davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-17
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: EQUIFAX, INC. (AL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2017-05-18
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Blackrock Mitigation Group LLC (MO)

Debt collection agency named Blackrock Mitigation Group LLC. They have been calling me for the p ast two wee ks, at least 4 times a day, as an unknown caller. Never leaving a voicemail. Finally his " unknown caller '' left a voicemail and said her name was  XXXX . Never said what company she was with or what this matter was regarding. She stated that she had documents for me to sign, and that she has set up a meeting with my HR department. She asked I call her back at  XXXX   XXXX   XXXX   XXXX  before the end of the day. I did not get around to calling  XXXX  back, and so today she calls stating that she has in fact a meeting with "  XXXX   XXXX  '' with my companies HR and she will be discussing my wages and that she has every right to garnish them. Also, since she had no record of me calling her back, that she will take that as a refusal to pay, and therefore action will be taken. I did call this number back after I received this voicemail, and spoke to a  XXXX . I asked  XXXX  what this was regarding, and she stated a payday loan taken out that had not been repaid and that the payday company   XXXX   XXXX   XXXX   was filing a civil lawsuit against me for theft by deception, and a few other legalities she threw out. She stated that my previous bank had denied   XXXX     XXXX   XXXX  's payment withdrawals at my request. ( Which is not true ). She stated that the " courier '' was already out of the office with my papers I was to be served and that this again, was a refusal to pay. She noted calls from   XXXX   XXXX   XXXX   to myself, stating that I told them I would not be paying them back ( also not true ). She then threatened me with seizing my car ( which she knew the make and model ) and also threatened to seize my wages. Also, that I could be arrested at any time. I asked for all documentation to be emailed to me and that I would get back to her on this matter. Lastly, she requested a payment of approx {$1200.00} to have this matter resolved.
Consumer complaint received 2022-11-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NY)

XX/XX/XXXX To Who it may concern ; This is about the consumer credit transaction entered with your XXXX XXXX dated XX/XX/XXXX and I extended that organization the credit for account XXXX. I hereby give your company ALLY FINANCIAL notice pursuant to 15 usc 1602 ( k ) that your company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction.

ALLY FINANCIAL didnt even inform me and the cost of credit, with the ONLY evidence of indebtness was just a computer-generated agreement. According to 15 usc 1602 ( k ) the term adequate notice means a printed notice to a cardholder which set forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have notice it and understand its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the card holder. 
Since adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a violation under 15 us 1602 ( k ).

Furthermore, pursuant to 15 usc 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction, therefore made and uninformed decision and it resulted in multiple billing errors and unfair credit card practices.

From your end, I have not benefited from this transaction which again is a violation of 15 usc 1602 ( p ). According to 15 usc 1602 ( p ) the term unauthorized use means any use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which cardholder received benefit.

I hereby request you do the below mentioned ; 1. STOP COMMUNICATING THIS ACCOUNT TO ALL!

2. DELETE ACCOUNT FROM ALL RECORDS!

3. A FULL REFUND OF ALL BALANCES PAID!

4. {$3000.00} check FOR ALL VIOLATIONS LISTED.

5. STOP INFRINGING ON MY INTELLECTUAL PROPERTY!

If you accept my request, I will not escalate this matter to federal court. In case, you choose to disregard and not accept the above requests, a legal action shall be taken against your company for compensatory damages. 

Thank you for you attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

I want to add my voice to the chorus of outrage about Experian, a company who says its dedicated to making your life better. On XXXX XXXX XXXX I applied for a credit report in order to qualify as a co-signer on a loan. It was my understanding from the financial services company XXXX  that it would cost {$1.00} to get the report. I applied for the report online via a link that was provided to me in an email from XXXX. I clicked the link, filled out application form, and received the report. Two months later while reviewing my credit card statements for XX/XX/XXXXand XX/XX/XXXX I noticed charges for {$29.00} from Experian. It took me a while to figure out that Experian had signed me up for a membership of some kind. Tried calling membership cancellation and was on hold for more than an hour. Tried calling every number I could find to talk to a real person at Experian with no luck. Finally I selected Technical support from their automated call system and a nice young man named XXXX cancelled my membership and explained that he was able to refund only one of the charges. This company who says that they want to protect consumers against credit fraud -- needs to examine and revise their business practices. If this is the way they choose to generate revenue, they are at the very least deserving of the kind of reputation of companies like XXXX XXXX for their shoddy and corrupt business practices.
Consumer complaint received 2017-05-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MN)

During my trial period of a loan modification, I have tried multiple times via email and fax, to reach out to the bank with questions/help regarding the modification. I have received no feedback or responses to my emails or faxes. They specifically asked for a certain document to be filled out and I faxed that document to the bank and  two  months later, they 're telling me that is not the right document the bank has asked for. I feel as if I have done everything they have asked me to do but yet, I get no response.
Consumer complaint received 2022-11-23
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. (MD)

3 credit bureaus must validate these ACCOUNTS in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : 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 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (OK)

This is a Notice that you have broken the law. 

TRANSWORLD SYSTEMS Does not have a license to collect a debt in the state of Oklahoma which is the state that I reside in. Nor do you have licenses to collect debt in Texas in which XXXX XXXX XXXX XXXX XXXX resides. 

TRANSWORLD SYSTEMS is reporting a collection account to XXXX, XXXX and XXXX. The account number for XXXX being XXXX as having a balance of {$1200.00}. With the opening date of XXXX XXXX. 

Congress has made it clear that there is abundant evidence of the abusive, deceptive and unfair debt collection practices by debt collectors. SOME of the Violations committed by TRANSWORLD SYSTEMS include the following : 15 U.S.C 1692b 15 U.S.C 1692c 15.U.S.C 1682d 15 U.S.C 1692e 15 U.S.C 1692f 15 U.S.C 1692e 18 U.S.C 1001 Additionally, This Is a notice of dispute.I am requesting VALIDATION, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I am requesting VALIDATION that is competent evidence being my signature showing that I have or ever had some contractual obligations to pay you. Provide the purchase agreement and all other documentary evidence. 

Please also be aware that any negative marks found on my credit reports or fraudulent security liens placed on my personal property ( including XXXX, XXXX, XXXX, and or XXXX XXXX XXXX from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry and any fraudulent security Interest liens removed from my personal property. 

XXXX Otherwise known as Public Law 73-10 states " All debts public and private are paid for. '' Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

The continuous of willful non compliance may result in information being shared to the following : XXXX XXXX XXXX XXXX XXXX  ) FTC ( Fair Trade Commission ) .. For Fraud Attorney General But the failure to respond within 30 days will also have the same result. 

Additionally, Failure to respond within 30 days may result in a small claims legal action at my local venue. In which Ill seek {$1000.00} for but not limited to the following violations : violations Defamation *Negligent Enablement of Identity Fraud *Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 0 *Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) *Copyright Infringement of Trade name XXXX XXXX
Consumer complaint received 2022-11-23
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. (GA)

I am frustrated to see Equifax stall the removal of the item I am disputing which is a clear violation of my rights under the Fair Credit Reporting Act section 606b! I have been asking for proof of documents bearing my signature to prove the Credit Bureau claims that the disputed item belongs to me, and yet they sent me nothing! Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see what they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the account ASAP : XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (NJ)

My information was disclosed to a third party without my permissible purpose!

As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization ( s ) that I, ( CONSUMER NAME ), may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY!
Consumer complaint received 2017-05-18
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. (GA)

I have sen t 4 lette rs to Transunion regarding inaccurate information on my credit report. The  15 U.S. Code 1681g - Disclosures to consumers requires CRAs to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. Transunion failed to provide me verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 day These negative events were not removed. Poof was not provided that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible. I have provided proof of all 4 letters t hat were sent to Transunion as well.
Consumer complaint received 2022-12-06
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: Convergent Resources, Inc. (TX)

In accordance with the fair credit Reporting act Convergent Account # XXXX, has violated my rights. 
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 couldnt furnish a account without my written instructions.

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 purpose.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

By no later than XX/XX/year>, I requested that USAA issue to XXXX XXXX XXXX a " hold harmless '' letter to formally request that XXXXXXXX XXXX XXXX return {$11000.00} that XXXX XXXX XXXX had cashed ( to a third party ) based on a USAA check ( check XXXX XXXXXXXX, payable to me " and '' two other payees ), that was missing any signature or endorsement from one required payee and that also contained one forged signature in the name of a second required payee. 

On XXXX XXXX XXXX XXXX XXXX XXXX had acknowledged that cashing such check was an error that requires XXXX  XXXX XXXX to return the funds ( {$11000.00} ) to the " maker '' of the check, which in this case was USAA. To return the funds, XXXX XXXX XXXX said it required that USAA send it a " hold harmless '' letter. XXXX XXXX XXXX provided to me a sample " hold harmless '' letter, which I emailed to USAA on XX/XX/year>. 

