davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. Auto Sales Inc. (GA)

This Rescission notice is made Pursuant to 15 U.S. Code 1635 ( a ) as I was never told I had 3 days to rescind the agreement nor was I given the notices that come along with all consumer credit transactions ; Furthermore, you US AUTO SALES failed to clearly & conspicuously disclose my right to rescind I, XXXX XXXX, participated in a consumer credit transaction and not a loan Pursuant to 15 U.S. CODE 1602 ( i ) : Take further notice that Pursuant to 15 U.S. Code 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which were never disclosed to me by your organization in direct violation of this law ; US AUTO SALES also accepted a CASH down payment of {$5000.00} violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction Pursuant to 15 U.S. Code 1611 ( 1 ) ( 3 ) you can be fined up to {$5000.00} for giving false, inaccurate information and fails to provide information which he is required to disclose and in this case you US AUTO SALES willfully did when you failed to disclose and provide all information clearly to me as a consumer ; Notice that Pursuant to 15 U.S. Code 1635 ( b ) upon receipt of this rescission I am not liable for any finance charge, security interest, etc. becomes void effective immediately. Take further notice that 20 days after your receipt of this notice you have to return any money or property given and also terminate and reflect that termination of the security interest placed on the property which in this case is a XXXX XXXX  VIN # XXXX. Your failure to comply with this rescission will result in civil liability for fraud Pursuant to 15 U.S. Code 1640 A coupon was sent to US AUTO SALES for the full amount of debt. US AUTO SALES kept the coupon and is still charging me.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

There is information on my consumer report that is result of identity theft. I did not provide written permission for the identified transactions on my report. I am requesting that is information be blocked and deleted. My request to block and delete is not being made in error, nor is my request being made on the bases of a material misrepresentation of the fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions made by me as the consumer.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have requested that all credit reporting agencies update my personal information to reflect my name and address and remove all others appearing on all XXXX reports. The only name and address that needs to be ( see below ) on all XXXX reports should be. 

As of the date of this complaint, this has not been done. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

When I pulled my report I notice that there were accounts appearing on my report that I am not aware of where it came from. Listed below are the items that I wanted to be deleted from my report due to identity theft. 
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 2024-03-26
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. (GA)

I am the agent XXXX, XXXX : for the Principal XXXX XXXX making an attempt to opt of reporting services for the XXXX XXXX Account Number ending in XXXX with Equifax. The Fair Credit Reporting Act or 15 USC 1681 section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax is a consumer reporting agency and I am the consumer, a natural person. As the consumer, I have the right to ensure my private information is not shared pursuant to 15 USC 6801. 15 USC 6801 states that It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. In this case, XXXX XXXX XXXX XXXX is a financial institution by definition in accordance with 15 USC 6801.

15 USC 1681 section 604 ( a ) section 2 references In general Subject to section ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX who is the financial institution and the consumer reporting agency reporting on this account ( Equifax ) DOES NOT have my consent to furnish this information or my written consent. Any and all consent to Equifax and XXXX XXXX XXXX XXXX whether verbal, non-verbal, written, or implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non public financial information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX XXXX XXXX has never informed me or notified me of my right to exercise my non disclosure option.

Additionally, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is in fact an adverse item they are reporting without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) states that 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 information is inaccurate. Furthermore, 15 USC 1681 ( e ) states that Every customer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Finally, 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Consumer complaint received 2022-12-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (GA)

Affirm processed the Loan for {$390.00} - The loan should have been for {$310.00} Affirm needs to adjust the loan for {$79.00}. My XXXX order total to {$310.00} Attach is my XXXX Final Details for Order # XXXX My e-mails with Affirm The Affirm loam agreement!
Consumer complaint received 2020-12-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Purchased item from XXXX add. Used PayPal as payment. They did not send me the item I ordered. PayPal says I can get refunded if I ship item back. Item said it was coming from USA. I need to ship item to XXXX according to PayPal. The shipping cost which needs to have tracking according to PayPal will cost XXXX dollars. Just a little more then what I paid for the item.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

