is showing different balances on all 3 bureaus sites. I've reported inaccuracies and all the bureaus say is resolved by data furnished.
Consumer complaint received 2023-07-05
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)

On XX/XX/2023, per the FCRA, I notified XXXX XXXX XXXXXXXX that I elected to opt-out of any and all authorizations I may have provided them to provide my personal non-public information to any non-affiliated third party based on 15 USC 6802 .
Consumer complaint received 2024-04-22
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/year>, I received my final check # XXXX from XXXX XXXX XXXX XXXX in the amount of {$4300.00}. 
On XX/XX/XXXX, I deposited the check at the ATM machine at the XXXX Nevada Branch of Wells Fargo Bank. 
On XX/XX/XXXX, I received an email stating the check was returned to Wells Fargo Bank and the reason was refer to maker. I also received a call from Wells Fargo Bank Fraud prevention, stating that this check, along with not being endorsed, had been altered. The lady I spoke to put me on hold, verified the check was good and deposited the funds into my account. The amount was now showing in my balance. 
On XX/XX/XXXX, I went in person to the XXXX Branch of Wells Fargo Bank to find out what was going on, and was informed that due to this check, my deposit availability was suspended, and my account was set to be closed on XX/XX/year>. Furthermore, I was going to be labeled a high risk for something that had nothing to do with me. 
I then withdrew all the available funds out of my closing account. Im told they were following their policies to close my account. According to the branch, I will have to move all my accounts to another financial institution.

I have been banking with this Wells Fargo Branch for nearly XXXX years. I have never had any major issues. I am very disappointed with the level of decorum used with us considering the banking relationship that we thought we had with Wells Fargo Bank. To put this kind of hardship on myself and my family is unimaginable, not to mention the financial disruption, and embarrassment this has caused us. It has been a huge inconvenience! It feels as though we are being discriminated against by Wells Fargo Bank for this incident that was not even our fault, but the fault of my ex-employer.

This type of situation brought upon us by Wells Fargo Bank not only forces us to seek a different financial institution, but also re-initiates our " length of banking history. Im afraid it will deeply impact our ability to take out a new business loan with a new financial institution, that we would have taken out with Wells Fargo Bank ( as we had a long-term relationship with this financial institution. ) I am also told ( and I pray that this is not true ) that this action taken by Wells Fargo Bank may also affect any accounts that we may open in the future. I also pray that this action does not affect our reputation in the small town that we live and work in, and will soon be opening a business in.

In closing, I would like to ask Wells Fargo Bank for a specific written response as to why exactually this check was declined, and for what specific reason. The emailed letter was very generic.

I would also like a follow-up from The Consumer Financial Protection Bureau as to the resolution to this matter, and its correspondence with Wells Fargo Bank .
Consumer complaint received 2024-04-15
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: AMERICAN EXPRESS COMPANY (CA)

XX/XX/XXXX I paid the balance due on my personal loan at AMEX. Accidentally, I also overpaid by sending in the monthly minimum due payment. On XX/XX/XXXX I reached our requesting a refund, which they were willing to do by mailing a check not guaranteed to arrive sooner than XXXX business days. But if my money had been taken instantly from my bank account, why couldn't they refund it the same way? I escalated the matter demanding a more satisfactory outcome but was not able to receive confirmation that the complaint had been filed. I was also that options beyond a mailed check meant waiting for a call from a supervisor, to which I agreed to take but never came. Later I was told that call was attempted but I didn't pick up and they are not allowed to leave a voicemail to notify me of the attempt to reach me. I called again after 10 days had passed to inquire about the check that was supposed to have been mailed. At that time I was told an attempt was made to digitally transfer the funds to my bank account. I confirmed the account was never credited and asked again that the funds be returned and suggested this time they apply it to my other AMEX credit card account. I was told that was not possible. Today, XX/XX/XXXX, almost 30 days later I still don't have my refund. The online representative informed me that my case had been closed unresolved and could not explain to me why. Again, I requested a call from a supervisor and this time waited by my phone and picked up the call. I was told the funds were sent back to my bank account. I informed the caller of the previous failed attempt to do so and asked if that was the only option. She infomed me no notes in my file indicate such an attempt had previously been made. She was also unable to confirm bank account details identifying the account to which the funds were sent. This supervisor also denied that my case had been closed without being solved. What steps would they take to compensate me for the loss of use of my own money for nearly 30 days? The caller offered to compensate me for late fees but nothing she could do about the impact to my XXXX XXXX or inconvenience. Still no guarantee I would receive my funds in my bank account but I can call back and they'll open a new request to mail a check within XXXX business days. Unacceptable.
Consumer complaint received 2023-12-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Freedom Mortgage Company (NY)

On XX/XX/2023 I served Freedom Mortgage with documents related to a mortgage they formally serviced. Loan number : XXXX. I notified Freedom Mortgage that the loan was discharged in XXXX XXXX  Bankruptcy in the XXXX XXXX XXXX New York on XX/XX/2023. I also mailed using certified mail, a letter of recession which rescinded my securities interests in the mortgage and demanded payment for the interest that was owed to me as it relates to the mortgage being traded in the securities markets. 

I also notified XXXXXXXX XXXX that their transfer of the mortgage to Freedom Financial was illegal because it was initiated and processed after the mortgage was discharged. I also served XXXX XXXX that at the time of the purchase of the property that they were responsible for filing the deed with the county of record. Furthermore, XXXX and Freedom Mortgage was required to file a satisfaction of mortgage once they become aware of the discharge of the mortgage.

Freedom Mortgage was also served with a 1099a and a 1099c cancellation of debt. However, I continue to receive mortgage statements from Freedom Mortgage in reference to the mortgage that was transfer by XXXX.
Consumer complaint received 2024-03-14
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC (FL)

Around XXXX XXXX I got a call from this lady name XXXX. She was convincing me to take online courses to become an XXXX. At first I agreed then few days later I called her and sent her a email to let her know that Im no longer interested because Ive realized that Im making the wrong choice. When I called XXXX back she did not answer to my call but did return my call back a day later after she read my email. She was offended by my email because in the email I stated that Im no longer interested in attending your XXXX because I feel like something is sketchy with your company so she got offended and hung up on me. Ever since then XXXX XXXX has been calling my phone and harassing me talking about they are asking me to pay XXXX or they will bring me to court. Then they sent false information to my credit reports. After I made a dispute with both XXXX XXXX XXXX they agreed to remove the false collection account that they put on my credit report profile because, i sent them my exact proof for whom my XXXX XXXX are with and the name of the XXXX XXXX XXXX XXXX. Today I received a notification from my email saying theres a new collection account added to your XXXX credit profile. This time they added more false information by saying I open an account with them XXXX of last year in the amount of XXXX XXXX and go by another name just so they can go and put false claims on my credit report.
Consumer complaint received 2023-04-26
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX OF XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of XXXX XX/XX/2022 & XXXX XXXX Date of XXXX XX/XX/2022.
Consumer complaint received 2023-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC (OR)

Our mortgage servicer was changed to Flagstar bank a little over a year ago. 

We have set up automatic payments on a bi-weekly schedule as a means of paying off the mortgage more quickly over time. 

On XX/XX/XXXX, I called Flagstar to discuss. The Flagstar representative told me that Flagstar takes and holds our first payment each month in a " Suspense '' and does not apply that payment until the next bi-weekly payment is pulled. When I asked more about that, and if there was a way to dispute that company policy, she stated that each servicer gets to choose how to apply the payments, and Flagstar has chosen to hold on to people 's first bi-weekly payment each month. 

This effectively removes most of the paydown benefit of a bi-weekly mortgage payment schedule and serves as an interest-free loan to the bank for a 2 week period.
Consumer complaint received 2023-04-26
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. (TX)

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. 

Accounts have violated my rights 1XXXX XXXX Reported : XXXX. XXXX, XXXX  - {$11000.00} 2.XXXX XXXX Reported : XXXX. XXXX, XXXX - {$4600.00} 3XXXX XXXX  Reported : XXXX. XXXXXXXX XXXX XXXX {$3400.00} 4.XXXX XXXX Reported : XXXX. XXXX, XXXX - {$4400.00} 5.XXXX XXXX Reported : XXXX. XXXX, XXXX - {$6200.00} 6XXXX XXXX Reported : XXXX. XXXX, XXXX - {$26000.00} 7XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX  - {$760.00} 8.XXXX XXXX  XXXX Reported : XXXX. XXXX, XXXX - {$1400.00} 9. XXXX XXXX Reported : XXXX. XXXX, XXXX - {$980.00}. Violated my rights
Consumer complaint received 2024-02-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Aspen Yo LLC (FL)

At this time the Servicer Gregory Funding agreed to accept a new offer to continue with the short sale request, the previous offer was for {$460000.00}, the new offer is for {$480000.00} It is a higher offer from the same buyers that placed the {$460000.00} offer. The servicer did not request a counter offer amount, so I don't know if they will agree with this new amount. I am attaching the offer and the addendum of the offer.