davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-16
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. (TX)

TransUnion has lost their minds, they are deliberately reducing my score, when I pay on my accounts they take off XXXX points, I have great paying on time history, jhad a score of XXXX 4 months ago, now they have keep going down and down for no good reason, other than to make me have to pay a higher interest rate, this needs to be investigated as fraudly activity
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WV)

I haven't been able to sign in to MyEquifax for a few months now. 
Every time I do try, I give them my information to reset my password. However, each time I try it tells me the request can not be completed at this time. 
I called to try to resolve the issue, they sent me a link and told me it was fixed. I'm still having the same problem. 
I can't access my account no matter how much help I try to get.
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: All State Credit Bureau, Inc. (MI)

Dear Sir/Madam, I am writing to file a formal complaint against Allstate Credit Bureau for their egregious violations of consumer financial protection laws. Despite numerous attempts to resolve the matter, Allstate Credit Bureau has continuously disregarded my rights and engaged in deceptive practices, as outlined below : 1. Failure to Provide Validation Information : Allstate Credit Bureau has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) before placing a collection on my consumer report. This lack of validation denies me the opportunity to assess the accuracy of the reported debt. 
XXXX. Denial of Dispute Rights : I have not been afforded the chance to dispute the account in question, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of dispute rights undermines my ability to rectify any potential inaccuracies or discrepancies.

3. Utilization of False, Misleading, and Deceptive Means : Allstate Credit Bureau has utilized false, misleading, and deceptive means in their collection efforts, violating my consumer rights. Such practices are in direct contradiction to established consumer financial protection laws. 
XXXX. Failure to Provide Required Disclosures : Allstate Credit Bureau has furnished the account to a consumer reporting agency without providing the necessary disclosures mandated by law, thus contravening 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

5. Request for Ceased Communication and Debt Validation : I dispute owing any debt to Allstate Credit Bureau and hereby revoke any rights for them to communicate with me via email, text, or phone calls. Additionally, I request immediate debt validation as per my rights under consumer financial protection laws. 
XXXX. Request for Purchase Agreement and Proof of Licensing : I also request documentation of the purchase agreement between Allstate Credit Bureau and the original creditor. Furthermore, I demand proof that Allstate Credit Bureau is licensed and bonded in the state of Michigan, as required by law. 
I expect prompt and thorough resolution of these matters in accordance with consumer financial protection laws. Failure to do so will result in further legal action to protect my rights as a consumer. 
Please acknowledge receipt of this complaint and provide a timeline for addressing these issues. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IL)

On XX/XX/XXXX I logged into my online checking account to pay some bills. I noticed that there were two transactions that I had not been aware of -- a transfer of {$5000.00} on XX/XX/XXXX and another {$5000.00} transfer on XX/XX/XXXX. It was about XXXX and the bank branch was closed so I immediately called online banking to report the transactions as fraudulent and that I had not requested them. I am always very cautious with my credentials and have never had anything like this happen before. I have called the U.S. Bank Fraud center Ph. XXXX numerous times waiting on the phone line for extended periods of time prior to being connected with a representative. I also went into the Branch at XXXX XXXX XXXX, XXXX XXXX, IL to expedite resolution and open a new checking account since the original on had been closed. On XX/XX/XXXX I received the two attached letters stating that the transitions were posted as requested and that my claim was denied. I called the Fraud center and they said that the claim filed on 8/4 used the wrong from and they refiled both claims on XX/XX/XXXX. The XXXX claim was filed by telephone and I had nothing to do with choosing the form nor did I see the claim. I called the fraud center again today as I do about every day and was told that the claims refiled on XX/XX/XXXX were both denied but I have received nothing from the bank. Additionally, when I was speaking with people about the issue the week of XXXX, I learned my email address for account alerts was XXXX not Comcast.net and because of this I had not received and alerts of account activity. I did not request this change. If the bank had acted on this issued immediately after reported the incident it on XXXX it seems to me that it should have been simple to recover the funds.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (CA)

Late payment on your credit report is a privacy violation. In accordance to fair credit reporting act, XXXX XXXX XXXX, has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (AZ)

My name is XXXX XXXX, I open an American express high yield savings account because they have good interest rate so I transfered my funds from XXXX XXXX XXXX  to them. Then I was doing backyard remodel and wanted to pay landacaping company in cash as they gave me good discount to pay in cash. So I tried to withdrew money from American express but they had a max of XXXX daily and I needed XXXX so I initiated a transfer from American express to XXXXXXXX XXXX XXXX as XXXX XXXX XXXX have no daily limit, and I got surprised that American express froze my savings account and then when I called to ask why they told me that my account got closed, and that the " back office '' is handling my account now for security and fraud and that all my funds got frozen in savings account. Then I asked to speak to supervisor then they transfered me to someone who didn't want to give me any info on why my account got closed, I asked ok close the account but what about my funds? He said have XXXX XXXX XXXX recall it, I said but the money at Amex, he said XXXX  can recall it. So I called XXXX and they said they can't recall it and that Amex should transfer money to them. I called Amex again and every time they make me feel I'm doing illegal activity with their tone of voice, for what reason? What did I do? I just withdrew money from my account for home remodel project. Whats fraud in that? I can't access my funds in savings and no one able to help me. Please help me get access to my savings account. I just need my money, they can transfer to my checking account or send me a check or send it to XXXX, or anyone from their side can call me to explain why they froze the account for what reason : ( ( ( ( ( (
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MD)

1. ) On XX/XX/2023, a fully endorsed and completed and signed Wells Fargo Bank ( XXXX ) check ( # XXXX ), was made out to XXXX XXXX XXXX and XXXX XXXX. XXXX, in the amount of {$280.00}, and was stolen out of my home mailbox in Maryland. 
2. ) On XX/XX/2023, the criminal presented stolen/ washed / altered WFB check # XXXX for deposit at an ATM at a XXXX XXXX  in XXXX Maryland. 
3. ) On XX/XX/2023, I received my WFB XXXX bank statement, which showed that stolen/ washed / altered WFB check # XXXX was deposited - at a XXXX XXXX  - made out to a criminal named XXXX XXXX, in the amount of {$14000.00}. 
4. ) On XX/XX/2023, WFB was notified @ XXXX - to report stolen/ washed/ altered WFB check # XXXX - is check fraud / forgery, and given ref. # XXXX. 
5. ) On XX/XX/2023, the check fraud / forgery of stolen/ washed/ altered WFB check {$2600.00} was reported in person at a WFB, with ref. # XXXX. WFB assured a complete / concise / accurate / competent review of the check fraud claim. 
6. ) On XX/XX/2023, the check fraud claim was DENIED AND CLOSED! 

I have completed : an online FBI/U.S. Postal Inspection Service report ; an in person WFB Affidavit Check Fraud form ; and in person interview and XXXX XXXX Maryland police report. The detective doing my interview, stated without question ( comparing WFB # XXXX - to other checks that I had written to pay my insurance premium ), that the stolen/ washed / altered check, is an obvious fraud / forgery. 

I have repeated : In person, to many WFB employees - that the stolen/ washed / altered WFB check # XXXX is a fraud / forgery ; via multiple emails, fax, and telephone conversations that stolen/ washed / altered WFB check # XXXX is a fraud / forgery. My local WFB branch associate, like the police detective, stated that the stolen/ washed/ altered check was an obvious fraud / forgery. 

I am a 40 year WFB customer in excellent standing, with three separate accounts. and my COMPLAINT is this : 1. ) WFB ( the Claims Assistance Center ) refuses to acknowledge that WFB stolen/ washed / check # XXXX is a fraud / forgery ; 2. ) XXXX XXXX  has deemed WFB check # XXXX is a fraud / forgery, and has not released the {$14000.00}, but Wells Fargo Bank has NOT DETERMINED stolen/ washed / altered check # XXXX is a fraud / forgery ; XXXX. ) Wells Fargo Bank refuses to request the {$14000.00} back from XXXX XXXX- so now my WFB district manager, has taken the conflict / review to " an executive " level - in order to get the {$14000.00} back ; 4. ) How is this happening?

5. ) Why?
Consumer complaint received 2023-12-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TOYOTA MOTOR CREDIT CORPORATION (MS)

Beginning XX/XX/XXXX, XXXX XXXX XXXX engaged in a scheme securitization scheme. XXXX XXXX XXXX sold and transfer contract to Toyota Motor Credit Corporation, then sells the account to XXXX XXXX XXXX XXXX XXXX, who created the holding/issuing entity XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owner Trust securitizes and transfers the securities certificates back to XXXX XXXX XXXX XXXX XXXX XXXX who then sells the security certificates to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX then sells the certificates to investors while simultaneously collecting offering from investors. After the offering proceeds are collected by XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, aforesaid proceeds are then transferred to Toyota Motor Credit Corporation then transfers the funds the the trustee, XXXX XXXX XXXX XXXX. 

Complaint Includes : Auto loan securitization and debt collection scheme Unjust Enrichment Violation of the Fair Credit Extension Uniformity Act Violation of Fair Debt Collection Practices Act Intentional and Negligent Infliction of Emotional Distress Racketeer Influenced and Corrupt Organizations Mail Fraud Request for Relief Complaint and requested documents were sent via Certified Mail to XXXX XXXX, XXXX XXXX on or about XX/XX/XXXX. 
Pursuant the Freedom Act Audit Trail Calculation of Balance Accounting Records ( Private and Public ) Accounting request regarding list of collateral or statement of fact Notice of Billing Error Cease $ Desist Notice Requested documents have not been received as of XX/XX/XXXX. 

Federal Lawsuit was filed containing all defendants on XX/XX/XXXX.
Consumer complaint received 2023-08-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Movement Mortgage LLC (NC)

I purchased my home mid year XXXX. Due to a company error, they did not update my taxes or insurance amounts to accurately recalculate my monthly payments since XXXX. They have since stated that once an audit was completed in XX/XX/XXXX, my monthly payments would increase to retroactively pay back the increased taxes and homeowners insurance since XXXX. They have not informed me of any increases until XX/XX/XXXX which would have taken effect XX/XX/XXXX. Due to their known error and lack of the 45 day acknowledgement period, they had to rescind the XX/XX/XXXX bill and revert it back to the normal monthly amount. Because I have not been notified of any increases and they did not do their due diligence of informing me of any payment increases or increasing my payments, they are now stating that my escrow account is over $ XXXX short. This is absurd! My statements have been the same amount and have been paid accordingly. No recalculations were completed nor was I notified accurately or in a timely manner and now I owe this obscene amount due to a company error?? For over 1.5 years?? Absolutely not. This is not ok! I am fine with paying the increase as of the date that I am informed going forward but I will not backpay for things that were not updated accurately nor was I notified for fairly. This is not good business at all! Movement Mortgage will never get my business again and I will be sure to spread the word very swiftly!
Consumer complaint received 2023-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (WI)

I established an account with Venmo in XXXX, 2023. Shortly thereafter, a friend transferred {$250.00} USD into the account. Since establishing the account I have been blocked from adding a bank account or otherwise transfer the {$250.00} out of the account. I have made multiple requests to Venmo customer service for support and have provided images of my Wisconsin Drivers License as well as a copy of my bank statement in response to requests from Venmo. To date I am still unable to access the funds. Venmo has not provided any explanation for why the account was initially frozen, and now suspended, nor have they allowed me to access the money that was transferred into the account.
Consumer complaint received 2023-08-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (IN)

We terminated our service with XXXX and anticipated a final itemized bill. XXXX never provided an itemized bill, only a total amount that we owed. I spent countless hours on the phone with XXXX in an attempt to get them to provide us with an itemized final bill. They refused and threatened to turn us over to collections. 

On XX/XX/XXXX I was contacted via telephone by a representative of Sequium Asset Solutions , LLC ( A debt collection company owned by XXXX ). Her name was XXXX XXXX and that phone call took place at approximately XXXX XXXX XXXX I politely informed XXXX that I was aware of my rights under the Fair Debt collection Practices Act. I then requested that any and all future communications take place in the form of letter mail exclusively. 

Shortly thereafter, we received an official letter from Sequium Asset Solutions , LLC informing us that they were now responsible for collecting the debt. In response to this letter I crafted a letter requesting debt validation and mailed it promptly. 

In our letter we requested all the pertinent information needed for us to adequately determine whether the debt they said we owed is valid. We informed them that If their offices fail to respond to this validation request within 30 days from the date of receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

We never received a response to this letter. 

XXXX XX/XX/XXXX - XXXX sent a pair of Senior Business Account Executives to our business to try to discuss this debt with us. I politely informed them that their method of contacting us could be a violation of federal law and that any and all communication should be done via letter mail as originally requested. 

This improper action by XXXX and their Senior Business Account Executives is the reason for my report today. Based on my understanding of the Law this action on their part may have violated my rights.
Consumer complaint received 2023-11-15
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: SYNCHRONY FINANCIAL (TX)

Synchrony Bank ( DBA - Paypal Mastercard ), Has failed multiple times to resolve my dispute and acted biased to force a charge on me for the services that were not as promised by the merchant. They also have failed to provide me with any documentation or are willing to fight the dispute given the documentation I provided. I am yet to receive any documentation on how they are determining the dispute in the merchant 's favor. The bank also never sent me any forms that I can sign as I am still going to fight this dispute and I am not going to pay for the services that were not as promised. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Problem with the charge : On XX/XX/2023, I booked a rental property located at XXXX XXXX XXXX XXXX XXXX, TX XXXX through XXXX with reservation # XXXX for 4 nights ( XX/XX/XXXX XX/XX/2023 ). 

When we arrived at the property, soon after we realized the property was not in good condition there were prior damages toilets were clogged and overflowing, air conditioning system was not working on XXXX which was unacceptable. this was not it there were also issues with the cleaning and their dishwasher leaked in all over the kitchen. The were multiple bugs and mosquitos we saw in the bathroom and bedrooms. Cleaning was not performed and their laundry washer and dryer were in a disgusting condition that can not even be described in words. Given we were traveling with a newborn we could not risk staying with these circumstances. 

Starting the XX/XX/XXXX, the evening we were supposed to check in I tried to reach out to the property manager 's contact, since there was no physical office or helpdesk, I called the phone they provided and no one ever answered the call or acknowledged the voicemails I left. When I didnt get any response from them, we decided to spend the night at our friends house. 

The next morning XX/XX/XXXX when I went to see if they fixed anything, nothing was fixed other than they cleaned the water leaked from the dishwasher. That means someone was there to look at the issues but they did not reach out to me or resolve the essential/critical issues such as toilet/air-conditioning/bugs etc. 

This ruined our whole vacation and given the situation, there was no way anyone could stay in the property. After allowing ample amount of time in good faith to resolve this issue when things were still the same, I requested them to cancel or arrange another location for our stays however once again they did not reach out for any assistance or offered any help. As we left the property around XXXX XXXX on XX/XX/XXXX, I never heard any response back from the merchant regarding the cancellation or refund and they didnt answer the phone calls or my email when I tried to follow up on the refund.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion continues to report incorrect information on my credit report. They have XXXX XXXX  last payment as XX/XX/XXXX XXXX also reporting the account was closed XX/XX/XXXX XXXX how can the last payment be XXXX months after the account was closed. they also have the payment status as collections/charge off but the account status also shows derogatory. If the account was closed it should report that on all status 's. also this account shows it was never 30/60/90 days late. There are several inaccuracies I have disputed and demanded this account be removed from my Transunion account but they refuse to comply. This is a violation of my rights.