davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

I had sent a wire XX/XX/XXXX to a person at wells Fargo of XXXX. The money was never released to the recipitent? The bank called me, and asked if I sent? I said yes, Then they said they could not talk to me, since I was not the customer of Wells Fargo. 
Then on XX/XX/XXXX, I was asked to call wells fargo with a claim number of transaction, I did, and was told there is no transaction with this number. Then I spok to the recipitent, and they told her they were sending the XXXX back to my account. That never happened, Then they said the money would be returned XX/XX/XXXX. Nothing yet, However the resipitent said they closed her account? but they will not say where and how money is being distruibuted? I have the receipt so you can see, My bank and I thought this person recieved. This disaster has caused me a financial loss, and so much duress. It is over 45 days, and I can't get any answers! I am being penalized for something that I have no control over.
Consumer complaint received 2023-12-17
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. (HI)

XXXX XXXX University Ombudsman letter submitted to Creditor, XXXX and TransUnion in last XXXX  days. Creditor did not take action to correct tradeline and remove misreprestation from my credit reports.
Consumer complaint received 2023-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to formally dispute and request the correction of inaccurate late payment information on my credit report. After careful review of my credit report, I have identified discrepancies related to the reporting of late payments. I am seeking your assistance in correcting this matter promptly. 
Below are the details of the late payment information that requires attention : XXXX XXXX  XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX  XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX  XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I acknowledge that there was a late payment on the mentioned account, and I take full responsibility for the delay. However, I want to bring to your attention that the late payment has since been settled. I discovered the oversight promptly and made the payment as soon as I became aware of the delinquency. 
I understand the importance of accurate credit reporting, and I am kindly requesting your consideration to update the late payment status on my credit report. I am not disputing the fact that the payment was initially late, but I am requesting that the credit report reflect the resolution of the issue that is, the payment has been made and the account is now current.
Consumer complaint received 2023-12-17
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)

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for egregious violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. My concern revolves around XXXX XXXX 's inaccurate reporting of negative transactions on my consumer report, a clear infringement of the rights protected under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). 

In addition to the FCRA violations, XXXX XXXX has failed to provide the appropriate mechanisms for me to exercise my legal right to opt-out of the sharing of my nonpublic financial information with third-party non-affiliates, as mandated by 16 CFR 313.7 and 15 USC 6802. This blatant disregard for consumer rights is unacceptable. 

Despite providing XXXX XXXX XXXX XXXX with formal notice of my decision to opt-out, the institution persists in violating the Fair Credit Reporting Act and the Privacy Act of 1974. This not only represents a fundamental breach of my privacy but also undermines the integrity of the regulatory framework established to safeguard consumers. 

I am urging the Consumer Financial Protection Bureau to conduct a thorough investigation into XXXX XXXX XXXX XXXX 's practices and take immediate action to rectify these flagrant violations. As a regulatory body empowered by 15 USC 3805, I expect the CFPB to enforce the laws designed to protect consumers like myself from such reprehensible conduct. 

XXXX XXXX XXXX XXXX must be held accountable for their actions, and I request that the CFPB intervenes swiftly to address these violations and ensure compliance with all pertinent federal statutes. 

I appreciate your prompt attention to this matter and look forward to a decisive resolution that upholds the rights and protections afforded to consumers.
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/2019, I called COMENITY BANK to put the card on hold due to temporary financial difficulties. I had to get an extension agreement. This letter did not arrive. Now my report shows a missed payment.
Consumer complaint received 2024-04-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have requested that these accounts to be removed as these are inaccurate reporting on my credit file. I spoke and discussed this already and they haven't made any progress at all. I want these accounts to be removed if not I will have to receive settlement for about {$1000.00} from these violations in terms of the FCRA
Consumer complaint received 2023-12-17
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. (FL)

Since XX/XX/XXXX, I've been trying to apply for apartments, and loans and getting denied. Unsure why, I went to check my credit reports from all three credit bureaus. Transunion said that my score was XXXX when it was really XXXX, XXXX claimed that my credit was 'young ' even though my oldest student dated from XXXX, and XXXX XXXX my name and old addresses and a social security number that isn't mine.
Consumer complaint received 2023-12-17
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. (OR)

This is not my account I do not owe XXXX XXXX XXXX and XXXX XXXX XXXX any money there is no contract between me and them stating that I owe this debt they need to produce proof of contract if proof of contract is not provided then delete this account immediately
Consumer complaint received 2023-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I have no knowledge of this account. At the time, I was moved due to protection battling a XXXX XXXX. I havent lived in XXXX XXXX in years due to XXXX assistance. Ive reached out multiple times to this company and theyve even XXXX my family and contacted them, after asking them not to. Im assuming they are a XXXX XXXX  that my closed account was sold to, and they reopened this year. The XXXX account is over XXXX years old. 

This is not accurate and fraudulent
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Velocity Portfolio Group (NC)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and North Carolina Laws Dear XXXX XXXXXXXX XXXX, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and North Carolina identity theft fraud laws, specifically North Carolina General Statutes Chapter 75, Article 2A, Sections 75-60 through 75-66. 

It has unequivocally come to my attention that XXXX XXXXXXXX XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, North Carolina state law emphasizes the necessity of consumer consent for credit reporting. North Carolina General Statutes Chapter 75, Article 2A, Sections 75-60 through 75-66, establish clear guidelines for the fair reporting of consumer credit information. These statutes underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for XXXX XXXXXXXX XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX XXXX  XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and North Carolina General Statutes Chapter 75, Article 2A. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and North Carolina state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX XXXX XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (MD)

On XXXX I attempted to make a purchase for gas on my AMEX platinum card and they declined the purchase even though the minimum account payment was met on the account, and I had available credit to use to purchase. On the same day they denied my food purchase on my Amex Gold account, and I also had available credit as well. Minimum payment was due XXXX. Before the XXXX I had made some payments on the gold card but was unable to meet the full minimum payment by the due date. They had previously approved purchases after the XXXX. I notified them on XXXX to let them know I was going to submit full payment on XXXX  XXXX and they stated that is when they will lift the hold on both card accounts. Unfortunately, I was not able to make the full payment because I have been going through a Hardship at this time. I notified them again on XXXX to let them know my situation and I asked for financial relief options. The representative said that there are NO financial relief options available to me. They said the program options are provided by the system and that there were none available to me. I was in a financial relief program before and paid accounts in full months early and I am ready to enroll in their financial relief program, and I am willing to make a payment to start which is part of their enrollment process. I just need assistance to get this process started and maintain my relationship with the creditor, but to say I dont have an option is not the answer or an option for me because I know that options are available to me, they just seem like they are not trying to be proactive and help.
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FULTON FINANCIAL CORPORATION (PA)

I deposit my check at Fulton drive-thru XXXX XXXX XXXX XXXX PA every week. Once, a while back, I deposited a check at Fulton drive-thru, told the employee I didn't need a receipt - then when I logged into my Fulton account it did not show the transaction like it always does, because Fulton employee knew that I didn't take my receipt. I sent Fulton a message asking if they had robbed me, and the employee decided to deposit my funds in my account after all. Today XX/XX/2023 at XXXX, I went to the same Fulton drive-thru, I believe it is the same the same Fulton employee who today took my checks and {$100.00} cash for which I asked for {$40.00} back - then gave me the receipt showing the deposit but not my cash! I asked her for my money and she went to get it. Since I can't see my previous messages on the Fulton website I don't know the exact date. But Fulton should check my old messages for the date of the old message to determine who was the cashier that day, and if it's the same one who tried to rip me off again today - FIRE HER AND FILE CRIMINAL CHARGES. Attached is a photo of the employee who tried to rip me off today. this is the second time that Fulton employee has tried to steal my money.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO Bank, N.A. (CA)

We received an invitation in the mail from XXXX to open a checking account. The invitation was addressed to our XXXX XXXX XXXX child. And it was addressed to our child 's nickname. 

This is seriously disturbing to me : how can a bank invite a XXXX XXXX XXXX to open an account, and how on earth do they know my child 's nickname?
Consumer complaint received 2023-09-01
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-14
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. (NV)

I have disputed these inquiries with XXXX, Experian, and XXXX. XXXX, Experian, and XXXX ignored my dispute I have attached my FTC Report to rectify this problem. This inquiries are unauthorized and I filed a complaint with FTC and the complaint is attached. Please do not ask me to send in verification as to whom I am to stall the process. I have created a paper trail via USPS certified mail sending XXXX, Experian, and XXXX the documents they asked for numerous times. The information is there and they need to adhere to this complaint immediately to avoid legal actions and punitive damages being filed.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

