davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-17
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. (VA)

I am writing to file a formal complaint against XXXX XXXX regarding their unauthorized and illegal reporting of my consumer account, specifically violating The Fair Credit Reporting Act and The Privacy Act of 1974. 
Regarding XXXX XXXX, per the FCRA, as a Federally protected consumer, I am now opting out of all authorization, I the consumer, may have given them, written, unwritten, verbal, and nonverbal Per 15 USC 6802. Under 16 CFR 313.7 ( f ) Form of opt out notice to consumers ; opt out methods. Continuing right to opt out. A consumer may exercise the right to opt out at ANY time. 
On or about XX/XX/XXXX 2023, I mailed a Billing Dispute Letter per 15 USC 1666 Correction of billing errors, to XXXX XXXX, in regards to concerns, I the consumer, had at that point in time. XXXX XXXX did not respond in writing to my request or concerns, as instructed by our consumer laws, yet they continued to bill me late fees and proceeded to furnish derogatory remarks to my credit report. According to, Regulation of Credit Reports, 15 USC 1666a ; The creditor can not take any adverse action against me in the form of negative credit reporting once I have notified them of my billing error dispute. 
In accordance with 15 USC 1681b ( 2 ) XXXX XXXX can not furnish to my report without the written instructions of the consumer to whom it relates. 
Per 15 USC 6801 Protection of nonpublic personal information. It is the policy of 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 nonpublic personal information. The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. 
Under 15 USC 6802 Obligations with respect to disclosures of personal information. The creditors must not disclose my information unless they give me an explanation of how I can exercise a nondisclosure option. XXXX XXXX failed to do so. This action by XXXX XXXX is a clear violation of my consumer rights. They have egregiously disregarded these regulations by reporting transaction histories to consumer reporting agencies without obtaining my explicit consent, thereby breaching the privacy rights guaranteed under Congress and The Fair Credit Reporting Act.
Consumer complaint received 2023-02-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WV)

I had a credit card with XXXX XXXX  that I paid off back in XXXX or XXXX. When I paid it off I told them to close it because I had only gotten it for tires, however they did not close it and someone gained access to it and maxed it out. I have disputed the transactions with XXXX, and was told that because whoever used the card new the cvv code ( they had the physical card because it was not in my possession so of course that had the cvv ) and they knew my zip code ( a simple google search of my name would have given them this, and my name is also on the card ) that the transactions were valid. Theyve now reported the account as a charge off and sent me to collections, so I disputed the account with experian and they stated that the creditor says the account is accurate but its not and Ive been trying to get this fixed for over 6 months.
Consumer complaint received 2023-02-03
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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (OH)

My original home mortgage loan was with XXXX, and taxes and interest were always paid separately. My payments were never late while with Wachovia. After the loan sold to Wells Fargo, Wells Fargo started charging me for the taxes and insurance with my principal payments even though those were already paid separately. When I sent a principal payment, Wells Fargo kept charging me extra for the taxes and insurance ( even though they were paid ) and reporting the entire payment as late plus they continued to charge me interest and penalties on the entire amount including taxes and insurance that was already paid. This made it nearly impossible for me to catch up. These late payments are the only ones on my credit report. I do not have any of these problems with any other creditor, including a car loan I have had with Wells Fargo ( never late on those ). I even borrowed money from a friend to pay the home mortgage account in full.
Consumer complaint received 2023-02-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (MS)

Kept trying to pay loan on XXXX  XXXX XXXX XXXX. Was paying over the amounts needed on the car loan when payments were being made on the loan. They was telling me the payments were late and I still owed a lot of interest on the car even though payments were being made over the amount needed for the loan. Also got deferments on the loan and they still was trying to reprocess the vehicle and was told I had to pay full price for the vehicle through Wells Fargo. Was getting calls multiple times throughout the days and weeks. Supposed to been got the vehicle For the sticker price and they still was adding interest and late fees to the loan.
Consumer complaint received 2020-01-17
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. (FL)

Please remove account and inquiries from my credit report which I have never had before and do not belong to me. Enclosed identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (IL)

Hi, I was harmed by Wells Fargo illegal activity from XXXX to XXXX from the *continuous* incorrectly charged over draft fees and frozen from my bank account. The total amount was {$5000.00} was taken. Ultimately, I closed the account from the unlawful banking activity and the amount of mental and physical stress it added to my life.
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CLGF Holdco 1, LLC (NC)

I am a XXXX and in XXXX and XXXX I continued to be reinfected with XXXX. XXXX created a massive health and financial struggle in my life. I would appreciate the account be removed from my credit report.
Consumer complaint received 2023-02-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (NJ)

I lost my job due to health issues and my sister who is a contributor was on disability. My father who is a contributor also left his job due to health reasons and the mortgage never offered to help me when I asked. Its always a process. I filled out for a hardship package and sent everything in they needed but still said I needed more so I was denied. This isnt ok. I was taken advantage of as a first time home buyer. Please help.
Consumer complaint received 2018-03-06
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I have submitted numerous requests to Equifax to provide the method of verification, with whom the information was verified, and how the information was verified. The only answer I receive is that the information was verified and updated through XXXX. This is incorrect as XXXX  is not the original reporter. Federal Bankruptcy Court in the Middle XXXX XXXX XXXX is. XXXX  has provided incomplete and unverifiable information to Equifax, XXXX   and XXXX. XXXX is not the original furnisher of information. They are a third party information vendor that sells whatever information they get their hands on as accurate. I wrote to the Federal Bankruptcy Court and asked if the Court provides any personal identifying information to any of the credit bureaus. The answer that was received stated the Federal Bankruptcy Court does not provide any information to third parties such as XXXX, Equifax, XXXX  and XXXX. That tells me that the information that was used to " verify '' the bankruptcy information was taken from the P.A.C.E.R. System which is heavily redacted. One question I have is how can XXXX delete the information and Equifax and XXXX   not do the same. I sent XXXX the same information and they understood the bankruptcy information was unverifiable and had to be deleted under the Fair Credit Reporting Act. This will be my final attempt to seek their adherence to the FCRA. The next step will be legal action in the Federal Court System. The bankruptcy docket number is XXXX.
Consumer complaint received 2022-02-25
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. (VA)

I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2020-01-17
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. (FL)

However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts, I believe, that somebody used my personal information and applied for it.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am a natural person, I am a living human being I have rights under USC 1681.Equifax is governed by USC 1681 and they violated my rights numerous times, I demand that the accounts listed below be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) According to 15 USC 1681 I have the right to privacy and did not give Equifax permission to furnish these accounts, thereby inhibiting my afforded fair credit reporting.
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Source Receivables Management LLC (TX)

This the FOURTH collection agency that has tried to collect funds for XXXX account that has been closed for quite some time now. This contract was cancelled by XXXX. I made contact with the other collection agencies and they could not produce a SIGNED and WRITTEN contract between myself, XXXX XXXX, and them. 

I have made contact with this company verbally requesting that they provide a WRITTEN and SIGNED copy of the repayment contract between myself, XXXX XXXX and Source Receivables MNG. I was transferred several times before they disconnected the line.
Consumer complaint received 2020-01-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Choice Money Transfer, Inc. (NJ)

I send an amount of {$6000.00} to XXXX from a money transfer store. The name of the store is " XXXX XXXX ''. Address : XXXX XXXX XXXX, XXXX, NJ XXXXXXXX. 

But the lady ( store owner ) closed the business and left the city instead of sending the money or refunding me. She used to send my using Choice Money transfer and her lending company is Small World Financial Services Gropup. Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX NJ  XXXX. 

Short History : I went to the store on XX/XX/XXXX and gave {$6000.00} to the business. The lady said it will take few days to send the money as the amount is big. She asked for my bank statement and I provided that. She told me that once, they finalize the transaction she will give me the PIN number. She gave me a printout of my transaction and asked me to wait few days. I believed her as I used to send money from this store from last two years and this kind of transaction delay happened early. 

I followed up on XX/XX/XXXX just after the XXXX day and she said the transaction is still pending. She said same on phone when I called her couple of times. On Saturday XX/XX/XXXX I went to the store and she told me that the money transaction must be cleared on Monday ( 1XX/XX/XXXX ), otherwise she will refund me. I waited till Monday. When I visited the store on Monday she said that their system is completely down, and as that was a holiday week, she needs some times to restore the system. She said that they will fixed the system on XX/XX/XXXX and only then she can cancel the transaction and the refund will be available on XX/XX/XXXX ( Friday ). I had to wait but I got some scared but as it happened to me earlier and she had never cheated me, I just believe that and went to the store on 'XX/XX/XXXX '. But I found the store is closed. I revisited the store on next day XX/XX/XXXX and found the still closed. I spoke with another customer and she read out a notice which was written in XXXX. As per the notice, they will open on XX/XX/XXXX due to system failure. 

I went to the store on XX/XX/XXXX but found that closed. I also saw many people came there to inquiry about their money. But the lady left the city keeping all of us blind. Next day XX/XX/XXXX, I met an agent from Small World Financial Group who are the lender of the wire transfer. That agent told us they will take care the customer. But when I called them they had not received the phone. I called Choice Money transfer but they said they had nothing to do with the store as the lady did not actually made any real transaction. 
I went to the police station and filed a police report against the lady. Her name is XXXX most probably. 
I need help to get my money back.
Consumer complaint received 2023-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gatestone & Co. International Inc. (AZ)

XXXX XXXX XXXX agencies. 
XXXX XXXX has been over-charging my credit card account high finance ; basically half to quarter of payment is applied to high priced finance charges, XXXX XXXX admits to XXXX tactics and account fraud. 
Sent letter to XXXX XXXX explaining problem and course of action suitable to both parties. XXXX XXXX response letter informed they were not interested and started harassment. I continue to make payment per verbal agreement and written letter. XXXX XXXX sent email XXXX XX/XX/2023 acknowledging payment, yet the the Debt collector sent harassment letters to with INCORRECT amount. The XXXX XXXX account has been paid off several times, but high finance charges will never allow the account to be paid-in-full. XXXX XXXX stated the account would remain open, yet shows my account close on website. XXXX XXXX continues to lie to me, continue with Account Fraud, and stated they have right to discriminate against anyone including XXXX American Veteran. Filed complaints with XXXX XXXX XXXX. XXXX XXXX is currently involved in a major lawsuit to to UNFAIR practices and Account Fraud. 

I request my XXXX XXXX Account remain open, Account Fraud stop. 
XXXX XXXX, XXXX
Consumer complaint received 2023-02-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (MA)

I was a resident of XXXX XXXX XXXX  account number XXXX. I was charged {$120.00} for not leaving my apartment clean at the end of my lease. I cleaned the apartment before I left and also had XXXX roommates living with me. I paid my rent to XXXX in full for the whole year without incident. I feel they are wrong for charging me a cleaning fee when they have to clean the apartment for the next tenant and making me cover the expense. I'm still a college student with limited money to spend. 
Thank You in advance, XXXX XXXX
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CO)

In the last month I have had {$80.00} +/- I have been trying to pout to use .... 
I have access to that money ( MY MONEY ) for LESS than two days total over the last month. It has been tied up PRIMARILY by my bank American Express Bluebird. Though two other entities have contributed. 
A refund from a merchant took OVER 3 days to get returned BACK into my account ... ..... 
I FEEL this PRACTICE is unacceptable, the AMERICAN CONSUMER NEEDS PROTECTION FROM FINANCIAL PREDATORS!!!! 

Just last week I ATTEMPTED to make a purchase, the merchant rejected it ... ...... 
my bank American Express Bluebird IS CURRENTLY HOLDING THIS MONEY ( MY MONEY!!!!!!! ) FOR EIGHT DAYS ... ... ....

CUSTOMER SERVICE WILL NO LONGER ANSWER MY CALLS PROTESTING THIS BEHAVIOR!!!!!!! the AMERICAN CONSUMER NEEDS PROTECTION FROM FINANCIAL PREDATORS!!!!
Consumer complaint received 2020-01-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (AL)

On XX/XX/XXXX I found out the my modification for my mortgage loan was denied due to the amount of time that Ive been on the property however my employment was dropped a week before I closed on my home which helped me in a terrible situation to try to pay I tried paying for months but with me losing my husband in income I was not able to keep up I was very disturbed by Mr. CooperIn the business practices that they have they clearly seen that I wasnt able and my income dropped low and they are not willing to help, yesterday I talk to them about a repayment plan and that was an option because my account is already in the foreclosure department I dont have a date of sale yet but I am in the foreclosure department and that was their reason for not helping me is there anything that you guys could do to help me save my home I havent been in the house even a year yet but I have recently got back on my feet but Im not able to keep up with the payments that are behind
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (VA)

I faxed & submitted my first dispute to my consumer report on XX/XX/XXXX to Early Warning Services in order to remove a report my my file. I was told that my issue would be reviewed within 30 days. 

On XX/XX/XXXX, I followed up with Early Warning Services, only to find out that my dispute was not recieved nor resolved. Afterwards, I faxed and submitted my second dispute in regards to the same issue.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (NC)

I made a claim to Chase Bank that a check written through there bill pay service has not been received by my vendor. Chase provided proof that the check was deposited but it appears the endorsement was to an individual and not the company that I paid. Originally Chase shared that the problem was on the vendor and that there was nothing they could do. The vendor went to the authorities and the financial crimes officer shared Chase had to help. Chase finally helped after 2 months of arguing over a small error on the form. We are now waiting 2 1/2 additional months for help on this matter. We have been waiting a total 4 months to get this fixed. I don't think this should be how things are when a chase product like Bill Pay is being used.
Consumer complaint received 2023-01-17
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: HIGHLANDS RESIDENTIAL MORTGAGE (TX)

To Whom It May Concern, I received a copy of my credit report and found the following items to be in error below. 

I had several inquiries that was not authorized from XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX