davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with Fair Credit Reporting Act, 15 USC 1681 section 602 A states that I have a right to privacy, 15 USC 1681 section 602 A section 2 It also states a consumer can not furnish a account written instruction.
Consumer complaint received 2019-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2019, I logged into Experian to check my credit report. The page that came up as soon as I logged on was a screen prompting me to enter billing information. It was for Experian 's Identity Theft Protection plan. However, it's not obvious that is what it is for, and the page almost makes it seem I had to put in my credit card information. 

When I press the decline button, I go to my overview screen. I know in the past I have frozen my credit, however, on this screen it shows " Your Experian credit file is unlocked '' with a button to " Lock Your File. '' When I click that button, it says my Experian Credit file is unlocked. What is not obvious is Experian is referring me to their personal paid service to protect my credit.
Consumer complaint received 2022-09-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again.
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

I did not receive a statement or other notification from Barclays ( servicing Old Navy Navyist Rewards card ) regarding a payment due on account. The first notification of late payment was from my personal bank credit score monitoring program advising that my credit score had been reduced from XXXX to XXXX. 

After seeing that Barclays had filed the negative item on my credit report, I tried to access my online account. I could not remember my password and I tried to restore access via automated methods. When this did not work, I contacted Barclays customer service who first advised I did not have an online account, but later found that Barclays had a " do not contact '' feature enabled on the account. Barclay 's customer service had to restore access to my account and waived the late payment fee. Once access was restored, I immediately made the payment. Shortly, thereafter, I received a letter advising contact had been restored on my account.

I do not dispute the amount owed, but I dispute Barclay 's making no effort to send me a printed statement or reminder via text, email, or other method before negatively impacting my credit score for something that could have been resolved in minutes, which could negatively impact my score for years.

I filed a dispute with each of the credit bureaus, with Barclays FCRA Credit Disputes Department, and wrote of my dissatisfaction with Barclays business practices to Gap Inc Customer Relations. 

Each of the bureaus advised that I should resolve with Barclays. Barclays advised that because the amount was past due, they would not be removing the negative reporting from my credit report. 

Below is the timeline of events : XX/XX/22 : received notification of potentially negative activity on credit report XX/XX/22 : contacted Barclays customer service : account access restored, late payment fee waived XX/XX/22 : paid account balance of {$150.00} XX/XX/22 : received letter from Barclays that my request to " resume all communication regarding [ my ] Navyist Rewards Credit Card Account '' had been restored XX/XX/22 : certified letter sent Barclays FCRA Credit Bureau XXXX department received XX/XX/22 : disputes filed with 3 credit bureaus XX/XX/22 : letter sent to Gap Inc Customer Relations Again, I do not dispute the amount owed or that the payment was late. However, I was unable to access my account, and Barclays made no effort to contact me to inform me of the debt. Nor to my knowledge did I ever change the settings on my account to receive no contact from Barclays.
Consumer complaint received 2022-04-17
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. (FL)

The following Companies access my credit with out my consent '' XXXX XXXX : XXXX. 
XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX : No contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Dealers In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 section 604A section 2 states consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2022-10-17
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. (SC)

My only identifying information is as follows : My address : XXXX XXXX XXXX XXXX, SC XXXX My name to : XXXX XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 


Address : XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX  XXXX, SC, XXXX
Consumer complaint received 2024-04-05
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: Self Financial Inc. (PA)

On XX/XX/XXXX and XX/XX/XXXX, I corresponded with Self at their address, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, regarding unauthorized charges on my account. Specifically, there were two transactions, one from XXXX XXXX for {$40.00} and another from XXXX for {$480.00}. Despite my repeated attempts to address these unauthorized charges through written communication, Self has failed to respond or initiate a dispute resolution process. 

This lack of response not only violates my rights under the Electronic Fund Transfer Act ( EFTA ), Regulation E, and the Fair Credit Billing Act ( FCBA ) but also puts me at risk of incurring late payment penalties due to Self 's internal policy requiring disputes to be handled over the phone rather than in writing. Both the EFTA and Regulation E explicitly grant me the statutory right to dispute transactions in writing. 

