davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo has repossessed my vehicle on XX/XX/XXXX, without notice, in violation of the CFPD Consent order XXXX and the US Office of Currency consent order of XX/XX/XXXX. 

I have not received any communication regarding this account since XX/XX/XXXX. No notice was sent prior to this action. Moreover, Wells Fargo has not fixed my account in regard to the consent order and under XXXX Emergencies XXXX. 

Wells Fargo has violated " Breach of Peace '' in regard to Maryland Law. Maryland Law requires to not breach the peace when repossessing a car. Cars parked on the street, in a driveway or in a public parking lot may be repossessed by the lender. However, if the car is housed inside a locked garage or gate, the lender may not enter by unlawful means to repossess the vehicle. My vehicle was housed in a locked garaged and Wells Fargo agent unlawfully entered the premises without notice unlawfully. Lenders may not repossess a vehicle unless there is an agreement in writing that clearly states the lender can repossess the vehicle if the debtor fails to make the agreed upon payments.

Wells Fargo continues to provide canned answers to appease the investigating agencies yet fail to act in coordination with consent orders entered. Wells Fargo acts in a manner above the law. 

In light of the Administrative Proceedings File # XXXX ; Wells Fargo Continues to bully consumers violating them for undue unjust enrichment by use of " Unclean Hands ''. This behavior is repulsive and severe enforcement must prevail in prevention of this untamed savage behavior. This behavior is so widespread, Wells Fargo has lost accreditation with the Better Business Bureau. Wells Fargo fails to correct their records and bring an end to this beastly behavior.

My account has been charged additional monies not agreed upon. Although I am a party of the administrative consent order. Wells Fargo is continuing the same behavior without respect to their consent order. They are stating checks have been sent to me in refund that have not ( see attached ). No replacement check issued.

I am utterly disappointed and disgusted over the ongoing and continued behavior. I have completed the amortization on the loan and found the additional principal payments were not applied as paid commencing from XXXX. Moreover, I have paid three times the interest amount which in itself constitutes Wells Fargo has reneged on the Consent Order. Wells Fargo had thugs and thieves break into a locked closed garage on Private property, unlicensed to be onsite, steal my vehicle under false manufactured numbers. Wells Fargo is in receipt of payments made which are not credited to my account.

The repossession of my vehicle is in immediate violation of the consent order and I request immediate action accordingly.
Consumer complaint received 2023-09-07
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. (FL)

In accordance with the Fair Credit Reporting AcXXXX 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
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Submitted a dispute with Experian regarding incorrect information on XXXX tradelines from XXXX XXXXXXXX. Creditor retaliated for the dispute at almost the last minute by marking it as presently being a charge-off account, while simultaneously keeping it with a closed/ paid off remark. Experian claimed that the information was verified, even though I provided documentation that the accounts were never late to begin with, and despite the fact that it's long since showed paid off. Experian is clearly not paying attention to details.
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. (PA)

XX/XX/2023 XXXX Dear Sir/Madam, I am writing to dispute late payment information that is appearing on my credit report. I believe this information to be inaccurate, and I am requesting an investigation under the provisions of the Fair Credit Reporting Act ( FCRA ). 

According to my records, the following late payments appearing on my credit report are incorrect : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Reporting Date : XX/XX/2023 Alleged Late Payment Date ( s ) : XXXX, XXXX and XXXX As per the FCRA, I am entitled to dispute incomplete or inaccurate information on my credit report ( 15 U.S.C. 1681i ). I request that you conduct a thorough investigation into these late payments to verify their accuracy. If these late payments can not be verified, they should be promptly removed from my credit report as stipulated by the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ).

Additionally, the FCRA grants me the right to request the method of verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Upon conclusion of your investigation, please provide a detailed description of the procedure used to determine the accuracy and completeness of these items.

Furthermore, if the investigation does not resolve the dispute, I request that you furnish a statement to that effect to all recipients of my credit report as required by 15 U.S.C. 1681i ( c ) of the FCRA.