I have been trying to communicate with Citibank cbna for over a year, an unauthorized Transaction for XXXX was put on my card that I didnt ask to do, my limit was only XXXX, why would I charge that amount and its a secured card I purchased, after telling them this, they have reported to credit agency, information is wrong and my Im In titled to my privacy and if chargers was unauthorized, my personal account was hacked and fraud was done on it as well and also alerted citi bank by information was compromised and fraud was done and needed help, with personal Acct # XXXX and credit account # XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (AL)

I am writing to request that you immediately cease reporting any information to the credit bureaus regarding the alleged debt you claim I owe until you have fully verified the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). In addition to the above, I urge you to provide me with the original contract bearing my signature and that of the original creditor, as well as the bill of assignment. Please ensure that any accommodations granted are reflected in the original contract or bill of assignment. Furthermore, I demand that you provide me with evidence of the license to collect in Tennessee, if any insurance has been filed on this debt by the original creditor, and if a 1099-C has been filed. Finally, I urge you to provide errors and omissions insurance. I hope that you will be able to supply all the required information promptly. If you fail to comply with any of the above requests, I will consider taking legal action against you in future. The account status is showing Derogatory status on XXXX XXXX XXXX ; XXXX is showing Open status on my credit report. In addition, HOW IS THIS INFORMATION ACCURATE? The Monthly payment for XXXX is showing XX/XX/XXXX for XXXX ; For XXXX and XXXX it is showing monthly payment of XX/XX/XXXX. How is this an accurate account? XXXX XXXX XXXX is showing the High Credit as of {$35000.00}, however, XXXX is showing high credit as of {$35000.00}. ... XXXX is showing Past Due Balance of {$2200.00}. XXXX XXXX XXXX is showing past due balance {$35000.00}. The payment status for XXXX is showing " Late 90 Days ''. The payment status for XXXX and XXXX is showing " Collection/Chargeoff ''. Why the date last reported for XXXX is showing XX/XX/XXXX. The date last reported for XXXX is showing XX/XX/XXXX. The date last reported for XXXX is showing XX/XX/XXXX. The comment by your company states '' Charged Off Account '' which means you need to send me a 1099c form.
Consumer complaint received 2023-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I keep receiving phone calls from portfolio recovery assoc. For a debt that was written off from XXXX  XXXX and XXXX  XXXX XXXX  XXXX XXXX. Both companies write off the losses every year by XXXX of the XXXX t year. I have no indenture with portfolio recovery. The original debt was with XXXX  XXXX and XXXX XXXX XXXX. Need these removed from my credit report and the calls to stop before I litigate.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

Please consider this as my formal complaint to the GENESIS CREDIT MANAG for allowing the fraudulent account and for not taking corrections on my credit report. I have filed FTC report with the identity theft report number XXXX.They allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent account is still reflected on my credit report.
Consumer complaint received 2023-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (MA)

I have consistently been charged incorrect late payments despite having my bank fully set up. I tried multiple times to set up automatic payments with Shellpoint mortgage. I have even sent over an IT ticket when these did not go through due to system errors on their end. I did however receive confirmation that they were set up correctly via their website. While traveling internationally, I did not have access to my phone so could not log into their system when they emailed and said I had a late payment that needed to be completed ( despite setting up the automatic payments ). I called and tried to resolve the issue but was told they would not waive the late fee. I was told on the call I needed 6 months of clean payments to have automatic payments which I was never told before and which their website did not say. During the call, the supervisor cancelled my recurring payments which I have an email of and proves that they exist. I have now paid for {$500.00} worth of late payments and now am charged an additional {$200.00}. While working with multiple financial institutions this is by far the worst interaction I have ever had. I also frequently can not even log into their website which makes this issue even more difficult ( screenshot example included as I am submitting this ).
Consumer complaint received 2023-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MS)

After checking my credit report I noticed that I have a collection from a Company called LVNV Funding for the amount of {$1100.00} I have contacted LVNV via phone asking them to please send out Validations of this account not Verify them! This Company has now submitted a garnishment of my paycheck for 25 % .I have never sign a contract with this company.I have also asked for proof of my wet signature showing that i have signed a contract with them and i know for a fact that they can not provide this.I have also disputed these via credit bureau websites and they came back verified but still no validations and proof of my signature with these company. I also never received notice that I was being sued for the garshiment of my pay.