davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (TN)

i preordered a XXXX  from XXXX website portal at XXXX on XXXX the amount paid was {$100.00}. the order # ( ask me ). the model of the truck ordered was " XXXX XXXX XXXX Full Self-Driving Capability ''. i ordered under the email : ( ask me ) and XXXX sent me a confirmation email with all of this information. i paid for this with a debit card. XXXX had my cash for the preorder of the XXXX  for over 4 years. during this time they were holding my money as an interest free loan as i paid for a product i never received. after being fed up with the lies and delays and seeing that XXXX was canceling orders, i decided to cancel my order. it said on multiple sites including XXXX that XXXX was promoting cancelations due to not being able to deliver on what XXXX promised. and all money paid toward an order would be refunded in the event of a cancellation. the refunds were expected to go out within 30 days of cancellation. the day i canceled on was XXXX more than 30 days passed and i contacted XXXX through the only means available which was their service department which placed me on hold for hours. i called their sales department and all of their sales lines direct to a voicemail which was full. i then contacted online support for XXXX  and they directed me to the same lines i had called. i made follow up calls to resolve this and XXXX has not resolved it. i have only spoke with a person in the XXXX sales department. no one from service, sales, or support has attempted to reach out or correct the issue. since then i contacted my bank, US BANK, and they ran it through their fraud department and they laughed since several years had passed and they said that once it goes past 365 days, that becomes the account owners loss, so now XXXX has kept, ( STOLE ) my deposit for a truck, canceled my order and made it impossible through their own design to contact anyone regarding support. i know its a long shot and i will probably never get my money back but this is fraudulent on the part of XXXX plain and simple. XXXX promised me a product, they lied, they misled me, they stole my money and then they hid from me by making it impossible to contact anyone at XXXX for a refund. i have contacted my bank USBANK twice about the issue and they told me flat out that no refund was made and that XXXXXXXX XXXX XXXX and they arent willing to help me by providing proof of any kind that my refund was sent. since the payment was made so long ago the debit card it was made on expired and no one at USBANK is willing to help. i cant even contact anyone at XXXX. please help refund my money. i dont want these thieves and scammers to win another one. its total XXXX  that anyone would have to go through any of this.
Consumer complaint received 2022-02-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (AZ)

XXXX account amount of {$360.00} opened XX/XX/21 I did not open this account and made them aware when It was brought to my attention upon applying for a mortgage, they did not notify me properly, and refuse to delete even though this account is fraud. I paid it due to it hindering me from buying a mortgage, I need this removed and deleted per the fair lending laws.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-02-24
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. (MA)

I am a natural person, I am a living human being l, I have rights under 15USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts below be remove because according to 15USC 1681. I have the right to privacy and I did not give Equifax written permission to furnished theses accounts. 

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 2017-07-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Atlantic Recovery Solutions LLC (CA)

I received a call from my grandmother saying that a man called her threatening her if she did not give them my phone number for a debt collection. When I called them back they would not provide me with any written information about the supposed debt I owed. When I asked questions they said I should get a lawyer and that they are recommending to their client to take further action in court. Then another voicemail was left saying that if I did n't resolve this matter by  XXXX  the next day they would have no choice but to sue me.
Consumer complaint received 2023-07-26
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. (OH)

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 U.S.C 1681. 

Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX XXXX XXXX Account number XXXX Account name XXXX. XXXX  XXXX Account number XXXX Account name XXXX XXXX  Account number 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions/consent.

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. 

15 U.S.C 1681 ( A ) ( 3 ) look Equifax Congress made it clear that you assumed this role I never gave you permission and you didn't exercise your grave responsibilities plus you were unfair partial and conspicuous had no respect for my right to privacy
Consumer complaint received 2017-07-19
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: U.S. BANCORP (CA)

XXXX   transactions, each for {$75.00} on the same day (  XXXX  ), were posted to my account which I did not make. I called Elan Financial Service on   XXXX   to dispute the sales. I clearly said I did make the charges or know the merchant. Elan did not transfer the handling to their fraud group, but only attempted to get copies of sales.
They were then unable to obtain the sales copies, but deem the sales valid and reapplied to my account (  XXXX  ). I then called again (  XXXX  ), this time the representative said both sales would be handling as fraud, closed my account, and sent me new credit cards.
In watching my statement, it appeared that they only began handling one of the {$75.00}, as demonstrated by only a single temporary credit.
Again, I called to speak with the fraud group (  XXXX  ). This time I was told that the second charge would be handled as fraud and that the " investigator '' would return my call. No call was received.
Today (  XXXX  ), I had to call again, as the second {$75.00} is still on the account and I did not received a call as promised after 12-days. This time I was told that the investigator tried to call ( 07/05 ) but could not connect AND they only make one attempt. This is unfair as it requires the customer to ensure follow-up by the bank. I have been promised someone will call me.
I need your help, CFPB, in getting Elan Financial and Fidelity Credit Card to do their job and resolve me case.
Consumer complaint received 2024-04-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (PA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2022-12-26
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. (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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX FIN # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, 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 2023-02-26
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. (OH)

My and my father 's credit reports have become mixed somehow and there are many discrepancies that need to be corrected my father and i share the same name and have had the same addresses, I am currently being charged with Identity fraud tho i never used his information and never attempted credit in his name or social security number many of my inquiries and credit lines are shown to be on his report this information is inaccurate and i am now being criminally charged though i never used his information. 

From XX/XX/2021 to Current the inconsistency are overwhelming as the address i live at and the one he is at are not the same and the reports so that they are and they also list my email and phone numbers as well as my Business on his reports. 

Most of my paperwork pertaining to said information was taken in a search and XXXX thought no real probable cause was established other then hearsay from my father i need this to be resolved with the best efficiency possible to correct the issues and attempt to fight the current charges that are false and do to the reporting agency incorrect information gathering.
Consumer complaint received 2017-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Over the past few months I have sent correspondence related to  XXXX  different items on my credit file and everytime I receive a generic response saying account update or verifyed but every time the same incorrect info is listed. When correspondence was sent to original creditors I use the address on my file and after a week or so both were returned because of the incorrect address from my research all info on my credit file has to be 100 % correct or the item must be removed. After receiving both certified letters backs as returned I then made photo copies of both returned envelopes along with a letter detailing when I 'm requesting both items have been updated although I 'm for a face that the addresses are incorrect if the letters have been returned from the USPS. The  XXXX  items I 'm referring to are   XXXX    XXXX   XXXX  and  XXXX   XXXX   XXXX .
Consumer complaint received 2023-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (SC)

Mortgage company sent Insurance payment to wrong address and once discovered mortgage company sent a second check. Insurance company would not reinstate due to lapse from non-payment due to admitted mortgage company error. Alternate insurance when the sourced and paid but cost over {$2000.00} annually. Mortgage company issue third check for the now larger amount. Mortgage company has credited me the {$2000.00} additional cost and also one of the two initial checks but after more than 5 months still has not credited the second check. They have re-escrowed my account costing me hundreds of extra dollars each month. Although I have gotten through to one of their supervisors occassionally it is almost impossible to get through to them and voice mails are often not returned and email address not provided. Attempts to get contact information for their Corporate Offices to bump this up the chain have been unsuccessful also.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I tried to open a to open a credit card to build my credit score and was told all I had to do is to First have the {$500.00} available and submit an application and it would take 24 to 48 hours being that I had to fund the account if I didn't have the money I wouldn't be able to use the service they wouldn't give me the opportunity to try I have a copy of they're denial letter I'm submitting!
Consumer complaint received 2017-06-01
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. (NC)

I have disputed the following accounts due to fraud, I have sent in countless pages of documentation proving this claim. The fraudulent accounts have been removed from both   XXXX   and  XXXX  for fraud but are still showing on Experian.      XXXX   XXXX   XXXX   XXXX   XXXX  : {$950.00}   XXXX   Balance : {$260.00}  XXXX   XXXX   XXXX  Balance : {$3200.00} I would like these removed immediately as they have been confirmed by other agencies to be fraudulent. You are reporting false information! The other agencies should have shared this information. My next step is to send a letter of intent to sue. Thank you.
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: GUARANTEED RATE INC. (WA)

Through the mortgage refinance application process, our social security numbers were transferred via unprotected email without our authorization or knowledge by an employee of Guaranteed Rate Inc constituting a violation of the Gramm-Leach-Bliley Act, Safeguard Rule requiring financial institutions under FTC jurisdiction to have measures in place to keep customer information secure.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: T.S. Holdings (MA)

I recently pulled my credit report and found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am currently in the process of buying a home for my family. Please review all of my documents and remove the accounts that are listed.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  XXXX XXXX XXXX XXXX is and was paid by Cashier 's Check { attached } issued by XXXX XXXX on XX/XX/2023 sent Priority US Mail for {$21000.00}. That payment extinguishes any and all claims ( forever ) of XXXX  as it relates to [ me ] specifically Account # XXXX. I can not contact XXXX  XXXX XXXX directly [ I have tried all available avenues including numbers included in prior complaint responses, they simply don't answer or respond ] unless or until you want a loan, or credit, and I want neither. So, I have no avenue to gain relief from this LARGE BANK. I can not submit any dispute to Transunion or XXXX [ this Credit Reporting Agency is woefully inept and refuses to do anything except allow hackers in to them it is all a game. They claim a complaint already exists so in essence the collusion between XXXX and XXXX is such that it adversely effects my ability to repair the issues each have created ] as an appeal is pending on a different matter with Transunion ( a reputable company in my opinion ) involving incorrect information reported by another LARGE BANK. Both accounts are closed ( including XXXX XXXX ) the issue with XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is they've reported incorrect information as opposed to the other LARGE BANK, here XXXX XXXX that doesn't report information nor apply payments timely. BUT BOTH ACCOUNTS ARE PAID OFF [ by prep-paying each to avoid the continuing problems with both ] and CLOSED and for the duration of my life neither LARGE BANK is a viable option for anything in my future.
Consumer complaint received 2024-04-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo : 1 ) Advised me to borrow {$75000.00} and send it to their bank, and then withheld the funds for SIXTY DAYS against my explicit consent. 
2 ) They provided false information in the process of retrieving the funds, and misleading information in order for me to send more funds to their bank 3 ) Changed their policy after having already paid a material sum to lock in the rate 4 ) Increased the agreed upon rate by XXXX and explained that it was " out of their hands ''
Consumer complaint received 2023-07-26
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. (IL)

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-12
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 (CO)

During the COVID-19 Pandemic I paid off my entire student loan balance of {$12000.00} that was serviced with XXXX  XXXX XXXX On XX/XX/2022 I called XXXX and requested a refund of my payments. I was not educated about the impact of this or informed that by doing this it would re-open my student loans. I was told that the payments would be issued direct deposit to the bank account I made my loan payments to. I informed the agent that I no longer had that bank account and she informed me that I could not change accounts and I would receive a check issued by the Dept of Treasury within 12 weeks. 

I then received an email on XX/XX/XXXX that my loan was now with Mohela. I called Mohela to check the status of my refund payment and was told to call XXXX XXXX. I called XXXX  XXXX and was told the deposit occured on XX/XX/XXXX. I asked if she knew if a check was being processed through Dept of Treasury since I do not have that account and so I did not get the funds. She was not sure and could not answer my question. Based on the 12 week calculation the date should have received my check was XX/XX/2022 but as of XX/XX/2022 I still have not received my check. 

I then called XXXX  XXXX again around XX/XX/XXXX and was not able to speak to a representative because the automated system would not accept my PII since my loan is not serviced with XXXX  XXXX. On XX/XX/2022 I called Mohela and was told they did not have access to my refund information and opened a request with XXXX  XXXX which will take 30 days.