As a result of Self 's negligence, I now have a late payment reported on my credit report, which could have long-term consequences for my financial well-being. I urge the Consumer Financial Protection Bureau ( CFPB ) to take appropriate action against Self, including penalties, to ensure that they adhere to the laws and regulations designed to protect consumers like myself.
Consumer complaint received 2024-04-05
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (FL)

I moved into The XXXX XXXX XXXX XXXX XXXX  XXXX weekend of XXXX. From day one there were major safety issues. Due to their fire sprinkler system remaining out of code, apartment fires followed by floods caused by their faulty sprinkler system became a common trend. So much that renters insurance would no longer provide coverage. The aftermath of the fire and floods caused XXXX to be in apartments without notice, requiring industrial fans 24/7 paid at tenants responsibility in addition to constant black and other toxic molds due to the building never drying out. Due to the catastrophic nature of residing here, for my safety I needed to move prior to lease ending. Again due to the ongoing issues I was allowed to end my lease early. Shortly after, The XXXX  switched management companies and all prior communication, written and verbal vanished. Their leasing team was outsourced and I was no longer able to reach anyone there. After I was finally able to move, The XXXX sent me to collections for over XXXX, that account is currently owned by Hunter Warfield, and this has made it impossible to be approved for a new apartment lease elsewhere. Any help that could be provided will be greatly appreciated.
Consumer complaint received 2023-02-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC (MI)

SOURCE RECEIVABLES MNG Address XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone number ( XXXX ) XXXX This is the fifth company that XXXX has contacted to collect debts that are not valid. I have disputed four other collection company attempts successfully because they could not validate the debt because it does not exist because it was paid and it will stop here and now.
Consumer complaint received 2023-02-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My first letters to the credit bureaus regarding this account were in XX/XX/ and I have sent out letters each month since. This account is fraudulent and has been in dispute since I first seen it around XXXX XXXX last year but according to the credit bureaus they have it listed as not in dispute and remains unverified in the last several months. How is this possible if I have sent repeated letters to each bureau disputing this as well as letter to the alleged creditor. These are all violations of my rights under Title 15USC1681 and I demand that CFPB investigate this. Each bureau had 30 days to verify the account and not only did they send me letters stating it was verified but yet on their own report it states that there has been no verification and it is not in dispute. I have copied the XXXX FTC and the Attorney General for Florida.
Consumer complaint received 2024-04-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WSFS FINANCIAL CORPORATION (NJ)

I opened up a $ XXXX HELOC account at XXXX XXXX  on XX/XX/XXXX, which is a variable rate loan. I have used it to maintain the home with needed replacements and/or upgrades and almost at $ XXXX. WSFS Bank acquired XXXX XXXX  on XX/XX/XXXX. My shares of stock at XXXX XXXX  was converted to WSFS shares of stock. My account numbers have changed on my checking and HELOC accounts along with the routing numbers. But, there was no changes made to my XXXX XXXX  HELOC terms and conditions. There was no notifications sent out to XXXX XXXX  customers regarding the acquisition of the loans nor any information provided regarding new WSFS loan products or review of XXXX XXXX  loan status. I would ask the branch managers from time to time regarding my HELOC loan. The response was that WSFS loan department was not going to make any changes. As time passes, the interest rates increased substantially. I am concerned that I am short funds at the end of the month when when WSFS HELOC interest payment is due. My current month interest payment is {$370.00} and I am not paying down the principle. I had credit card debt which is in consolidation. It is almost paid up and cleared out by the end of this year. The branch manager suggested to apply for the WSFS conversion HELOC for $ XXXX. I would have liked a $ XXXX HELOC account, but it was not suggested. I will make monthly payments that will apply toward the principle balance and it will be slightly more than {$370.00} and somewhere around {$410.00}. I sent the application into WSFS and currently working with an underwriter. I decided to file this complaint when the message sent from the underwriter said that I need to be at XXXX Debt to Income ratio. He is asking to give him " Control '' of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  loan to payout so I meet the XXXX  ratio. I wrote back stating this is a HELOC account and it is not the same as a Home Equity Loan or Cash Out refinance. I explained about the complaint that I am filing and how my loan applications need to be handled along with appeals and counter-offers. XXXX, the representative stated that there are requirements that I need to meet. I will respond back that I am not interested in co-mingling unsecured debt with secured debt. I don't know what recourse I have, if any under XXXX XXXX  whose terms and conditions are considered " voided '' upon acquisition with WSFS. I could wait for my credit score to improve over the next few years. But, do I need to? Does WSFS have an obligation to convert XXXX  loan terms and conditions and/or modifications to existing loans? Will I be able to make a loan modification under XXXX XXXX terms and conditions? What is my best course of action?
Consumer complaint received 2023-02-11
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 2024-04-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (PR)

I initiated an ACH transfer from my brokerage investment account to my personal checking account at Wise on XX/XX/24. The funds were successfully sent to the correct account and were expected to arrive on XX/XX/24, but they never settled to my account. On XX/XX/24 Wise sent me an email that said : " Your bank has returned your money to us again. So we've had to give you a refund. 

Sorry we couldn't make your transfer of XXXX USD to USD. There still seems to be a problem with the details we have. 

Your money 's on its way back to you now. 

Refund details Amount refunded : XXXX USD '' The money never arrived to my Wise account or my brokerage account. I contacted Wise on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Their customer support keeps giving me the same generic answer that my case has been escalated. 

Wise has confirmed they have received my funds, but there is some " technical '' error they are not informing me of and will update me when they have more information. It has now been 25 days since I sent this transfer. I have missed out on many investment opportunities and it seems Wise has been holding my money potentially for its own use.
Consumer complaint received 2022-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

Good morning! 

My PSLF information was added to my Mohela account today but my last 2 consolidation loans are missing the 24 ineligible payments that should have transferred with the PSLF waiver. Loans 1-4 all have 24 ineligible payments and my loans 5 and 6 show 0 ineligible payments. The PSLF waiver states that all payments should transfer over to consolidated loans. This is important because I expect for these payment to count when the IDR waiver is applied. I do not want these to become hanging loans when my new Employment Certification Form is applied.

Please help! 
XXXX XXXX XXXX
Consumer complaint received 2024-04-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I traded my paid off vehicle to XXXX Dealership Located in XXXX Who unexpectedly closed shortly afterwards. I found out of the closing when attempting to take advantage of the 30 day car return policy by calling and getting a disconnected message then proceeding to car lot to find it vacant within a week of purchasing the vehicle.My title & papers arrived late which caused my emissions test to expired preventing me to be able to properly register my vehicle .Im financed through Capital One whom i reached out to prior to the closing of the dealership for an interview as i was told I'd receive before they finalized the fundings. Capital one is now stating it is a dealership issue and they can't assist although i feel they are partially responsible. Now Im stuck with a car I do not want & lost a vehicle I loved.
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act the follow accounts have violated my rights : XXXX XXXX. Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX of XXXX. Account # XXXX XXXX XXXX. Account # XXXX and account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A, section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-11-30
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: ONEMAIN FINANCE CORPORATION (AZ)

I discovered that OneMain Financial ran an authorized credit report on XXXX XXXX, 2019   without permissible purpose.

I sent OneMain Financial a certified letter on XXXX2019 requesting to contact XXXX, XXXX, & XXXX  immediately and have this inquiry deleted from my credit report file.  Certified letter was received by XXXX XXXX XXXX on XXXX/2019.

My request was ignored.  I am using Estoppel of Silence in my defense.  By law, OneMain Financial had a duty to respond but failed to do so. Therefore, this means that they agree with me that this inquiry was not authorized.

In addition, I am receiving constant emails from them.  I have unsubscribed to their emails, but I am still receiving emails from them. I am not interested in a loan or never have applied for a loan with them.  I need this to stop immediately as well.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc. (FL)

I received a Visa eGift Card as a gift from my daughter. She purchased if from XXXX. The card was used at XXXX last year. I have been trying to use it at XXXX but it is being declined, both in the store and on line. 

I called the customer service for this card to find out the problem. They told me that due to security issues it won't work at XXXX and I should try another retailer. I escalated the call and was told the same thing. I asked if it is being declined by XXXX or Visa. They said Visa is declining it due to security issues. I asked how to fix it or avoid the problem. They said the only thing I can do it keep trying it at other retailers until it works. I asked for a refund on the balance of {$34.00}. They said no. 

Their voice system shows the card as active with a balance but when I try to check it on their website I get an error message saying a system error has occured, try again later. 

It is advertised as being used any place that takes Visa, but that does not appear to be the case. I called Visa customer support. They said the ecard was issued by another party and they would put me through to them. She did say that a supervisor at the issuer could issue me a refund. The automated system at the number she sent me to disconnected me.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my follow-up complaint to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX ... Balance : - XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX