davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-25
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. (NY)

Re : XXXX XXXX XXXX  XXXX Opened - XX/XX/2017 I was a cosigner for my father on the above-referenced account he used the vehicle, and he made all the payments on it, and we returned it. 
For some reason, the odometer and damage disclosure statement was never filed. This was a mistake by the dealer. After working on this for a while I finally got hold of this statement and its attached to this letter. 
When I spoke to the bank they explained to me that the dealer called them and told them that they got the vehicle from me and they should come pick it up but when they came to pick it up, they found it in a body shop. so they did not want to pay the money that the body shop asked for the vehicle, so they never picked it up The dealer is a representative of the bank since I returned it to the dealer and the bank confirmed that the dealer received it for me without any damages it is not my responsibility to get it from the dealer to the bank. 
This account should be deleted from my name immediately This account with XXXX XXXX many times but they completely ignored me. Every time I called, they explained to me that they could see that I gave it back to the dealer but they never picked up the vehicle from the dealer I also disputed this item with the credit bureaus but I've got no reply from XXXX XXXXl Please see the documentation attached. 

This is extremely unlawful, that I have to go through such hard work and pain because I was denied several mortgages because of something I had no idea about. the dealer never notified me that it was not picked up, and XXXX XXXX never notified me that they never got it from the dealer they just put it on a collection of my reports
Consumer complaint received 2023-12-25
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. (FL)

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 2024-03-30
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. (SC)

Under the FTC, and privacy act I have to a right to opt out of creditworthiness or other personal characteristics that is being shared. If any company shares credit score or details about a purchase. I have a right to say no about sharing. This is a defamation to my character.
Consumer complaint received 2023-08-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

So XX/XX/XXXX I was told from bank America they are closing my account due to bank discretion and they have the right to not explain the reason why I have checking and bussiness account I was stole they were closing the accounts XX/XX/XXXX right and Im not able to access any funds from any account I had put multiple hardships in because I do own a bussiness and need to pay out payroll how ever every hardship has been denied talking to account closure has been a headache for me every rep have something different to say and highly rude about helping the customer myself I feel like I have been racially profiled and now they are holding my funds the last time I spoke with account closure was XX/XX/2023 and was told that bussiness account has been closed since XX/XX/2023 but the back office hasnt issued a check yet I want to know why are they holding my funds and keep making all these different excuses on to why I cant have access to my funds how ever they officially closed my personal account XX/XX/XXXX but now my bussiness and savings is still on stand still with no answers but to be told to keep calling and checking the status I asked if back office has email or number where they can be reached regarding this and I was told no I just have to wait please help. I feel as if they just doing this process on purpose because I am XXXX bussiness women who own a XXXX XXXX its not fair and I have to keep letting my employees know to be patient that they will receive funds once Bank of America fully close my account which they are taking there time on
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (NV)

I WAS ON TRAVELING AND MY CREDIT CARD WAS STOLEN I CONTACTED US BANK AND INFORMED THEM OF MY CARD BEING STOLEN ALONG WITH OTHER CREDIT CARDS OF MINE, US BANK STATED THEY DID A FRUAD CLAIM FOR ME AND THEN DENIED MY FRUAD CLAIM SAYING I HAVE DONE BUSINESS IN THE PAST WITH THESE MERCHANTS, MY CREDIT CARD WAS STOLEN, I LOST MY WALLET AND I HAVE OTHER FRAUD CLAIMS AND LETTERS FROM OTHER BANKS CONFIRMING SUCH, I DID NOT MAKE THESE CHARGES AND THEY NEED TO BE REMOVED OFF MY ACCOUNT IMMEDIATELY. MY CARD WAS STOLEN AND USED WITHOUT MY PERMISSION. THESE CHARGES NEED TO BE TAKEN OFF IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-25
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT # XXXX and account name 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. 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 2023-08-06
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX XXXX XXXX reported a 30 day late payment on my transUnion credit report between XX/XX/2023 and XX/XX/2023 Please Remove this information from my credit report pursuant to section 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, unless the creditor has adopted reasonable procedures de- signed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the pay- ment due date.

15 U.S Code 16815-2 ( B ) of the fair credit reporting act. If a consumer submits a identity theft report to a person who furnishes information at the address specified by that person for receiving such reports stating that information mantained by such person that puports that relate to the consumer resulted from identity theft, the person May NOT furnish such information that puports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. Also I wasnt never late because my payment due on the XXXX of each month and I paid it on the XXXX and I have all the proof Im sending over screenshot of my payment being paid on the XXXX however its not my fault if they system take days to post my payment however it paid my bill on time which why this late payment must be removed asap and it is also illegal under 15 USC 1666B and 15 USC 1561A please remove this late payment I take pride in my personal credit I pay all my bills on time.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX XXXX XXXX reported a 30 day late payment on my transUnion credit report between XX/XX/2023 and XX/XX/2023 Please Remove this information from my credit report pursuant to section XXXX5 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, unless the creditor has adopted reasonable procedures de- signed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the pay- ment due date.

15 U.S Code 16815-2 ( B ) of the fair credit reporting act. If a consumer submits a identity theft report to a person who furnishes information at the address specified by that person for receiving such reports stating that information mantained by such person that puports that relate to the consumer resulted from identity theft, the person May NOT furnish such information that puports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. Also I wasnt never late because my payment due on the XXXX of each month and I paid it on the XXXX and I have all the proof Im sending over screenshot of my payment being paid on the XXXX however its not my fault if they system take days to post my payment however it paid my bill on time which why this late payment must be removed asap and it is also illegal under 15 USC 1666B and 15 USC 1561A please remove this late payment I take pride in my personal credit I pay all my bills on time.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am writing to file a formal complaint against Experian concerning inaccuracies present on my credit report. On XX/XX/XXXX, I initiated contact with Experian to dispute certain information that I believe is erroneous. However, as of the present date, I have yet to receive any communication or resolution from Experian. Below are the details of the disputed accounts along with the requested corrections : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$94.00} I hereby request Experian to thoroughly verify the accuracy of the XXXX  XXXX account details. The reported balance of {$94.00} raises concerns as I do not recall owing such a substantial amount. Additionally, given that the account is indicated as closed and charged-off, the inclusion of a Past Due amount is unwarranted. I kindly request Experian to label this account as disputed while I address the dispute with the creditor. Furthermore, I require verification of the Date Opened, Date of Status, and First Reported for this account. 


Account Name : XXXX  Date Opened : XX/XX/XXXXXXXX  Balance : {$1700.00} The XXXX  account requires verification due to the reported balance of {$1700.00}, which appears to be inaccurately high. In light of the account 's classification as closed and charged-off, the inclusion of a Past Due amount is inappropriate. I believe it would be prudent to engage the creditor directly to address this erroneous data. While I work towards resolution, I kindly request Experian to designate this account as disputed. Additionally, I require Experian to validate the Date Opened, Date of Status, and First Reported for this account. 




Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} Experian 's reporting for the XXXX XXXX XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$860.00} ) contains inaccuracies. My records indicate the original creditor to be XXXX XXXX XXXX XXXX XXXX, a distinct entity from the one cited by Experian. Moreover, I have never had any contractual association with this company nor have I been contacted by them. The false information provided by Experian regarding the balance, which exceeds my belief of owed amount, prompts me to dispute this entire account. I kindly request verification of the Date Opened and Date of First Delinquency. 


Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} Similarly, the information presented for the XXXX XXXX XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$780.00} ) is erroneous. The original creditor, XXXX XXXX XXXX XXXX, is distinct from the entity indicated by Experian. Furthermore, the reported balance surpasses my understanding of the owed amount, thereby undermining the accuracy of the information. I dispute this account and request validation of the Date Opened and Date of First Delinquency.
Consumer complaint received 2017-12-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (SC)

I received a refund from XXXX XXXX on my old XXXX XXXX account that was already closed at that time. XXXX XXXX received and kept the money without denying the transaction. I have the ARN number for this transaction. 

Claim # XXXX ARN # XXXX Sincerely, XXXX XXXX
Consumer complaint received 2018-12-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (LA)

Navient was suppose to take {$51.00} out of my account every month on the XXXX. They are doing this since XX/XX/2018 but on XX/XX/XXXX they took the money then emailed me saying they have not been paid when I have proof it came put of my account. Then on XX/XX/2018 they took {$85.00} without telling me why or what ot was for and again on XX/XX/2018 they took another {$240.00} out of my account without any information.On XX/XX/XXXX they took the normal {$51.00} payment. On XX/XX/2018 they again took {$240.00} out with no information. This left me with only {$14.00} on XXXX XXXX to support my 3 person family on for the week..this was almost my entire pay check that they took from me for XXXX. On the website on my payment history there is no sign that anything of the higher payments they took out happened. They had originally told me I could make small payments monthly but they stopped taking it out my account and stopped everything.
Consumer complaint received 2023-08-06
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. (WA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidenitiality under 15 USC 1681 sec.602 A, states, I have the right to privacy.

15 USC 1681 sec. 604 sec. 2, states that a consumer reporting agency can not furnish an account without my written instructions.

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

15 USC 1681 sec. 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. 
Account name : XXXX XXXX, Account no. XXXX, Account name : XXXX XXXX XXXX, Account no. XXXX
Consumer complaint received 2023-12-25
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. (MD)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-12-25
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. (FL)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-12-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (NJ)

My mortgage company is XXXX XXXX XXXX serviced through LoanCare. They were experiencing outages of their newly renovated website. I made a payment, and they withdrew two payments from my checking account. One of those withdrawals was without my authorization and an error on their end. My checking balance is now negative {$2100.00} and I have no access to money. Orders Ive placed have been cancelled due to insufficient funds and I have no access to cash. I spent two hours on the phone and they refuse to expedite the refund. My complaints are that they took money from my account without authorization and they will not refund it in a timely manner.
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (NJ)

WELLS FARGO BANK, N.A., WELLS FARGO & COMPANY, and its affiliate, WELLS FARGO CARDMEMBER SERVICES, wrongfully and deliberately closed my credit card account. Upon doing so, I received deceptive mail fraud from XXXX XXXX XXXX XXXX. indicating that WELLS FARGO BANK, N.A., WELLS FARGO & COMPANY and its affiliate, WELLS FARGO CARDMEMBER SERVICES sold the alleged debt, and have been paid for the alleged amount they assume to be due and/or owed, which is a clear indication of unjust enrichment. According to WELLS FARGO & COMPANY 's XX/XX/2023 10-Q form filed with the Security and Exchange Commission ( SEC ) , page 114, Note 13 : Securitizations and Variable Interest Entities ( VIEs ) Loan Sales and Securitization Activity, it conspicuously states : " We ( WELLS FARGO & COMPANY and its affiliates ) periodically transfer consumer and commercial loans and other types of financial assets ( asset backed securities, credit card applications ) in securitization and whole loan sale transactions. '' Furthermore, page 116, also of Note 13, Transactions with Unconsolidated VIEs OTHER VIE STRUCTURES, WELLS FARGO & COMPANY and its affiliates conspicuously state : " We engage in various forms of structured finance arrangements with other VIEs, including asset-backed finance structures and other securitizations collateralized by asset classes other than mortgages. Collateral may include rental properties, asset-backed securities ( credit card applications ), student loans and mortgage loans. '' Upon establishing the credit card account with WELLS FARGO & COMPANY and its affiliates, WELLS FARGO & COMPANY and its affiliates, bought, sold, converted, transferred and traded the credit card application ( asset backed security ), also known as commercial and chattel paper, into a security to be bought, sold, pooled, invested and reinvested on the prime and secondary markets in both the public and private sectors. A forensic XXXX audit locating the XXXX to the credit card application ( asset backed security ) and credit card account can and will confirm. Therefore, as an investor in WELLS FARGO & COMPANY and their affiliates, I am due equitable compensation. Regardless of the reason ( s ) the account was closed, I have the right to credit. Withholding my access to my securities is securities fraud. WELLS FARGO & COMPANY and its affiliates are knowingly and willfully operating in dishonor, unjustly, in bad faith and with unclean hands. If we are unable to reach a fair and reasonable agreement within the next 30 days, I will have not other choice but to pursue legal action.