davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have 8 student loans that are reporting on my credit report and my social security number under the accounts are incorrect. The accounts are listed below. 

DEPT OF ED / XXXX - {$5900.00} DEPT OF ED / XXXX {$3300.00} DEPT OF ED / XXXX {$2800.00} DEPT OF ED / XXXX - {$2700.00} DEPT OF ED / XXXX - {$2500.00} DEPT OF ED / XXXX - {$2300.00} DEPT OF ED / XXXX - {$1400.00} US DEPT OF EDUCATION XXXX {$910.00}
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (IN)

USBank presented me a cash back offer, which appealed to me. I applied for the card and received it late in XXXX. I did not use it until XXXX. At the time I received the card, or shortly after, in the very last week of XXXX, USBank asked me to name my preferred cash back options, and I did so. I stopped using my previous card and began using my new USBank card for the transactions that fit my options. When I received my statement, i saw that my cash back amount was less than promised. I made several calls and other contracts to USBank, all of which were deflected with no assistance. Finally, I received a call back from XXXX XXXX She gave me the flimsiest imaginable excuse. She said, because I chose my options in Quarter 4 of XXXX, they only counted for Quarter 4, and as of Quarter 1 of XXXX, I no longer had any chosen options. Seriously? I made a first-time selection before any purchases on a new card, and a few days later USBank pretends XXXX have not made any selections at all?. No doubt there is some fine print somewhere that renders this deception legal, but it is unfair and misleading. One wonders why a bank would make promotional offers, then drive customers away with petty tricks.
Consumer complaint received 2023-08-23
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSWORLD SYSTEMS INC ()

Subject : Request for Forgiveness and Reversal of Late Payment Report Background : In XX/XX/2021, the first couple of payments for a student loan were missed. The borrower did not receive a bill and thought nothing was due because of the stay-at-home order issued by XXXX XXXX of Washington XXXX The account was set up by the borrowers parents, but there was a miscommunication in transferring the login information to the borrower. This error was discovered from a credit report blemish. 

Actions Taken : The borrower went online and paid the overdue amounts as well as the following month. The account was successfully closed within six months of the credit being hit, ahead of schedule. The loan servicer was contacted for relief, but none was given. The borrower requested that the late payment be rolled back off the loan, but this request was denied. 

Bad Faith of UAS Connect : There have been several reports of UAS Connect exhibiting bad faith in their handling of student loans. For example, one borrower reported that they had a recurring payment set up with UAS Echo, but when UAS Connect took over, they did not transfer the recurring payment and filed a delinquency. Another borrower reported that they thought their XXXX XXXX XXXX with UAS Connect was in COVID forbearance extension until they discovered that the first payment was due two months prior. When they contacted UAS Connect, they were told that there is no missed/late payment forgiveness program2.

Request : The borrower is requesting forgiveness and reversal of the late payment report with the credit agency. This would be in good faith, especially during the COVID-19 pandemic and in light of UAS Connects reported bad faith in handling student loans.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 15USC1681 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 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 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681C ( A ) ( 5 ) 15 USC 1681s-2 ( a ) ( 1 )
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: OneMain Finance Corporation (CO)

XXXX closed my account in XX/XX/2022. And then had to do it again the account in XXXX XX/XX/2022. They finaly got the account closed. Or i thought it was closed. They reopened the account and charged to it and reported to credit agencies that I was payment was over due. witch drooped my XXXX XXXX by XXXX points. Have talked to customer service they transfered me to the fraud department, then I was transferred to disputes, and then back to customer service. They kept me in a circle jerk for over XXXX minutes. I finaly got fed-up. And went to you. I have checked online and there are hundreds of people that have complained.
Consumer complaint received 2024-04-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: OPTUM BANK, INC. (MN)

On XX/XX/XXXX, I alerted XXXX Bank to an issue with their interest calculation ( see " Optum XXXX Secure Message.jpg '' ). I received on XX/XX/XXXX that indicated the issue would be sent to their back office teams ( see " Optum XXXX XXXX XXXX '' ). 

Reg DD 1030.7 ( a ) ( XXXX ) specifically outlines the manner in which institutions are allowed to calculate interest. The commentary for Reg DD 1030.7 ( a ) ( 1 ) -1.i specifically prohibits " paying interest on the balance in the account at the end of the period ( the " ending balance '' method ). 

Optum is creating a Reg DD violation by utilizing the prohibited ending balance method to calculate interest. 

It is not possible for my XXXX period average daily balance to be {$5000.00} ( see " Optum XX/XX/XXXX Statement.pdf ). This was the lowest amount in my account at any point during the XXXX statement period. 

It is not possible for my XXXX period average daily balance to be {$1100.00} ( see " Optum XX/XX/XXXX Statement.pdf ). While not my lowest balance in the month, the average would clearly be higher than this as evidenced by an over {$5000.00} balance for approximately 15 days. Optum is utilizing the ending balance method to calculate interest in this case.

Optum does not appear to have any rhyme or reason in how they calculate the balance on which interest is calculated.
Consumer complaint received 2024-03-16
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, XXXX XXXX XXXX XXXX XXXX is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2017-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

There are several inquiries on my Equifax report that I do not recognize. I contacted Equifax directly and spoke to a rep named  XXXX  who advised me to file a complaint and once it was received by Equifax my inquiries would be deleted. The inquiries are as follows :   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  t  XXXX / XXXX / XXXX  &  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX  .  XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX  &  XXXX  Please remove these inquires immediately
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I am writing to express my dissatisfaction and frustration regarding the handling of my complaint with the reference ID XXXX. Despite multiple attempts to resolve the issue directly with the involved party, I have encountered significant challenges and lack of cooperation. 

The essence of my complaint pertains to an unauthorized deduction of {$31000.00} from my Wells Fargo account ending XXXX without my consent or knowledge. This deduction is related to a business line of credit account ending in XXXX, which was erroneously attributed to me, despite my non-involvement as a guarantor. 
Upon investigation, I found that the deduction is related to a business line of credit account ending in XXXX, not XXXX, as incorrectly mentioned in some records. This account was opened in XXXX, not XXXX, as erroneously stated. Furthermore, it is crucial to note that I was not a guarantor for this account, and it is currently under bankruptcy proceedings. The business line of credit account belonged to XXXX XXXX XXXX, a company that ceased operations in XXXX. All associated bank accounts, including the mentioned line of credit, were closed at that time. The termination of XXXX XXXX XXXX was finalized in XX/XX/XXXX. I want to emphasize that my involvement with XXXX XXXX XXXX was solely as a shareholder and not as a guarantor for any financial obligations. Additionally, in XXXX, we applied for a business line of credit for another entity, XXXX XXXX XXXX, which was not approved. However, the bank incorrectly attributes the deduction to XXXX XXXX XXXX, despite it being unrelated to the mentioned account. 

Despite my efforts to resolve the matter with Wells Fargo Bank, I have encountered obstacles at every turn. One particular concern is the lack of documentation provided by the bank regarding their research into the matter. Despite numerous requests, I have not received any documents outlining their investigation process or findings. 

This lack of transparency and cooperation from Wells Fargo Bank has left me feeling helpless and frustrated. As a consumer, I have the right to be provided with relevant documentation and information pertaining to any investigation into a financial matter that directly affects me. However, the bank 's failure to provide such documentation only adds to the uncertainty and distress caused by this unauthorized deduction.
Consumer complaint received 2023-02-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (CA)

There are 5 or 6 missing international wire transfers. And we have 9 affidavit papers which these 5 or 6 missing wires are among them. After some investigation bank informed us that they found out that 1 of these wires has been rejected. This might also be the case for other missing wires, its weird because we signed their affidavit papers and they shouldnt have been rejected.We have transferred the money through Money Exchange in XXXX and we dont have access to them.Can the bank reverse the rejected wires? Because we cant access the money exchange in XXXX. 
And please investigate other affidavit papers to see which 5,6 of these 9 has been rejected or blocked.

