davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-21
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. (AL)

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. 

XXXX XXXX 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 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 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (WY)

Hello CFPB, XXXX XX/XX/2023, my Wise account was unexpectedly closed by the company. At the time of the closure, there was a significant amount of money in my account, totaling nearly {$2000.00} dollars. Following the account closure, Wise requested my bank details to process a refund to another account. 

In compliance with their request, I promptly provided them with the necessary bank information to facilitate the refund. However, despite 20 days since then, I have received no indication or confirmation that the refund has been processed. To add to my frustration, Wise has consistently informed me that they can not proceed with the refund. 

I have contacted Wise multiple times via various channels, including customer support, to seek clarification and resolution. Unfortunately, their response has been consistently disappointing and unhelpful. They have failed to provide a valid reason for the account closure and subsequent refusal to refund the funds. 

I sincerely hope that by bringing this matter to your attention, the necessary steps can be taken to rectify the situation. I believe it is essential for the company to honor its responsibility and provide a fair and prompt resolution, including the refund of the funds rightfully belonging to me. 

Thank you for your attention to this matter, and I appreciate any assistance you can provide in resolving this issue.
Consumer complaint received 2023-03-20
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. (MS)

On XX/XX/XXXX I mailed my identity theft report to Transunion requesting removal of the fraudulent items. They did not remove the items within 4 business days of receipt ( per 15 USC 1681c-2 ( a ) ) and instead claimed my hand written and thumb printed letter was a third party. This was obviously incorrect, however they requested I send another one and I generously complied. So on XX/XX/XXXX I sent them my identity theft report again with request to remove the items. They did delete the items except for XXXX fraudulent inquiry ( XXXX via XXXX  XX/XX/XXXX ). 

Unfortunately they soon reinserted an account ( XXXX  XXXX ) claiming it as 'verified '' without following 15 USC 1681i ( 5 ) ( B ) ( ii ) which states they must notify me with a written letter within 5 days of reinsertion. Supposedly having done an investigative report to confirm the accuracy of this reinserted account, I have personally confirmed that they have not reached out to any of my family friends or acquaintances to complete an investigative report per 15 USC 1681a ( e ).

Furthermore, per 15 USC 1681b ( a ) ( 2 ), Transunion needs my written expressed permission to furnish any information on my credit report. I have requested that they send me proof of this written expressed permission and instruction to furnish this information with my wet-ink signature. 

On XX/XX/XXXX I sent another letter to Transunion requesting that they send me a sworn proof of verification affidavit to demonstrate their proper and legal investigation into this matter. I am simply attempting to have the correct information on my credit report. I need this to be reporting accurately. 

Failure to produce the original contract agreement for inspection will be evidence of fraud in claiming that I owe any debt and that Transunion is allowed by law to report on my consumer credit report and file. ( Pursuant to UCC 3-302 ) If Transunion can not provide where my written expressed consent has been sent to them in reference to reporting this information AND show me where they did a thorough by-the-book investigation into this fraudulent account, Im simply asking that it be taken off like its supposed to be. It is fraudulent and it is harming my reputation. There is a reason Transunion has paid millions in lawsuits for these exact issues that I am having with them. 

I have called Transunion and gotten nowhere. I'm only asking you to follow the law and respect my reputation which you are actively harming.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I, XXXX XXXX XXXX, federally protected consumer rights under the Fair Credit Reporting Act have been violated by EXPERIAN. I'm looking for an fair and equitable solution to get EXPERIAN to apply the reasonable procedures that the title has for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the title. 

please see attached document.
Consumer complaint received 2023-06-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation (KY)

I track my credit often and on the XXXX XXXX app I was given an offer to obtain a personal loan and the approval rating to obtain the loan was Outstanding. However, I went through the application process and was denied. This inquiry caused a decrease in my credit score.
Consumer complaint received 2022-10-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (FL)

Last XX/XX/2022. Synchrony bank charged {$180.00} no reason. I called PayPal affiliated synchrony bank. I have never received a product. I found out PayPaXXXX agent told me not to pay anything because of scammer using my PayPal account somehow. Synchrony bank is stubbornly charged me more $ $ without receiving a product first. Thank you reading my concerned message. I am XXXX and legally XXXX.
Consumer complaint received 2023-06-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: COINFLIP LLC ()

In XX/XX/2023, I fell victim to a multi-layered scam operation run by an alias XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX CAD from Coinflip to fraudulent firm ( s ).
Consumer complaint received 2023-01-24
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)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-02
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: Sequium Asset Solutions, LLC (TN)

