davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-13
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: AMERICAN EXPRESS COMPANY (NY)

provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or upated immediately. Account number XXXX, Account number XXXX
Consumer complaint received 2023-08-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

Well Fargo approved a payment to XXXX XXXX. Went I spoke to well Fargo representative they told me was pay because they assume recurrent payment that I authorize. 
I have XXXX XXXX since 2020 but every year I need the payment by my self on different card number. Because I dont have confidence in automatic payment. On my XXXX account they have an old card number one that is discontinued. Well Fargo accepted the payment through that card number. I have the receipt from XXXX XXXX and oldest receipt where is proof of payment with different card. 
How can Wells Fargo been some irresponsible to give my information to that Comp and my money.
Consumer complaint received 2022-11-08
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. (MD)

I am a federally protected consumer as defined under the FCRA. XXXX XXXX, Transunion, XXXX, and XXXX are financial institutions as defined under 15 USC 6827. None of these companies ever provided me with the adequate disclosures required by law of my rights to privacy and to opt out of sharing my non public information ( Non public information is .Any information an individual gives you to get a financial product or service ( for example, name, address, income, Social Security number, or other information on an application ) ; C any information you get about an individual from a transaction involving your financial product ( s ) or service ( s ) ( for example, the fact that an individual is your consumer or customer, account numbers, payment history, loan or deposit balances, and credit or debit card purchases ) ; or C any information you get about an individual in connection with providing a -5- financial product or service ( for example, information from court records or from a consumer report ). It is their duty to give me these disclosures clearly and conspicuously in accordance with federal law. In the case FTC v Transunion LLC further proves the above entities are financial institutions and are to comply with the disclosure requirements under XXXX. The case further stated ; The GLBA restricts the ability of a " financial institution '' to disclose XXXX to a nonaffiliated third party by requiring ( subject to certain exceptions not pertinent here ) that the financial institution provide the consumer with notice of the institution 's disclosure policies and the opportunity for the consumer to " opt out '' of disclosure. Id. 6802 ( a ) - ( b ), ( XXXX ). The XXXX further mandates that an unaffiliated third party recipient of XXXX " shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. '' Id. 6802 ( c ). 
AS STATED BEFORE I HAVE NEVER RECEIVED THESE DISCLOSURES OF MY RIGHTS TO PRIVACY AND TO OPT OUT. THESE COMPANIES ARE EXTORTING AND COERCING COMSUMERS TO PAY ALLEGED DEBTS AND HARMING THEIR REPUTATION. 
Lastly, I spoke to several reps at TransUnion today who claim they do not have to comply with that law, and for me to contact XXXX to get the information removed. When I called XXXX they told me to call the CRA to get it removed because they can not. They are all in cahoots to deceive consumers as they have been doing for decades. 

See the attached cease and desist to remove my information. Immediately upon receipt.
Consumer complaint received 2023-02-10
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)

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.
Consumer complaint received 2022-11-08
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. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more than 68 times nonstop this is exhausting they are not putting these fraudulent inquiries in dispute and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be XXXX  please help
Consumer complaint received 2023-02-14
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. (FL)

CFPB On XX/XX/2022 I sent a letter regarding inaccurate and unknown information on my credit report. 
To this day, over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored regarding my disputes. Section .611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these Items from my Credit Report. It has been over the 60 days so they should have been deleted or corrected already. I demand these accounts deleted immediately or I will file for litigation due to the stress and financial burden you have caused me. my information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

In early XXXX, I opened a new Wells Fargo card to transfer over a balance from a XXXX XXXX where the rates had gotten too high. I filled out a balance transfer from XXXX card to the Wells card in an amount well over $ XXXX. Then I waited. The transfer charge hit the new account on XX/XX/15 but as of yet has not hit XXXX card. So I am now paying fees on both cards instead of the simple balance transfer to new card. XXXX can't seem to figure out where the $ XXXX went and why it did not hit the target XXXX account, however they have told me it may take 90 days to resolve. This is unacceptable practice. The funds should be credited immediately until they can locate them.
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

I applied for the Citi AAdvantage card, which requires spending {$3000.00} within the first three months. I met the required spending amount within the specified period. However, I was subsequently informed that my spending fell short by {$45.00}. Upon reviewing the detailed billing statement, I believe I have indeed met the requirement. The only conceivable discrepancy could be related to Citi deducting a conditional credit of {$50.00} due to a pending dispute. 

Throughout my time owning the card, I consistently checked with Citi representatives to ensure that I was meeting the spending requirement. During our last conversation on XX/XX/XXXX, I specifically asked a representative via online chat how much more I needed to spend to fulfill the requirement, and I then completed the specified spending before the expiration date. 

This has been a particularly frustrating experience, considering my nearly ten years of dealing with Citi Bank.
Consumer complaint received 2024-04-12
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TD BANK US HOLDING COMPANY (NY)

I applied for a business loan with TD bank. I supplied them with what they requested I was working with a representative. After waiting almost a month she came back and said I was denied and she didnt know why. I never received anything from TD stating why my bus loan was denied. They put an inquire on my credit report and failed to supply the reason.
Consumer complaint received 2018-07-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (FL)

I sent letters amount an account that is reporting on my credit report. I sent a letter to US Dept of Education,  to all the addresses they have on my report which is 5 different addresses, requesting a copy of my payment and account history : 1 ). What is the Account Balance? 
2 ). Date Payment was received? 
3 ). Scheduled Payment Amount? 
4 ). Actual Amount Paid? 

I received no response from them.
Consumer complaint received 2022-11-08
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)

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Equifax shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Consumer complaint received 2021-09-16
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (OH)

Amount {$650.00} date unknown I contacted the company and invoice them for the violations an told them to cease and desist 1. Fact 15 usc 1681 protection of non public personal information ( a ) privacy obligation policy it is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information 2. Fact 15 usc 6801 ( b ) ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer 3. Fact 15 usc 1692 ( b ) ( 5 ) not use any language or sysmbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates thats the debt collator is in the debt collection business or that the communication relates to the collection of. Debt.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I was reviewing my credit report and was sent into an XXXX  spiral upon reviewing it. It is clear to me that the agencies did not do their jobs to make sure that the items and information that they were reporting was accurate and this has in turn affected my life quite negatively. The information being reported is inaccurate and just incorrect and needs to be corrected.
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NC)

I purchased a laptop from best buy, XX/XX/XXXX, I then returned it on XX/XX/XXXX, I was told ins store that the person could refund the computer, but not the antivirus software that went with it ( free with computer ). I called XX/XX/XXXX to have virus software canceled, and asked if I would owe anything, I was told no since I didn't use software I wasn't going to be charged. On XX/XX/XXXX I checked to see if my bill had shown charges reversed for refund, they hadn't I called Best Buy and was instructed this was normal and it would reflect in a few billing cycles, the computer charges did. But what remained was a XXXX charge for antivirus software I never received or used, I proceeded to follow merchants instructions thinking this would be the same. I then was notified through credit reporting 2 months later, that my limit had decreased from XXXX to XXXX... I think immediately began repealing the process and found out I was never credited, until XX/XX/XXXX after a second phone call.. all which I can provide reference numbers for if need be. So basically my credit has been tarnished, lender is refusing to reinstate my credit, they are closing the dispute as the merchant refunded the money.. and now I'm told there's no guarantee.. into fixing the error since it wasn't a bank error.. I just want my credit fixed and my account back to normal.
Consumer complaint received 2021-09-15
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. (KY)

This account magically appeared in my profile. I do not know who filed this account but its not mine and I do not know this account. I believe I am victim of identity theft or error in reporting. Please check this account and fix this error in my profile Account : XXXX XXXX XXXX
Consumer complaint received 2023-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (NC)

I, XXXX XXXX, am applying for the XXXX XXXX XXXX XXXX XXXX and am having great difficulty with obtaining prior old loan servicing history in support of my application to Mohela for XXXX. Like millions of students, my student loan servicers have changed many times and there are poor payment history logs of these and prior servicers have since closed down. I am unable to obtain payment history records from my payments between XXXX in support of my XXXX  application as there were multiple loan servicers during this time including XXXX XXXX XXXX which serviced my loan between XX/XX/XXXX until XX/XX/XXXX ; XXXX XX/XX/XXXX until XX/XX/XXXX, and Mohela XX/XX/XXXX until current. 

My application has been sent and received by Mohela XX/XX/XXXX. My direct student loans with XXXX have been transferred/consolidated at that time to Mohela as instructed. My loans went into forbearance on XX/XX/XXXX, and were officially transferred to Mohela on XX/XX/XXXX. Payment history from my XXXX loans was not properly credited to my Mohela PSLF application and I have XXXX payments credits for my Mohela application when I should have XXXX payments from between XXXX XXXX Mohela AND another XXXX payments from when loan serviced by XXXX XXXX XXXX and the prior loan servicer before that. XXXX XXXX XXXX is now closed, no phone number and no website. I have called Mohela and XXXX to request prior payment history from my loans that I have been paying for XXXX years. I was able to receive payment history from XXXX for my payments from XX/XX/XXXX until XX/XX/XXXX when they were the loan servicer which I have sent to Mohela but am unable to obtain older student loan payment history in support of my application. This information should automatically be transferred when transferring or consolidating a loan to another servicer. It is beyond frustrating and simply not fair as I have been providing public service to children since XXXX and have been making monthly on time payments on my student loans since XXXX for 15 years while still having over XXXX to pay in student debt. Many thanks for your help.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.