Since XX/XX/year>, I have repeatedly requested status updates from USAA by phone and by email, but I have not received any updates -- when I have called by phone, the USAA phone representatives never know anything about any progress, if any, that USAA might have made in issuing a " hold harmless '' letter to XXXX XXXX XXXXXXXX. When I emailed USAA three times requesting an update -- on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the only response I received was an email on XX/XX/XXXX saying " I apologize for the delay, it is still under review. I will try and have someone reach out to you soon. '' More than a month later, nobody from USAA has reached out to me or provided any update. 

XXXX XXXX XXXX had indicated, on XX/XX/XXXX, that it would return {$11000.00} promptly upon receiving a " hold harmless '' letter from USAA. USAA 's two-month delay in even issuing the hold harmless letter, particularly after I provided USAA a copy of the sample letter that XXXX XXXX XXXX XXXX to me, seems inexcusable. USAA 's failure to provide any substantive updates on its progress or " review '' of my request is certainly inexcusable.
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NJ)

I just would like to put on the record that Wells Fargo is constantly charging overdraft fees even after money has been put into the account to bring the account to a positive standing they also provided a grace day period allowing for funds to be deposited before being hit with fees it clearly that doesnt mean anything because I still have had to call multiple times within the last few weeks requesting overdraft fees to be reimbursed to me because I have made sure the account was not negative even before the grace period and still they have charged me with overdraft fees
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (FL)

This is the Federal Trade Commissions opinion regarding this type of account Section 607 ( b ) of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' I submitted a dispute directly to XXXX regarding my account with Nordstrom/TD Bank XXXX This account has been paid in full as agreed w/ creditor in full and yet is STILL showing a balance. 

This is XXXX 's response " The dispute for the account with NORDSTROM/TD BANK USA that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to XXXX that the information is accurate. '' In this case both XXXX & Nordstrom bank are in violation of FCRA as XXXX. XXXX did not follow reasonable procedures to assure maximum possible accuracy and XXXX. Nordstrom is reporting inaccurate and incomplete information. 

Reasons : XXXX. XXXX was informed by me that this account was paid in full/ settled in full and is inaccurately reporting a balance. This should be very simple to verify and had they followed " reasonable procedures to assure maximum possible accuracy of the information '' this balance, erroneous payment history and erroneous account status would not still be showing there. 
XXXX. Nordstrom reported a settlement payment as a regular payment ( while still leaving all derogatory statuses and late payment ) and a statement balance after receiving a settlement payment bringing the account to a current and final status where there is no remaining collectable debt.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (OH)

I paid off my Nordstrom card back in XXXX. They are still saying on my credit scores that I still owe the full amount. They are the only one of my accounts not reporting correctly as Ive paid them off at the same time. 
I disputed this information and now theyre saying Im over my credit limit on my credit report and that I still owe. 
I would like this to be reported correctly as a XXXX balance due. 
The amount that I paid in full was certainly taken from my account.
Consumer complaint received 2023-05-24
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Yes I purchased in XX/XX/XXXX th from XXXX XXXX XXXX XXXX XXXX XXXX XXXX license and it was defective it kept burning my flower I called the store and tried to get help nothing even offered for the employee to come over after work several times. I then got a response from capital one closing the case because the merchant lied and wasnt aware I had ordered the same device from the manufacturer as I told his employees several times and then went by his word not a affidavit etc or the fact I have the receipt for both purchases
Consumer complaint received 2024-04-19
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: WELLS FARGO & COMPANY (VA)

Date of the incident : XX/XX/2024 Charges on my Debit card : XXXX. {$4000.00} on XX/XX/2024 at XXXX ( did NOT authorized transaction ) XXXX. {$4000.00} on XX/XX/2024 at XXXX ( did NOT authorized transaction ) XXXX. {$220.00} on XX/XX/2024- which Wells Fargo claims that was authorized XXXX - This transaction I do recognized but I do not for that date that wells Fargo XXXX saying the debit card was inserted chip approval because I was not there at this place on a XXXX XXXX XXXX 

on XXXX XXXX XXXX I was at a bar in the XXXX XXXX XXXX witch appeared in my statement as XXXX corporation out of the XXXX transactions I do recognized number XXXX for {$220.00}. 

Wells Fargo XXXX # XXXX I had my wallet in my position at the time the {$220.00} happened but as I stated to the wells Fargo representative I lost my wallet that night and I checked my account the next morning I saw those XXXX charges for XXXX each. 

Well Fargo is trying to denied the claim by saying that I authorize those transaction when I sent proof from XXXX the manufacture of my phone that there was no text to me phone or email asking me to acknowledge these transactions for XXXX. 

A XXXX representative access phone to look for Well Fargo notification on my phone as you see on the documents that were uploaded. 

I need help PLEASE