davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (TX)

On XX/XX/XXXX I spoke with XXXX XXXX XXXX XXXX XXXX about account number XXXX of the following address : XXXX XXXX XXXX XXXX XXXX XXXX 
because when checking my Credit Report I noticed that IQ Data was reporting that I owed them {$9500.00}! I did not recognize this name and was 100 % sure that I'd never " SIGNED '' any Contractual agreement with IQ DATA XXXX XXXX XXXX ever. 

I was Informed that they're representing XXXX also known as XXXX. 

1. I was never afforded any opt out notifications via XXXX as is required by the Privacy Act before a Company share my Personal Information with any Third Party! ( see attachments XXXX XXXX XX/XX/XXXX ), where IQ Data pulled my Credit Report with-out my WRITTEN EXPRESSED PERMISSION! If IQ DATA claim otherwise I DEMAND them to Furnish proof of WET SIGNATURE! This is a clear violation of the Privacy Act and my Rights to Privacy! 

2. In Accordance to CFPB 12 CFR PART SEC 1006,34 NOTICE FOR VALIDATION OF DEBT ( SEE ATTACHMENT RULES HIGHLIGHTED ) WERE VIOLATED IN WHOLE AND OR PART BECAUSE THESE DOCUMENTS WERE NEVER FURNISHED.

THE REQUEST WAS MADE VIA RECORDED PHONE CALL ( SEE HIGHLIGHTED TRANSCRIPTS SHOWING SPEAKER 1 WHOM IS AN " IQ DATA INTERNATIONAL REPRESENTATIVE STATEMENT ).

( a ) Documents were never furnished with-in 5 days nor have they been furnished at the current date of making this report.

( b ) when trying to get a clear and conspicuous understanding because it's hard for me to understand stressful situation because I've had a XXXX and XXXX XXXX XXXX I was met with Sarcasm and told : Quote " IT'S JUST A WASTE OF TIME '' by this representative which is In Violation of the CFPB Rules and guidelines. 

I Have Never Had any Dealings and or Contract with this entity whom has stolen my Identity illegally abused their privilege to run Credit checks on any consumer without fear of Accountability and Demean Consumers by telling them : " It's just a waste of they time '' when the consumers Reputation, Way of Living, Mental Health and Psychological health is being affected!
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Experian XXXX and XXXX are reporting charges offs on my credit report with balances, according to US Code Laws that is a violation of my rights and is against the law. All charge offs by law must report XXXX balances since the debt was sold to a collection agency. 

Account name XXXX Account XXXX XXXX Balance {$140.00} Account name XXXX XXXX XXXX  Account number XXXX Balance {$55.00} Account name XXXX XXXX XXXX Account number XXXX Balance {$65.00} Account name XXXX XXXX XXXX Account number XXXX Balance {$160.00}
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Subject : Request for Reopening My Customized XXXX XXXX XXXX XXXX XXXX  XXXX Account I hope this message finds you well. I recently discovered that my Customized XXXX XXXX XXXX XXXX - XXXX account was closed by Bank of America on XX/XX/XXXX. After reviewing the situation, I believe the closure may be linked to a series of events that started when Bank of America initiated an unauthorized payment of - {$24000.00} on XX/XX/XXXX on my travel reward card, without my consent or any pending payment obligation. 

Upon noticing this unauthorized transaction, I promptly contacted my bank, XXXX, and requested them to halt the payment. Regrettably, in the process, XXXX also implemented a stop payment on all future transactions, unbeknownst to me. Consequently, when I used XXXX Bill Pay to settle my dues with Bank of America, some of the subsequent payments were returned, leading to a misunderstanding. 

I want to clarify that I have since settled all outstanding balances with Bank of America. It was not my intention to cause any disruption, and I sincerely apologize for any inconvenience this may have caused. I have been a loyal customer since XXXX, and my other accounts with Bank of America have consistently maintained good standing. 

Considering my longstanding relationship with Bank of America and the unintentional nature of these events, I kindly request the reopening of my Customized XXXX XXXX XXXX XXXX - XXXX account. I assure you that such issues will not recur, and I am committed to maintaining a positive and timely payment history. 

Thank you for your attention to this matter, and I appreciate your understanding. 

Sincerely, XXXX
Consumer complaint received 2023-11-19
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. (NC)

The following accounts are violating my consumer rights. Pursuant to 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The following accounts are opened ended credit plans and shall be updated the to show as 100 % paid on time 1. XXXX XXXX  Account XXXX : XXXX 2. XXXX XXXX  Account XXXX : XXXX 3. XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and I've been receiving letters stating I'm using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-01-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (PA)

" XXXX THE XXXX REP '' Hello, I'm XXXX, a loyal Wells Fargo customer since 2017. I recently had an unfortunate experience when I called XXXX and spoke with XXXX, employee # XXXX. Right from the start, XXXX 's tone was negative, and he didn't greet me with his name, which is different from the usual Wells Fargo representatives. His behavior was rude, unprofessional, and he spoke over me, even raising his voice. I felt attacked, confused, and small after our conversation. 