I received a notice that a new collections account had been added to my report on XX/XX/. Over the last couple of days contacted all the parties involved with the credit report, most recently was today, on XXXX when I contacted XXXX regarding the information. Sequim Asset Solution was the reporting agency, and rather than verifying the information they submitted when I disputed the account, they updated my credit report with a false address. I contacted them ( as they are the only party that can remove the collections account from my report ) and they stated that they no longer had this account XXXX XXXX XXXX XXXX had recalled it for review ) and that I needed to contact XXXX XXXX XXXX regarding the report on my credit report. I explained that they were the company that submitted that information and in turn they were the only ones that could get it removed. Even with it being false/incorrect information they still stated they were not going to do anything.
Consumer complaint received 2023-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

The is the second time that Chase has automatically sent an ACH from my account when the auto XXXX has not been activated. Chase sent an ACH without my consent or permission AGAIN. I made a manual ACH payment on XX/XX/2023 and today, XX/XX/2023, I received a notification that my account has been overdrawn due to Chase sending an automatic ACH for the same transaction. Again, auto ACH is turned off and has not been activated. I manually sent the XXXX. 

Since this has happened before, I reached out to XXXX from the Executive Office at Chase who assisted me previously. This appears to be a recurring issue in Chases system. Regardless it is an issue in Chases system and wholly created by Chase. Due to Chases actions my account is overdrawn by {$4400.00}. Clearly, when Chase represented to me that this issue had been resolved it had not and they were misrepresenting the status of the issue. 

I am unable to conduct business on the account I need the resolved expeditiously and completely. I need the funds returns by end of business on XX/XX/2023.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section
Consumer complaint received 2018-10-12
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL INC (CA)

Credit report states that account was open XX/XX/2018. The status of the account says it is still open. I have no knowledge of this account and no knowledge of the collection company " COAST PROFESSIONAL ". I never received any notice through mail, email, or phone about this debt. I would like to address this immediately and ideally, have the negative remark removed from my credit reports.
Consumer complaint received 2023-06-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I purchased a new XXXX  XXXX  XXXX nineteen years ago. Recently I was involved in an accident and I need the title and a lien release for a loan that was paid in it's total almost two decades ago for insurance purposes. However, when I tried to navigate the Toyota Motor Credit Corp web site and telephone call in number it did not recognized my Social Security number and zip code. There is no other option to contact them that I can find. I need to have Toyota Motor Credit Corporation to provide a lien release and title as soon as possible. 

Vin # XXXX
Consumer complaint received 2017-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (WA)

XXXX  transferred t o Selene finan cial and had overcharged me by {$13000.00} Dollars and raised My escrow to {$560.00} when taxes and ins only {$200.00} per mo.      XXXX  charged me outrages late fees along with  Selene Financial when I was in review for modification.       Loan  has been securities and transfe red 7 times af ter mortgage ins paid it off in  2003.
Consumer complaint received 2018-04-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

Experian refuses to remove a collection account with XXXX XXXX XXXX XXXX from my credit report. The collection relates to charges from a medical practice that were discharged as part of a settlement. I do not owe them for this medical proceedure.
Consumer complaint received 2023-06-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (MI)

On XX/XX/XXXX I took a loan for {$8000.00} from One Main Financial, XXXX MI. In addition to that, I had agreed to the insurances the loan rep presented. The loan total is XXXX. The amount of interest I will pay is based on the XXXX. 
At home I reviewed the documents and cancelled the three insurances, a total cost of XXXX, on XX/XX/2023. I requested that the loan is re-amortized based on the loan amount minus the insurances. The company has refused. Their solution is to send me a refund for these three insurances. This is unacceptable because, over the next 5 years I will be paying interest and fees for XXXX rather than the {$8000.00}. 
I have spoke with a number of customer service and Corp Office employees. They absolutely refuse. This practice must be illegal
Consumer complaint received 2023-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: COLUMBIA BANKING SYSTEM, INC. (TX)

I tried to reach customer service in 3 different occasion, I waited a long time and nobody answered the phone.
On XXXX XXXX I logged into my online banking and saw several unauthorized charges on my account, so I locked the card using the mobile app. I noticed that my card was lost.

Now I need to report those transactions as fraud and also request a new debit card sent to my mailing address.
The last time I used my debit cad was on XXXX XXXX XXXX  Attached goes the screenshot with the unauthorized transactions to submit the fraud dispute, I never made business with them In the past and I didn't allow  someone else to use my card
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (VA)

Experian has not updated my credit report since XX/XX/2020. I submitted proof of address as experian required in order to update my credit report. Credit score and report still have not been updated.
Consumer complaint received 2018-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (MN)

I made a purchase from XXXX via PayPal.com for {$120.00} for some weights. When I tried to return the items, XXXX would not allow the return. They referenced their return policy and said my return was not within their time window. I responded that my return clear was within their time window. They denied the return multiple times and would not clarify the reason other than the general reference to their policy. When speaking or chatting with an individual, they would agree with my reason for a return and promise to send a return label. Then each time I would receive and email denying my return. This was a conspiracy by multiple employee within XXXX to violate their own policy and deny my return. 

I filed a claim with PayPal.com to refund my purchase. PayPal then engaged in a conspiracy with XXXX to deny my claim. They did not provide any response or rational from XXXX in denying my claim. They asked irrelevant questions, such as " why do you want to return the item '', and used the answer as a basis for denying my claim. PayPal.com policy does not discriminate on the reasons for returns. PayPal.com, in conspiracy with XXXX, violated their own policy in denying my claim. 

PayPal.com then charged and additional {$120.00} to my PayPal.com account. This charge was unauthorized and fraudulent on the part of PayPal.com and likely a criminal act. This additional charge was in violation of PayPal.com policy and was outside the scope of my original claim. I was asked for a refund ; how can I possibly incur additional charges? 

Again, this points to PayPal 's conspiracy with XXXX to deny my claim despite both XXXX and PayPal policies affirming 1 ) my right to return the item and 2 ) my right to receive a refund for returning the item. 

I am disputing {$250.00} in charges for a {$120.00} returned product. I am also asking for a criminal investigation into XXXX and PayPal.com practices. 

I should note that PayPal has refused to speak with me when I have called in. I have been put on multiple terminal holds. They have refused to clarify or provide justifications or reasons for their multiple denials.
Consumer complaint received 2023-06-02
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: CITIBANK, N.A. (MD)

I have had, for 30 years, a Citi Business MasterCard. In my XXXX statement here was a charge of {$59.00} for XXXX. I checked and two previous charges were sent through, one for {$1.00} and another {$59.00} No phone number was attached to the charge. It was a scam, I have my card, and never have done business with XXXX and have not had my identity stolen. 

I am XXXX  and the stress Citi caused was dreadful. They closed my card, and 10 days later I received a new card. But everything was lost on-line. Now, I cant reconcile my old card nor the miles I lost in the process. But an addition was added to my account agreement that allows Citi to act however they choose in the event of a dispute. They are now denying the dispute,. 

Are card holders at the mercy of this bank? Thank goodness, XXXX came to my rescue with a new XXXX XXXX Go Paperless is wrong because it fails.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The items doesnt belong to me. I dispute the items with the creditor and the creditor sent me letter stating they dont verify public records to credit bureaus or third parties. I sent over documentation servers time and they refuse to block or delete. I contacted LCI TransUnion which is the third parties they use over XXXX times no one replies back via mail, email or phone calls its been over XXXX.
Consumer complaint received 2023-06-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Universal Account Servicing, LLC (LA)

XXXX XXXX XXXX assumed my account via XXXX XXXX. I paid the stated billed total amount due XXXX two weeks prior to the date due. After payment, the online balance reflected XXXX $ online. The next month I received a bill for a late fee with an accumulated finance fee with no explanation. I then received calls from representatives that couldnt explain the charges. Finally, I spoke with a supervisor who only agreed to waive late fee and finance charges but told me I had to pay XXXX XXXX
Consumer complaint received 2023-06-02
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (NY)

On our around XX/XX/XXXX WellFargo took my car. I sent a complaint to the bureau earlier this year because according my records the debts were paid. I also sent in an FTC identity fraud complaint against the company. During the months of XXXX my car was impounded, Wells Fargo contacted the pound while my case with the FTC was open. A violation of my rights. They also sent a breakdown of the contract signed and the numbers, however those numbers are not a TRUE accounting of the contract, as a financial audit will reveal and they never did. As of a letter dated XX/XX/2023 from Wells they are threatening to sell my car, in which after doing a XXXX lien search they NEVER had a lien on me or the car. Also according to my documentation they never even had their name on the orginal title of the car. I want my car back asap and I am disputing charges and looking to arbitration to solve this dispute. I have made my brother power of attorney to help with this matter as well.