One of my employee 's Bank of America Merrill Lynch XXXX XXXX XXXX XXXX XXXX credit cards expired in XX/XX/XXXX. In XXXX, the someone in Texas used the credit card number at a hotel to charge for a hotel room costing {$620.00} despite the fact that card was expired. We did not receive a fraud alert from Bank of America, and we did not receive notification that a charge was made to the account that normally goes out to employees. We got notice on XX/XX/XXXX from Bank of America that even though we reported the fraud that they said it wasn't reported within 60 days even though we never got an alert that should have gone out when the illegal purchase was made on the expired card at a hotel in a state different from where the cardholder lived. The card holder lives in Minnesota. The safety feature of the expiration date did not kick in during the illegal purchase. Also, BOA only sent a notification letter 4 payments after the account was illegally charged.
Consumer complaint received 2022-12-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

I submitted my IDR renewal with American Education Services on XX/XX/XXXX, which was the final day to submit. They then requested more information. I sent them via mail the paper application that they requested, my wife 's most recent paystub, my most recent pay stub and my tax return. They responded to me via a letter several days later on XX/XX/XXXX accusing me of not sending my own income information and telling me that I sent them the wrong tax return providing further instructions ( for the first time ) on which tax return information they needed. I then resent them my wife 's pay stub, my paystub and now the IRS form. They approved these forms on XX/XX/XXXX. 

Unfortunately, they decided to capitalize my interest stating that I missed the deadline. I have asked them via emailed exchanges how this was so. At first, I messaged them on XX/XX/XXXX noting that I applied on time. They responded the same date stating " we must receive all required documents within 10 days of the deadline. '' I responded noting that I had mailed it to them within the 10 days. They then responded XX/XX/XXXX by stating that " our office must receive the required documentation no later than 25 days before your current IBR schedule ends. '' They then referenced that this was stated in a recertification notice sent to me on XX/XX/XXXX ( attached ). However, on review of the document they reference, there is no mention of " 25 days '' or " XX/XX/XXXX. '' I find it frustrating that AES seems to do the bare minimum for the people it services and when it makes a mistake, refuses to atone for it. The most recent response states that my original application was " confusing, '' but they have not explained what was confusing about it. They seemed to not need another paper application when I re-mailed all my other supporting documentation as I did not mail a new paper application the second time. I only mailed my wife 's income, my income and the IRS tax form. 

Please let me know if there is any other supporting documentation.
Consumer complaint received 2023-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OH)

This should be added to complaint number XXXX already filed on XX/XX/23. 
We have sent them three monthly payments, XXXX, XXXX and XXXX in the amounts of {$1300.00} ( Original payment {$1000.00} plus {$310.00} for escrow ) and they DO NOT apply anything towards the actual house payment of {$1000.00} which now has us in default. The argument is with the additional escrow they want NOT the house payment.
Consumer complaint received 2022-12-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Wellsfargo is a lender that does not help homeowners at all!! 
They have never help me in any way! They dont care if you have all required documents they still dont help! 

Thanks to XXXX XXXX XXXX they save my home! After bringing my home current I had ask wellsfargo to waived my late charges in the amount due of {$2700.00}. Cause my house has been in so many programs and bankruptcy, foreclosed and it shouldnt have accessed late charges the XXXX XXXX  paid the late charges and now the Wells Fargo waived them but since the XXXX XXXX XXXX  paid them we have extra monies of {$2700.00} but Wells Fargo wont apply them to XXXX payments to help me get on my feet! They didnt tell me what they are going to do with the money at all! 
I also want to to take ownership and remove my ex husband since I have had so many problems with this lender! I have all required documentation plus my ex which is the person on the loan is aware and have signed the ocument!!! Why a struggle with this lender!???
Consumer complaint received 2020-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (IN)

my sister gets unempolyment but has no card to put it on. so it being my sister i gave my card informtion to put it in the florida unemployment office acc. so the money comes to my account and i give it to her that day. so today my money says negitive i call and they tell me it is under investigation.

but this is not my problem never got a email from my bank nor from the law informent fraud team. the unempolyment office never said this was not ok and if this was going to happen why did the unempolyment office and pnc bank approve my card on her account. this needs to be fixed today.
Consumer complaint received 2022-12-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: WELLS FARGO & COMPANY (SC)

CD opened on XX/XX/XXXX with WELLS FARGO. 
CD at Wells Fargo over XXXX years. XX/XX/XXXX the date " Grace Period '' ended was on a XXXX and I was told business days were not applicable for the " Grace Period '' and I am sure that information was available when I initially opened the CD. I called Wells Fargo on XX/XX/XXXX, on hold for about XXXX minutes with calling and transfers. Branches are not allowed to give me my rate over the phone????. After these transfers to various departments I was told NEW RATE of XXXX. While on hold I checked Wells Fargo website, it listed 3.5 % for a substantially lesser $ $ amounts than my CD. 

XX/XX/XXXX I took a day off work and traveled a XXXX, SC branch. They indicated that I would have to close old CD and open new CD. 

I received {$54.00} less than I initially deposited XXXX years earlier. So WF used my {$200000.00} for over 2 years and I owed them {$54.00}. 

That is a great endorsement for that bank. Ha Ha
Consumer complaint received 2017-09-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (WV)

Collection Agency threatening legal action for a credit card debt that I do not owe. Credit Reporting Agencies do not have the credit card number on my credit report. The implied credit card number does not exit and never had the card, the amount being asked for me to pay is {$3500.00} which includes implied balance, interest and penalties. I am a law abiding person and want this to be straightened out. 

I have been getting calls from a person, who claims to be working for a debt collector firm. I explained to him that there is some mistake about this claim, as I never had this Credit Card and proof is that it is not showing up on my Consumer Credit Report either. On the phone the person obtained my address from me and started sending me collection letters with collection notices, stating that there is a judgement against me in regard to the referenced account.
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion should not be reporting that I am ( XXXX ) days late on the XXXX XXXX partial account number XXXX and XXXX. ( Please see page attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ResidentCollect, Inc. (FL)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or a company you represent. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that INNOVATIVE RECOVERY INC absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

This is XXXX XXXX XXXX please 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 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (GA)

I was contacted by XXXX to have my business account set up but could not verify my navy federal bank account I was told to call technical support for assistance, while on the phone with tech support my IP address was hacked and the hacker who stated they were from XXXX customer service hacked my XXXX and transferred {$4000.00} out of every account I had listed on my XXXX and also opened an credit card account in my name, not to mention my Id was lost/stolen at the hotel in XXXX a XXXX before, the bank provided provisional credit then reversed the provisional credit which was from my understanding protected funds they were mine my sons XXXX back pay. Mind you the bank was notified immediately as I seen money leaving the account, Navy federal told me they seen the hacker trying to go in my account 5 times after I reported the accounts hacked and the were frozen immediately, not days later immediately! Navy Federal Credit Union has not only defamed my name and character by accusing me of being apart of this cybercrime scam, which is XXXX XXXX  counts on the hackers, they have lied multiple times about not being able to take my son and I XXXX check, at which we are completely without any money while they stated they were in investigating the appeal, however Navy Federal CU is calling me threading to close my account and is still demanding money from me. Also, Ive been back and forth to the XXXX, ga branch asking for answer, but getting nothing but the run arounds. I explained I have nothing at this point and I cant even buy my son anything for XXXX, the Navy Federal Credit union brand assistant manager stated aw Im sorry, Im sure your son wants the world for XXXX in the most nasty way I just walked away crying. I was hack through an tech support application, all my money was stolen I have text messages, recorded calls and police reports to prove I was a victim and I would like to stopped being treated like a criminal and like my money doesnt matter and have Navy Federal put my money back that is owed to my son and I. I would like to be taken seriously and not be treated as if Im a criminal and I do not matter in my financial institution.
Consumer complaint received 2022-12-20
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. (AZ)

XX/XX/2022, I sent a letter to the US Bankruptcy Court of Arizona asking do they report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

However, such information shall not include specific factual information2 on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times : The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions According to : 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.