davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-30
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. (CT)

Here is a draft formal complaint to the CFPB requesting FTC involvement against XXXX  XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear to whom it may concern, I am writing to formally complain about unlawful practices by XXXX XXXX and request immediate investigation and action from the CFPB and FTC. 

I filed an identity theft report with the FTC detailing fraudulent activity on my XXXX XXXX credit card account. Despite having notice of this activity, XXXX XXXX continued illegal collection efforts for the fraudulent charges and refused to remove the associated tradeline from my credit report. 

I am going to file a civil lawsuit against XXXX XXXX outlining violations of 18 U.S.C. 3571, 153, 372, 1001, 1005, 1962, 648, 712 and 15 U.S.C. 1681d, 1681n. See attached Supreme Court of Connecticut Docket XXXX. XXXX. XXXX XXXX was invoiced for {$10000.00} in damages but has failed to cease unlawful conduct. See attached invoice and affidavit of truth. 

XXXX XXXX is knowingly violating fair credit and debt collection laws. I request the CFPB immediately open an investigation into XXXX XXXX regarding this complaint. I also request the FTC join the investigation and enforce the identity theft report I previously submitted. XXXX XXXX must be held accountable for its blatant disregard of consumer protection laws. The company continues harming my credit and financial position. 

Please contact me immediately to discuss this urgent matter. XXXX XXXX must face consequences for its predatory practices. I look forward to the CFPB and FTC taking swift action on this complaint. 

Thank you for your attention to this serious issue. 

Regards, XXXX XXXX XXXX as Beneficiary of the XXXX XXXX XXXX XXXX XXXX RIGHTS RESERVED Without recourse
Consumer complaint received 2022-11-25
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # 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.
Consumer complaint received 2023-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

I currently have a check that has cleared in my account and Chase has lifted the hold on said check, yet they're are persistent to further " verify '' this check. Only after being transferred between departments ten different times on six different calls all over half an hour, did I finally find someone from the fraud department who verified the check and created a case number for me to give a branch manager to allow an override so that I can collect my available funds. They have already made the decision to close my account and any time I call back to customer service, they say the restriction can only be overridden by a branch manager but every branch manager says that they have to lift the restriction on the phone and when the two communicate they both say that no one ever created a claim or case for this which i know " XXXX '' from fraud prevention made the case and gave me the reference number last Sunday. 

I am newly homeless, and have made it very clear to the bank that I can not continue to stay in my car in 100 weather, it is taking a toll on me, I have lost XXXX and have near heat exhaustion every day. This is my only hope to get back on my feet and I can not have them send the funds to my old address. Unfortunately I do not have an address so the branch manager and fraud prevention employee decided to allow me to pick it up as long as they lift the restriction or the other has to do it... It is a ridiculous vicious cycle and Chase is aware of the flaw and they DO NOT have the right to hold my funds indefinitely. 

Please help me out. 
I'm begging you to help me before they send it to my old apartment and it is lost forever.
Consumer complaint received 2022-12-08
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: United PanAm Financial Corp. (MD)

I XXXX XXXX am a natural born person I am the actual person submitting this dispute. This is not a third party. After reviewing my credit profile I identified multiple discrepancies with accounts listed as United Auto Credit CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are reporting inaccurate last activity date and high balance to all Credit bureaus. A validation and update to my report has been requested. 

15 U.S.C 1681s-2 Responsibilities of furnishes of information to consumer reporting agencies ( a ) Duty of furnishes of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge if errors.

15 U.S.C 1681e States ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-09-30
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY (CT)

Td Bank has a bump rate savings account with a 4 % interest rate with a linked account. I had 2 other accounts one being a checking and the other a mortgage. When I made a deposit, a TD employee linked my savings account to my mortgage with out my knowledge. When the mortgage account was closed, it dropped to a low interest rate for the term which I was not aware of as the account wasnt linked. When I discovered this I spoke with the bank and they said they would fix the issue and credit the interest it should of had as I had an active checking as well at the time and during the interest period. They are now refusing to credit the interest even though it was their employee that linked the account in error.
Consumer complaint received 2023-09-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Skagit Bonded Collectors, LLC (WA)

Was not given notice my landlord told me she found it on her porch. They are garnishing me for charge offed and closed medical accounts. Take money from every check barley afford my medication
Consumer complaint received 2023-09-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (FL)

I have already filed one complaint with Pnc Bank. I have not heard back from them when they said they would call me and investigate more. I received a letter in the mail that I owe them the XXXX and some dollars that was taken fraudulently from my account, they did not see where it was I live low income means and can not afford that. I did not do that and need to find out who did and get my money back they closed my account.
Consumer complaint received 2023-09-30
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. (PA)

Experian have my nonpublic personal information such as my social security number, account numbers, and credit history with my consent and authorization. I want to opt out of credit reporting of certain accounts with certain financial institutions. This is identity theft and credit reporting is optional. I have the right to privacy as stated in the Privacy Act the Fair Credit Reporting Act, and in the Supreme Court case Griswold v. Connecticut ( 1965 ). Additionally, these accounts have been reporting falsely as the balances are in a positive amount indicting credits that are owed to my principal. Also there is an unauthorized inquiry on my consumer report that I have no knowledge of.
Consumer complaint received 2023-09-30
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. (CA)

I filed a dispute XX/XX/2023 for inaccuracies my my credit report, and TransUnion failed to comply TransUnion are not complying with thier own policies in a timely manner, please see attached.
Consumer complaint received 2022-11-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

The Account balance and Information for the Mohela/Dept of Ed loan is incorrect. This Account was paid up in full years ago and now it has hit my credit report as 120 days late and is truly a hindrance to my Credit growth and potential. It reported late in the month of XX/XX/2020.
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX XXXX XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (GA)

I applied to the XXXX program for federal student loans on XX/XX/XXXX, prior to any available information about my loans being updated on the Nelnet website. It has been approved and confirmed, per XXXX Nelnet took well into XXXX to even reflect a balance, let alone a monthly payment. Finally, a monthly payment has been adjusted to reflect an over XXXX XXXX monthly payment. The XXXX application led me to believe a {$76.00} payment would be expected. I emailed Nelnet on XX/XX/XXXX, called XX/XX/XXXX with no answer, emailed on XX/XX/XXXX, and called 3 times on XX/XX/XXXX. I never had issues with my previous loan servicer, now my loans have been sold and I can't get ahold of a person. It's apparently disingenuous to think the largest debt-collecting agencies in the country would know how to... collect debt.
Consumer complaint received 2023-04-13
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. (CA)

This complaint is my follow-up prior to my last complaint dated XX/XX/23 to ensure that these items are deleted : XXXX XXXX XXXX XXXX XXXX CA 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 XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX Balance {$6100.00} XXXX XXXX XXXX Balance {$1600.00}
Consumer complaint received 2023-09-30
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. (GA)

On XX/XX/XXXX I submitted a dispute online with Trans Union about a negative item on my credit report. The negative item is XXXX XXXXXXXX XXXX Account Number XXXX I disputed that the Last Payment Made didn't match up with the Payment history. Its showing Last Payment Made was on XX/XX/XXXX but the Payment history is showing a Charge Off for the month of XX/XX/XXXX how is that possible? Once a Charge Off happens the account is closed. This is definitely reporting inaccurately. I sent Trans Union a picture of the incorrect information plus an explanation. They sent me back the same wrong account information but they said that the DISPUTED INFORMATION WAS UPDATED. They never did a proper investigation let alone a dispute. I know for a fact they didn't even dispute the account because where it says " Date Updated '' its showing XX/XX/XXXX this was over a month ago. I did my dispute on XX/XX/XXXX and the date completed was on XX/XX/XXXX they didn't even put Completed investigation of FCRA dispute-consumer in the Remarks section.
Consumer complaint received 2023-04-13
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. (NY)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-30
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
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: LendingPoint Holdings LLC (FL)

I have multiple loans under my name that were not open by me. I have already reported this issue to the federal tax XXXX.
Consumer complaint received 2023-09-30
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. (MD)

I am a natrual person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand these accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX XXXX Account # XXXX Amount : {$7800.00} XXXX XXXX XXXX Account # XXXX Amount : {$4200.00}
Consumer complaint received 2020-03-18
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX XXXX {$350.00} XXXX XXXX {$2700.00}
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( Experian, XXXX, XXXX ) and I noticed some late payments posted on my consumer report. This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment Immediately. 
Account XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX ) Months Showing Late Payments XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023
Consumer complaint received 2022-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2022 I made an online purchase at Walmart for {$100.00}. The account at that time was {$0.00} so I transferred the exact amount into the account. I checked the account a minute later and the money was gone, Walmart had taken it out. A day or two later my account had a negative balance of {$100.00} so I called the bank and asked why. They gave me a credit while they launched an investigation. For some reason my claim was denied, my account is now negative {$100.00}. The same thing happened again with Walmart on XX/XX/XXXX for {$26.00}. 

My issue is not with Walmart its with Capital One, the money was taken out by the merchant why was my account negative??? 

Claim # XXXX Claim # XXXX
Consumer complaint received 2022-11-25
Product: Credit card or prepaid 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: DISCOVER BANK (CO)

It hard to believe a company that is this removed and incompetent. I expect a complete correction and apology. 

Way back in XXXX XXXX I purchased an annual, pay in advance XXXX XXXXXXXX XXXX XXXX XXXX The credit card I usually use with another bank wouldn't accept the charge ( actually, I didn't see an email from them warning me ) so I used my Discover Card which I have had for over 20 years. Activation didn't work and I spent hours and dozens of calls tXXXX XXXX  out of the XXXX, trying to resolve it to no avail. I filed a dispute with Discover and sent them proof. An hour later ( approx. XXXX  ) they removed the dispute with no explanation. I sent them a long letter with no reply. In an extraordinary effort to expose the fraud and remove the burden, I filed a complaint with the XXXX XXXX XXXX. 

I was contacted by XXXX XXXX ( email and phone number attached ) at XXXX headquarters to resolve the issue. He indicated the product ( the cellphone plan ) was a " network error '' ( i.e., it does not work ) and XXXX would refund the purchase to Discover. 

Without notifying me of anything, Discover Card did place the charge in dispute status after my mailed-in letter ( all my online contact was ignored ). Then, for some reason, again without reason or notification, the dispute was removed and I started to receive statements and charges ; repeat : I do not use the card. I called, waited forever for an agent, then she put me on hold... The automated system said XXXX balance no payment due so I hung up. Discover has continued to charge me, including late fees. 

Per the user agreement, Discover has a firm dispute/customer protection policy ; they refuse to do it. Further, they have ignored all my contacts ; they have failed to research the charge ; they have ignored all the evidence ; they continue to threaten me and send libelous emails ; and they are trying to extort a ) charges for a product that does not exist and b ) late fees. It is atrocious customer service. If I had any faith in my local and only police department I would have filed charges long ago. I may do so online with the FBI for wire fraud. 

I am posting this here for all to see -- stay away from Discover Card. They used to have fine customer service ; they do not anymore.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

When I would get paid every week and I would try to cash my check and they would tell me my account is closed when I didn't close my account and it would cost me XXXX dollars weekly until they could figure out what happen and this went on for a month and I just gave up on Wells Fargo and I would tell people not to bank with them so they wrote me a letter months later and I told them they caused me over XXXX  dollars to go elsewhere to cash my checks so I said forget Wells Fargo it's unfortunate for me
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

XXXX XXXX  credit account -XXXX  and Equifax inaccurate information payments etc. I filed several disputes to both credit bureaus failed to properly investigate and make accurate changes to my credit report.This has caused major damage on my credit approval on other loans and credit cards etc, that I could have been approved for. This account was closed and paid settlement as agreed.Statue of Limitations same source from all company 's should report the same accurate information to each credit bureau.