The experience was so distressing that I had to take XXXX XXXX  afterward. I even reached out to my XXXX  colleagues to ask if such behavior is typical in their interactions. As a woman of XXXX, I felt degraded. 

I believe XXXX 's conduct goes against the principles of respect outlined in the FCRA act. I was calling to resolve a debt, but after this encounter, I am reconsidering my association with Wells Fargo. I won't be making any more payments to the bank and will share my experience on social media to bring attention to how poorly XXXX treated me. I'm particularly concerned about the possibility that others, especially people of XXXX, might be treated similarly. 

I find it disheartening that such a situation occurred, and I recommend everyone to consider alternative banking options, such as XXXX XXXX XXXX had never encountered anything like this before. When I informed XXXX that I was recording the conversation, he stated he didn't care, so I believe I have the right to share it with my XXXX followers on XXXX and XXXX on XXXX. This incident may gain attention, and it's essential for Wells Fargo to address it promptly.
Consumer complaint received 2023-11-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/2023, I saw information on my Chase app that they locked my account due to suspicion. I then called Chase several times, and they said that they could not tell me the specific reason, and they forcibly closed my account and made me wait for review. But as of today, XX/XX/XXXX, I still haven't received my money. The customer service had nothing but gibberish, and they couldn't tell me why and keep me waiting
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-01-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (DE)

I paid off credit acceptance in XXXX of XXXX, the car was repossessed in XXXX. I checked my credit report and it now shows that my account is paid in full but they reported a new repossession as of XX/XX/XXXX.
Consumer complaint received 2023-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation (GA)

World Finance Corporation XXXX XXXX XXXX has violated my rights to privacy as stated in 15 U.S.C 1681 section 602 A. States I have the right to privacy. Please provide the letter that I wrote giving you permission to furnish my account information as stated in 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information I am now opting out of any and all authorization I the consumer may have given you written unwritten, verbal and nonverbal per 15 usc 6802.

I Opt out with 15 usc 6802, 15 usc 6805 and the privacy act of 1974 and 16 cfr 313.7 I SENT THE COMPANY A CEASE AND DESIST
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: V and H Portfolio (IL)

I recently paid off collection account to Vance and Huffman LLC. They agreed to have account deleted in exchange for payment. The collections account still remains on my XXXX  credit report. XXXX has updated the account on their report and has deleted it as it should have been done. XXXX only updated the collection account as paid instead of removing the account. This is not the first time but is among many times that XXXX  fails to properly update my credit report accordingly. I have this same account deleted from my XXXX report so I dont know why XXXX cant do the same and never reports my accounts accordingly and I have to contact them to resolve discrepancies. If one n or has deleted the account and can make changes in a timely manner.
Consumer complaint received 2024-01-12
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. (NM)

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 2024-01-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XXXX, XXXX, USAA Bank froze my checking account ( ending in XXXX ) for an unnecessary 2-3 day fraud review, but USAA did not provide me with any notification that my account had been frozen to allow me the opportunity to make alternative arrangements for auto payments and other transactions. On the same day ( XXXX XXXX, XXXX  ), a pre-authorized auto-payment of {$1200.00} was attempted by XXXX XXXX , and was subsequently rejected and returned due to frozen account status, resulting in over {$65.00} in late fees and interest charges. USAA would not reimburse me for any charges that resulted from their undisclosed and unnecessary account freeze and fraud review.
Consumer complaint received 2024-01-11
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (TX)

Pursuant to 15 U.S. Code 1692i ( b ) - Legal actions by debt collectors ; ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. They are attempting to violate my constitutionally guaranteed rights by depriving me of my property. My property is exempt by law from dispossession or disablement. As one of the People ( as seen in the Texas Bill of Rights Article 1 Section 2 Texas Constitution ) I have a right to be secure in my person, houses, papers and possessions from all unreasonable seizures or searches ( Article 1 Section 9 Texas Constitution/ Bill of rights ) No citizen of this State shall be deprived of life, liberty, property, privileges or immunities, or in any manner disfranchised, except by the due course of the law of the land. ( Article 1 Section 19 Texas Constitution/ Bill of rights ) To guard against transgressions of the high powers herein delegated, we declare that every thing in this " Bill of Rights '' is excepted out of the general powers of government, and shall forever remain inviolate, and all laws contrary thereto, or to the following provisions, shall be void. ( Article 1 Section 29 Texas Constitution/ Bill of rights ). Whatever statute or code NATIONSTAR is attempting to use to deprive me of my right to property is repugnant to the constitution and void.
Consumer complaint received 2017-04-06
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/2016 Paypal limited my account due to activity changing. I uploaded requested information, and they reviewed it. Upon calling customer service, they have been unable to give a valid factual definition of why account was limited, or describe any type of activity that increased risk. Upon review they requested further information which I have provided through multiple means. I have emailed, uploaded, emailed, and uploaded multiple times. Paypal continues to spin in circles and hold my money, not allowing me to access it without any logical reason. 

At this point, Paypal has denied me access to my funds of {$4400.00} since XX/XX/XXXX. I have recently been emailing, and calling daily with no resolution. Paypal is continuing to withhold customers money for arbitrary means, similar to a recent class action settlement. They provide no relief, do not respond to emails, upload submissions, or provide any resolutions. They are wrongfully withholding valid funds, in order to use the funds and profit off of them.
Consumer complaint received 2024-04-07
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 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.
Consumer complaint received 2024-01-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I been advised to give EQUIFAX 1 last final chance to cure. We have been dealing with this since XXXX. I want to be clear. I do not want a statement stating we still working on it and I do not want this is a duplicate. I have not received the original wet signature contract between Me and XXXX stating I will pay alleged debt, or Me given consent. I have to continue asking for the same thing over and over. The federal laws are clear. I been patient while I been given the run around. I do not care about what payments XXXX stolen from someone I want the original wet signature contract and the items I put below. So I will resend the last complaint one last and final time. I will have the CFPB send this to the FTC. Below is the same complaint : My rights as a federal protected consumer has been VIOLATED! FCRA 609 AND 605 as well as FCRA sec 623. On top of that also 15 USC 1681a ( 2 ) ( I ) and 15 USC 6802 and 15 USC 1692g. It doesn't end there. I have requested EQUIFAX to provide original wet signature contract between Me and XXXX, also me given written instruction to furnish ANYTHING on my consumer report, which I never did and thats identity theft. Also EQUIFAX have late payments which VIOLATES my federal protected rights again 15 USC 1666b. I also requested proof of license to collect a debt in florida and that was not presented by EQUIFAX or XXXX XXXX XXXX, but yet EQUIFAX continues to furnish item on my consumer report. I DEMAND IMMEDIATE PERMANENT DELETION!!! IF NOT CFPB WILL HELP WITH LITIGATION AND REPORTING THIS TO THE FTC!!! XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-01-12
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

I recieved a letter from Wells Fargo saying I was enrolled in a credit defense program and I may not have authorized it. I called the number saying that Id never sign up for anything like that and they offered a refund of the amount I had paid each month and asked if that was ok. I responded saying Im not sure because it was so long ago and wasnt sure exactly what the impact was. They immediately offered a higher number of {$250.00} which I agreed to. They told me Id receive the check in the mail within 30 days and if I didnt to call the number back. That was XX/XX/XXXX. I called last week because I had not recieved anything and they told me it should be in within the week, if not call back. I called today and they told me it has not been processed and when I asked how long they said they didnt know, nor could they give me a time frame in which to follow up again. They told me Id have that money by today and now I cant even plan a later date because they cant give it to me. Since this was promised by a bank I thought Id be able to trust it and now its set me back on my finances.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Since XXXX, Capital One has been preventing me from transferring my points from my XXXX XXXX credit points to airline partners. Whenever I try and transfer points, I am blocked by a two factor authentication which does not work - this is not required to access any other elements of the online banking site. 
I have spent hours on the phone to capital one trying to resolve this issue and have got nowhere - there is no option to resolve the issue over the phone. From online forums, it appears I am not alone in these issues. I pay a large annual fee for this card ( {$390.00} ) and to not get the most significant benefit of it is a complete scam. I urge CFPB to look into this issue at the earliest possible moment.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC (PA)

I am not liable for any of th accounts listed I do not have contracts with these companies and they did not provide me with original contracts as I requested I reported them as fraud it is way over 30 days since last contacting them below are the companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Monterey Financial Services LLC (TX)

My contract has ended with this loan company Monterey financial services XXXX XXXX but they state that I owe them money when I don't as I explisitly asked them for any missing payments and to get caught back up in XXXX of 2023 in which they gave me an amount of XXXX which I paid and then proceeded to make my normal monthly payments now they are stating I still owe them money. They have transferred my loan several times failed to keep accurate billing of my account and asking me to provide them statements showing that I paid my bill on time after my loan being transferred back to them for my loan servicing. They are in violation of multiple federal and state laws. Furthermore, I asked them to stop contacting me and they are still contacting me. I also asked them to close this account and mark it as paid in full in which they failed to do so as required by law since my contract ended with them. Furthermore, they are posting in accurate information on my credit reports stating I had late payments with out notifying me and asking my permission to post said information on my credit reports. Also all the information they are posting is false as I have the documentation to prove it. They are in violation of US consumer law and FCRA and TDCA and continue to harrass me about this alleged debt as of today via email when I explictly asked them to not contact me anymore about this debt and mark it paid in full and pay me damages which they failed to do so.