We dont have much time its already been months, if we dont take action soon we might lose our money. 
I will provide the account number, its a joint account
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX 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.
Consumer complaint received 2024-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC (NM)

I continue to have difficulty logging into the portal with Specialized Loan Servicing to pay my mortgage. As I continue to communicate my concerns via the messaging system in the portal, their response is to set up automatic payments. It's important to point out, that automatic payments are not part of my mortgage agreement. As a service agent, Specialized Loan Servicing, has a responsibility to examine why it is difficult to log into the portal. Or at least an analysis and survey users to see if they have any issues with the online system. I refuse to pay the late fees because it is not easy to pay through the online portal. I will continue to submit a complaint because their solution is not reasonable that their solution is to set up automatic payments. They need to improve their customer service tools.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is 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 2016-05-23
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The Law Offices of Mitchell D. Bluhm & Associates (LA)

This company PARKED a medical collection on my credit reports without my knowledge and in doing so, they are in violation the FDCPA XXXX ( a ) Collection Practice of placing a collection account on my credit reports without sending a dunning letter to me. XXXX XXXX XXXX also failed to follow FDCPA XXXX ( a ) by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. If they sent anything out, I did not receive it or I would have sent a DV letter! 

Upon reading my credit reports a collection for this alleged debt has already been listed by another collector on the credit reports and the collection was removed in XXXX 2016. 

I request that they verify the following information. 1. What hospital is this medical collection for? 2. Date I was supposedly at this hospital 3. Full account summary and itemized calculation of alleged debt 4. Registered/Licensed number to collect in the state of Louisiana!
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP (MO)

We started receiving credit card statements from XXXX XXXX  about XX/XX/2022. I called credit card services and told them we did not open this account and to Please correct this. 
They opened an investigation and denied that this was fraud.
Consumer complaint received 2022-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (OH)

It was multiple dates they overcharged my car for every atm transaction which was doubled. Ive banked with Wells Fargo for like XXXX  years and when I asked them about the double transactions fees they said it was the atm or I could goto an Wells Fargo bank and there wouldnt be any fees at all but theres no well Fargo in my area.. but now that I use another bank and closed that account I still go to the same atm and not being double charged almost XXXX per transaction
Consumer complaint received 2017-05-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (DE)

I was scheduled to return my car lease but my tire blew out and the car needed repair. I informed the dealership that I would return the c ar one day late, which I did. Because the car was returned one day la te, the original creditor,  JP Morgan   Chase,  marked the account as a " charge off '' and also a late final payment. Because of this, my credit report has been destroyed.     The irony is that I ended up buying the same car at lease end. It was financed through the same bank ( for extremely high interest rat e ) a nd so they are actually benefiting from destroying my credit report.     I have all necessary documentation, including proof of both the tire blowout and my contact with the dealership. I 've provided it to  JP Morgan but t hey 've declined to help
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NJ)

Discover said " Customers who are experiencing financial difficulty caused by the spread of the COVID-19 [ virus ] may receive assistance that can include support related to payment timing, fees and late payments, '' Discover tells XXXX via email. Relief may include what the issuer calls " skip-a-pay payments, '' which are the same as deferred payments ; these allow qualified cardholders to miss payments for a time without negatively impacting their credit. '' I had a hardship on my account due to COVID. I no longer owe Discover any money, yet I am still being penalized.
Consumer complaint received 2023-02-22
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. (FL)

Recently I did an investigation on my credit report which caused anxiety beyond belief. I found information that was unverifiable, invalidated, inaccurate, and highly questionable that the agencies didn't make sure it was reporting 100 % correctly. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I have requested investigations into these accounts on the following days only to have them still remain on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

The inquires below are not recognized. I have tried to resolve this matter several times. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MD)

Over the last 5 years from years XXXX Wells Fargo has charged me {$35.00} per over draft over 100 times. Totaling over {$3500.00}