Enclosed, you will find copies of documents supporting my position. Please note that the FCRA requires you to complete the investigation within 30 days of receiving this dispute ( 15 U.S.C. 1681i ( a ) ( 1 ) ).

I appreciate your prompt attention to this matter. Please confirm in writing that you have received this dispute, are conducting an investigation, and will remove these items if they can not be verified.

Thank you for your cooperation. Should you require additional information, please feel free to contact me at XXXX or XXXX Yours sincerely, XXXX XXXX
Consumer complaint received 2022-11-21
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. (IL)

UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CO)

On XX/XX/2023 I made a payment of {$10000.00} that I indicated would apply to the highest-interest loan on my account ( 6.540 %, unsubsidized, XXXX XXXX in their system ). I specifically indicated that I wanted to pay by group, and picked group AI. They did not provide a receipt for my payment at all. 

They instead allocated the payment between several loans, including some of my subsidized, lower-interest loans that I don't want to pay off yet. I attempted to call them on XX/XX/2023 to rectify this issue, but it's not possible to reach them due to their increasing call wait times. Meanwhile, interest will continue to accrue every day this is not resolved.
Consumer complaint received 2020-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

Approximately 4 years ago I applied for a credit card from my bank - Santander Bank. From the very inception I started to have problems using the card at retail stores and complained to the bank about the embarrassment I experience each time ; nothing was done about my complaint. On Monday, XX/XX/2020, the card was declined for purchases I wanted to make ; on Tuesday, XX/XX/2020 I contacted the customer services department of Santander bank and requested that the card be closed ; for over 45 minutes I was bounced from department to department and was unsuccessful in getting my request completed. On Wednesday, XX/XX/2020, I went to the XXXX XXXX, XXXX, New York Branch of Santander bank and requested assistance from the employee who originally helped me to obtain the card. The credit card department refused to comply with the request made by the bank employee and insisted in speaking with me. I spent over i hour being transferred from one employee to the next without getting my request completed. I noted some of the employees names they are XXXX, XXXX and XXXX. Those employees kept making a number of frivolous excuses and refused to close the credit card account. Now I am being held responsible for a credit of {$10000.00} but can not use the card at my convenience and can not get the bank to cancel the account.
Consumer complaint received 2024-06-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

This is not a duplicate compliant. I am asking Navient to issue a " Navient School Misconduct Discharge Application '' for a predatory private loan from predatory for-profit school XXXX XXXX XXXX XXXX 
I contacted Navient directly but was told my loan wasn't eligible for this type of discharge. I believe it is and my private and my other loans for this school are eligible for discharge based on the " Holder Rule '', allowing consumers to stop paying on the loan and possibly obtain a refund of any payments made on the loan if a product or service is defective or not provided. I received XXXX XXXX from this school and my diploma is considered XXXXXXXX by potential employers. I was charged an excessive and abnormal amount of money with excessive interest for this low quality education. I am currently paying {$270.00} a month that is only going toward interest on this predatory private loan. The loan balance is still rising despite this monthly payment and is affecting my credit score negatively. I have paid over {$40000.00} on this loan both in interest and principal. Navient will not work with me on lowering the interest and getting the principal paid down. The interest rate is variable 13.2 %. Original principal {$23000.00} with current {$12000.00} payoff. I need this application in order to apply for the discharge and refund I deserve.
Consumer complaint received 2023-09-06
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)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT 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 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 an 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 2023-05-07
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. (MO)

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. Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  : XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXXXXXX XXXX Account name : 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 2023-09-07
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. (PA)

I contacted Transunion and XXXX on XX/XX/XXXX to notify them that they were reporting inaccurate information on my credit report. I also contacted discover to double check that my payment history was correct was up to date that i was making my payments on time 100 % they told me everything was up to date. Transunion and XXXX told me that they were going to take care of it but they didn't my refence number is XXXX i also told XXXX about a inaccurate inquiry reporting its by XXXX XXXX. these problems are messing up my credit profile and i need these items fix and updated. below is a screen shot of the reporting errors that i marked up
Consumer complaint received 2023-09-29
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Sentry Credit, Inc. (NM)

Sentry Credit has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) by continuing collection efforts after I provided you with a letter clearly stating that i want all further communication in writing. 
I sent your company a letter XXXX XX/XX/2023, In this letter, I clearly and unequivocally requested that you cease all communication with me via phone regarding the alleged debt, in accordance with my rights under the FDCPA, specifically under 15 U.S.C. 1692c ( c ). 
Despite receiving this letter, I have received further communication from your company, i.e ... ... phone calls, attempting to collect the alleged debt. This continued communication constitutes a clear violation of the FDCPA, and it is unacceptable. 

I also have not received anything from you since like was asked for in the letter attached.
Consumer complaint received 2023-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (OR)

I have received an email that the borrowers defense would apply to me. While waiting for that to take effect, my loan was transferred from great lakes to nelnet. My balance was approximately {$6300.00} ( I have proof ). A few days ago I was looking to see if it has gone through yet, and my balance is now {$9500.00}. There is no record of why or where that came from, it just appeared. And now it is accruing interest and says I have to begin payments.
Consumer complaint received 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. MY LIFE IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Consumer complaint received 2023-09-06
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. (FL)

I reviewed my consumer reports and noticed that I had two late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks... If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : XXXX XXXXXXXX XXXX Account number : XXXX Date XXXX Last reported date : XX/XX/XXXX Last active XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active XXXX INQUIRIES 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 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to file a formal complaint regarding a potential violation of 15 U.S.C. 1681a ( 2 ) ( i ) under the Fair Credit Reporting Act. I believe that the information provided by XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX  XXXX in a consumer report has not complied with the exclusion outlined in 15 U.S.C. 1681a ( 2 ) ( i ). Which state that Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The consumer report I received from Experian, XXXX and XXXX contained information that was solely related to transactions or experiences between me and the entity making the report, as per the exclusion outlined in 15 U.S.C. 1681a ( 2 ) ( i ) However, I believe that the information provided in the report did not adhere to this exclusion and included elements that extended beyond the scope of transactions or experiences between me and the entity. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that my rights under the Fair Credit Reporting Act are upheld. 

I understand the importance of accuracy and compliance with federal regulations in the handling of consumer information, and I trust that the Consumer Financial Protection Bureau will thoroughly investigate this complaint.
Consumer complaint received 2024-06-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc. ()

I was scammed from XXXX to XXXX via the blockchain wallets to the amount of 17 to 20 bitcoins. This is how it started : Please study the chart carefully and choose your best option so we can begin : Fund {$500.00} earn {$1500.00} Fund {$700.00} earn {$2400.00} Fund {$900.00} earn {$3500.00} Fund {$1000.00} earn {$4600.00} Fund {$2000.00} earn {$5700.00} Fund {$4000.00} earn {$6700.00} Your earnings are Instant within 12hrs Fund {$500.00} = {$1500.00} Instant within 12hrs and this money will be in bitcoins on to my blockchain wallet after 12 hours is that correct?? 
Your earnings are instant within 12hrs of mining. 
The good thing is that you can monitor the mining progress from wherever you are As a compensation to us, you will be requested to kindly pay us a token fee of 15 % of your total earnings after withdrawing XXXX! XXXX What that means I purchased those amounts and transferred to the wallets of blockchain.com which the scammers open for me and later said change your password. Than they keep asking me to purchase more bitcoins to amounts of {$100.00} to {$5000.00} dollars. And send those coins to those wallets where the coins will disappear to who knows where! Than they would have come as support managers to help me recover my losses and continue to ask for money to do that. 
That is in few lines explained the scope of this scam. 

I have all the relevant info to provide you from transaction history to wallets addresses to whats app conversation history with this scammers including print screens. 
This scam was orchestrated via XXXX XXXX and the blockchain.com wallets. 
Where the scammers would pretend they are blockchain employees like managers etc and they would have open wallet for me and later ask me to change the password. 

Inside at that time they had imported wallets with non spendable funds in it and on those amounts they scammed me asking me to put more and more money in order to make this funds spendable.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE