davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

At the beginning of XXXX  I did not receive my monthly statement from XXXX XXXXXXXX XXXX XXXX. I called but was told to wait, that it was probably delayed in the post-XXXX backup at the Postal Service, etc. It still did not come. I complained again. Eventually I was given the balance information and we agreed that I would send payment right away AND that any fees or late charges would be reversed. I paid. My account was corrected. However, XXXX XXXX XXXX XXXX still reported me as late on payment the month of XX/XX/. For all the years before - and - the time since - I was NEVER LATE. The bank refuses to delete the XXXX month of late payment to credit reporting agencies. This is both very poor customer relations and is offensive to the public because the bank failed to mail me my statement. The problem was caused by XXXX XXXX XXXX XXXXXXXX 's own operations, NOT BY ME! I voluntarily contact the bank multiple times, but it still did not send the statement. I ACTED IN GOOD FAITH by paying without a statement to verify charges. XXXX XXXX XXXX XXXX XXXX HAS ACTED IN BAD FAITH throughout.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

I have been reporting since XXXX that XXXX XXXX account status is inaccurate and is a violation of the Fair Credit Reporting Act. After several disputes, calls made to Equifax and letters written to XXXX XXXX to force Equifax to update and change the Account Status from CLOSED to OPEN, Equifax still refuses to update and or correct the account status.
Consumer complaint received 2024-02-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I never borrowed any money from a company named NAVIENT. They seemed to have bought my loans from another company that I signed contracts with called XXXX. 
I read something about them needing to send some kind of letter in the last 3 years and neither me or my co-signer ever received any such kind of things.
Consumer complaint received 2024-03-11
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PDQ Services, Inc. (GA)

PDQ called my mother. Asked was she XXXX XXXX XXXX XXXX XXXX XXXX  without verifying if she was my Wife or other relative and proceeded to tell my Mother how much I owed and why they were calling. I am not a XXXX My mother had no idea I had debt. Why was this done? Will send a stop communication unless via letter directly addressed to me and only discussed with me today.
Consumer complaint received 2024-03-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Bliksum, LLC (CA)

i have been paying on this ( Loan me ) loan for the last 5 years and I've requested to have my rate lowered as I've never been late.. They are refusing!! and this is not the 1st time I've requested them to lower my rate.. I called XXXX times last week and no one returns my calls. 

The rate of interest is currently at XXXX % which is way too high being that I always pay my min payment due. There no way to get this paid off with the interest rate so high... 

Now XXXX XXXX, stated in the State of the XXXX, he'd be pushing forward to lower interest rates on these types of loans A.S.A.P. 

Please help me get this rate dropped so I can pay it off sooner... Please contact me about this matter. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2024-01-08
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. (CA)

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
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (TX)

It was XX/XX/XXXX when I wake up and looked in my account. Next thing I notice I heard ding ding Realized it was a fraud transaction so I immediately call Venmo. To stop them but they told me they cant do anything until its completed. I had XXXX now only XXXX. Bc of the fraud transaction. Put in a dispute now denied.. 
let them know it 18 transactions .. they decided to refund 12 transactions out of 6 transactions. Just trying to get my funding back in full. Now the last 6 transactions they owe me is still denied. 

Venmo debit card fraud transaction
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I am filing this complaint with the Consumer Financial Protection Bureau regarding the unresolved I have encountered with the Wells Fargo executive office. Despite multiple attempts to address my concerns, I have not a satisfactory resolution. 

On XX/XX/XXXX, I reported a missing cash deposit of {$17000.00}. Regrettably, the deposit was inaccurately recorded as a {$15000.00} cash withdrawal. My claim was unjustly denied on the grounds that it was filed outside the required timeframe, despite my prompt submission and diligent follow-ups. 

The total sum in question amounts to {$32000.00}, encompassing the missing {$17000.00} deposit and the unauthorized {$15000.00} withdrawal. I have diligently reported these discrepancies on the following occasions : XXXX. XX/XX/XXXX - Claim number XXXX XXXX. XX/XX/XXXX - Claim number XXXX XXXX. XX/XX/XXXX - Claim number XXXX XXXX. XX/XX/XXXX - Claim number XXXX XXXX. XX/XX/XXXX- XX/XX/XXXX - Case numbers XXXX, XXXX, XXXX XXXX. XX/XX/XXXX - XX/XX/XXXX - Executive Office Claim # XXXX In addition to the above, I made an effort to forward a video attachment of the {$17000.00} deposit to the Wells Fargo executive office via email to substantiate my claims. 

Notably, I observed discrepancies in the documentation provided, including inconsistencies in my signature and name abbreviation. Moreover, the handwriting on the withdrawal slip does not match mine. 

Despite my persistent efforts, I have yet to receive proper restitution for the mishandling of my funds. It is evident that Wells Fargo has failed to comply with necessary banking regulations in addressing my claims effectively. 

Furthermore, a separate fraud claim related to unauthorized charges on my bank account remains unresolved. I am uncertain about the adequacy of the training and investigation conducted by Wells Fargo. It is imperative that they rectify these errors promptly, as they have had a profound impact on my financial well-being. 

I intend to address these concerns in a forthcoming correspondence to ensure that all discrepancies are appropriately addressed. I seek the intervention of the CFPB to facilitate a swift and fair resolution to this matter. Your prompt attention to this issue is greatly appreciated. 

I am currently drafting a separate communication to address the outstanding charges and seek urgent intervention to rectify these errors, which have significantly affected my financial well-being. 


The lack of progress in resolving these issues has caused undue stress and financial strain. Urgent intervention is necessary to ensure that Wells Fargo adheres to proper investigative procedures and rectifies these mistakes promptly.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: AMALGAMATED TOKEN SERVICES, INC. ()

Dear Consumer Financial Protection Bureau, I am reaching out to seek your guidance and assistance regarding a dispute I have with CoinList, a cryptocurrency exchange platform licensed and operating in the United States. As a resident of XXXX, I find myself in a challenging situation due to the international nature of this issue. 

On XX/XX/XXXX, I attempted to withdraw a sum of XXXX XXXX from my CoinList account ( XXXX ) to my personal wallet ( address : XXXX ). Despite waiting beyond the typical processing timeframe, the transaction has not been completed, nor have the funds been returned to my CoinList account. My efforts to resolve this matter through CoinLists customer support have been unsuccessful, as I have not received any response to my inquiries. 

Given that CoinList operates internationally and is subject to regulations in multiple jurisdictions, including those where they are licensed to do business, I am seeking advice on how to proceed with filing a complaint from outside the United States. The Washington State Department of Financial Institutions directed me to your agency for potential guidance or resources available for international consumers facing disputes with financial entities licensed in the United States. 

Could you please advise on the following matters : Is there a mechanism through which an international consumer can file a complaint against a US-based financial entity like CoinList? 
Are there specific steps or procedures that I should follow to escalate my complaint given my non-resident status? 
Do you offer any resources or support for consumers in my situation to help navigate the complexities of international financial disputes? 
Any assistance or information you could provide would be greatly appreciated, as I am currently at a loss for how to reclaim my funds or engage effectively with CoinList to resolve this dispute. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called TransUnion at ( XXXX ) XXXX on Tuesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had to call XXXX ( XXXX ) times consecutively because each time I called I heard a long moment of silence and the dispute agent stopped talking. I kept saying hello are you there? Agent Im unable to hear you. Hello TransUnion? And there was no response. All three ( XXXX ) calls were routed to the XXXX call center. I only have this problem when I get the XXXX. I believe this is done on purpose and is known as call avoidance. I dont have this problem with XXXX XXXX XXXX XXXX XXXX It gets worse, I called TransUnion again on Wednesday, XX/XX/2024, at XXXX XXXX XXXXXXXX and the same thing happened again. It was also the XXXX again. XXXX phone calls disconnected all occurring out of XXXX is no longer a coincidence, it is now a pattern and practice. This is inappropriate and unacceptable. I have the phone calls recorded as evidence, including screenshots of the timestamps.
Consumer complaint received 2023-11-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (PA)

have no supplied proof under the doctrine of the estoppel by silence, Engelhart v. Gravens, ( MO ) 281 SW 715,719, I pressume that no proof of the alleged debt, nor therefore, any such debt, in the fact therefore exist XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Peritus Portfolio Services II, LLC (DC)

XX/XX/2024 I received my first call from Peritus asking me to give them a call which I did and was told in four months I owe them {$2000.00} and if I dont make half a payment today my car will be repossessed. I let the woman know of the modification paperwork I received on XX/XX/2024 and under current balance it says 20 % of the principle amount {$22000.00} is {$250.00} and under new term it says nothing but the principle amount. I was told to sign this within 14 days but XXXX it was nothing to sign because it was nothing under new term and secondly that principle amount wasnt right so me and the woman at that time were going back and forth shes telling me well thats what my company provided to them before they went bankrupt and I showed her what was posted on my credit report and that they havent updated none of my payments to my credit report and I sent her proof of all my payments at that time and asked her was I being over charged because in the modification it says {$250.00} current term the woman wouldnt give me a yes or no answer and after that day I never heard from her again not even by email. So I never signed because it was nothing under new term and what if I wouldve agreed and they put any numbers they wanted all they needed was my signature plus I didnt agree with the principal amount. So on XX/XX/XXXX the woman is telling me I shouldve just signed and that I shouldve been called them like I did in XXXX to get the payment information to make payments. Because they never sent out any paperwork introducing themselves or anything about an outstanding balance the only thing my company sent by email is who they was this is who we make payments to and that we wont have the same account numbers once everything has changed over to them theyll make us aware which they never did. I recorded my conversation on XX/XX/XXXX. I never received an account or loan number.
Consumer complaint received 2023-12-05
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. (AZ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (FL)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Incorrect Late Payment on XXXX Credit Report To Whom It May Concern, I am writing to formally dispute an incorrect late payment entry on my XXXX credit report related to an account with Barclays Bank Delaware XXXX The account details are as follows : Creditor Name : Barclays Bank Delaware Current Status : On-time Issue : XXXX Missed Payment As an authorized user on this account, I am not responsible for any late or missed payments. The presence of this late payment on my credit report is inaccurate and has negatively impacted my credit score. 

I have already contacted XXXX to dispute this entry but have not received a satisfactory response. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that this late payment entry is removed from my XXXX credit report. 

As a fair resolution to this issue, I am requesting the following actions : Immediate Removal of the Incorrect Late Payment : The immediate removal of the late payment entry from my XXXX credit report. 
Verification of Authorized User Status : Confirmation that, as an authorized user, I am not responsible for the payment history of the account. 
Notification of Changes : Written confirmation once the late payment entry has been removed from my credit report. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (NY)

Am loyal Lowes Advantage Card member since XXXX. Received email from Synchrony bank ( which handles the XXXX accounts ) that my account was immediately closed ... ... .reasons given were items on credit report including XXXX items dealing with an on going dispute with my mortgage company XXXX XXXX ... in the past 12 years at least have never gone over 50 % of what credit limit is and is ALWAYS at {$0.00} by this time of the year as it was when I was closed!!! If because of my credit report were going to reduce my limit I would not have a problem with that but NEVER gave me the option or any warning this occured!!!
Consumer complaint received 2023-05-15
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)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-15
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. (FL)

My complaint cites serious violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974 committed by XXXX XXXX XXXX XXXX. These violations have resulted in significant harm to my privacy and have impacted my consumer rights. I hereby request a remedy in accordance with 15 USC 1681n for the damages incurred.

The specific violations are as follows : 1. Violations of 15 USC 6802-6805 and the Privacy Act of 1974 : Unauthorized Sharing of Personal Information. 

XXXX XXXX XXXX XXXX has unlawfully shared my personal information without my consent or any legal basis, thereby violating my rights under 15 USC 6802-6805, Privacy Act of 1974 as well as their very own Privacy Notice which is attached to this complaint. This unauthorized sharing of my personal information has resulted in a breach of my privacy and caused me distress and concern. I demand that XXXX XXXX XXXX XXXX immediately cease any further sharing of my personal information and to take appropriate measures to prevent such unauthorized disclosures in the future.

2. Violation of 15 USC 1681A ( 2 ) ( 1 ) : Improper Disclosure of Experiences and Transactions. 

In addition to the aforementioned violations, I have discovered that XXXX XXXX XXXX XXXX has improperly shared my experiences and transactions on five separate occasions during the period of XXXX to XXXX, XXXX, and Transunion. This disclosure of sensitive personal information without my consent is a clear violation of 15 USC 1681A ( 2 ) ( 1 ). I request that XXXX XXXX XXXX XXXX take immediate action to rectify this violation and ensure that my experiences and transactions are not further disclosed without lawful justification.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-04-25
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)

I received a credit alert on my TransUnion credit report today XX/XX/2024 for a hard inquiry which i did not request or authorized. this inquiry has demand and impacted my credit score. please kindly remove this inquiry .In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and .I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed removed from my credit file.