davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-04
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)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2019-12-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AMERICAN HONDA FINANCE CORP (TX)

ON XX/XX/2019, I BOUGHT A NEWXX/XX/XXXX FROM: JXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. 

($XXXX  WORTH DEALERSHIP PRODUCTS I NEVER ASK FOR) 

ON XX/XX/2019 I REFINANCE MY AUTO LOAN WITH XXXX XXXX XXXX XXXX WITH A LOWER RATE AND BETTER TERM. 

I WAS ADVISED THAT 4 PRODUCTS WERE ADDED TO THE LOAN WITH OUT MY KNOWLEDGE IT WAS ADDED TO THE FINANCE AMOUNT. 

I WENT BACK TO THE DEALER ON XX/XX/2019, AND ASK FOR THE GM OF THE DEALERSHIP, AFTER WAITING FOR 1 HR, XXXX XXXX  CAME OUT AND TOLD ME THAT GM WAS TOO BUSY TO TALK TO ME AND HIMSELF WAS TOO BUSY TO ASSIST ME. TO COME BACK ANOTHER DAY OR EMAIL THE CANCELLATION DEPT. 

I TRULY THINK WAS WAS MISTREATED AND NEED THIS MATTER FIX ASAP. 

I WILL FILING A COMPLAINT WITH TEXAS DEPT OF LIC AND REG, 
"ENFORCEMENT DIVISION"
Consumer complaint received 2019-12-06
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: Experian Information Solutions Inc. (FL)

THOSE INQUIRIES LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE INQUIRIES ARE DUE FOR REMOVAL OFF MY REPORT. PLEASE HAVE THEM REMOVE OFF MY FILES.
Consumer complaint received 2019-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (DE)

I am trying to have my PMI waived. NewREZ LLC is very deceptive with their practices. It seems the folks that work for them are told to delay this process. This has been going on for a bout 6 months to date. These company needs to be investigated for there practices.
Consumer complaint received 2019-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IN)

The U.S. Department of Education is re-aging my old loan accounts with them. this is allowing them to report the accounts delinquent for longer then the statute of limitations allows these accounts to be reported.
Consumer complaint received 2021-08-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc. (FL)

In XXXX of 2021 I sent a communication to the 3 CRA as well as FFCC-XXXX  for verification as well as validation of the debt I do not believe was mine. I have sent 2 letters to FFCC-XXXX  and they have yet to send any information to say who they are, where they are from and where is the actual proof.
Consumer complaint received 2023-02-03
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. (PA)

My name is XXXX XXXX XXXX, and I am writing this personal statement on my behalf. I've recently uncovered fraudulent information on my credit reports. My personal information was used to open accounts and gain financial goods and services without my consent. I request that the information in this report and attached to my statement be removed immediately. The accounts are listed as follows : Accounts requesting to be removed ASAP : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES TO BE REMOVED 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 2020-03-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (GA)

I financed a XXXX XXXX XXXX in XXXX, loan # ending in XXXX Vin # ending in XXXX, I was one of the victims in the improper application of CPI insurance added to my loan forcing me to have my car repossessed even though I maintained full coverage auto insurance as required, years later I was given a check of around {$4800.00} and {$290.00} as their for of a " Remedy '' to the situation. this small amount is nowhere close to the amount of money and hardship this whole ordeal has caused me. I was forced to turn in my car which they sold at auction, during that time I relied exclusively on my car to work as I was in a 80 % travel position, I was forced to resign my job because I was unable to get another car due to the false forced repossession of my car, this job was with XXXX a top company in the industry so this issue effectively set my career back and I have yet to recover. also around this time I was a brand new single father with no family resources living in a area where child care required me to have reliable transportation I was forced to rent cars at a high rate to be able to drop my kid off in order seek new employment. another hardship I faced for years was the negative info on my credit, a repossession due to the negligence of Wells Fargo made it difficult for me to get housing or a vehicle at a respectable interest rate. over the last 6 years this has ruined my life and I think the amount sent to me if far too small to even begin to compensate me for the hell I've bin through because of Wells Fargo.
Consumer complaint received 2020-03-02
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)

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME FRAUDULENT ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. THIS SITUATION HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND PROGRESSING INTO THAT THE FUTURE THAT I HAVE PLANNED FOR MYSELF IS NOW AT A STANDSTILL. 
PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION.
Consumer complaint received 2020-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX, I deposited {$2000.00} in cash ( 20 {$100.00} bills ) at the Wells Fargo branch located at XXXX XXXX XXXX, XXXX, Texas. The teller who processed my deposit, XXXX, carefully inspected the {$100.00} bills. He asked me for my identification, looked at it and carefully looked at me and continued to examine the {$100.00} bills. 

After he completed the deposit, I asked him why he asked me for my identificationsince I was making a cash deposit and informed him that I was in XXXX for 43 years and XXXX & XXXX of a federally insured credit union. 

He said it was for " money laundering ''. 

I asked him if he was aware of the Bank Secrecy Bank and more specifically the Specious Activity Report and its requirements. I told him that a SAR was required for transactions of {$10000.00} or more, but if a pattern of specious behavior exists, a SAR might be filed for amounts as little as {$2000.00}. 

This was my very first deposit with Wells Fargo. 

I asked to speak to the Branch Manager and was informed that they were not there. 

I called a friend who is a bank compliance auditor and he said that the Wells Fargo employee violated the Bank Secrecy Act for 2 reasons : 1. The {$2000.00} cash deposit was well within the {$10000.00} threshold for SAR reporting purposes, 2. Since this was my first deposit, a pattern of suspicious behavior would be difficult to establish. 

Wells Fargo needs to adhere to the Bank Secrecy Act and better train it's employees.
Consumer complaint received 2020-03-02
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: Experian Information Solutions Inc. (NY)

i have a loan with XXXX XXXX XXXX, they stopped reporting to the credit bureau arond XX/XX/XXXX, i then filed a dispute with experian around XX/XX/XXXX, i never recived a letter of there results, it now appears experian has removed the account from the credit report,
Consumer complaint received 2020-03-02
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo violated me under the FDCPA. 806. Harassment or abuse harassment, oppress, or abuse any person in connection with the collection of a debt. 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 812. Furnishing certain deceptive forms ( a ) unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer. They Violated the Truth In lending Act, and The Freedom of Information Act. My wife and I have discovered that our rights have been violated. We were the original Creditors, Natural Consumers and Principal on our account with our signature. Now we are scared that we will lose our home.
Consumer complaint received 2023-02-03
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. (TX)

FCRA Violation: address and name not mine
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX

FCRA Violation: credit card never late
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: auto loan not mine
XXXX XXXX XXXX

FCRA Violation: collection not mine
XXXX XXXX XXXX
XXXX
XXXX XXXX
XXXX

FCRA  Violation: hard enquiries not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AL)

I have a checking account with Wells Fargo that was charged a {$35.00} overdraft fee for being overdrawn. The referenced account was never authorized for overdraft protection and thus should have never carried a negative balance. Wells Fargo authorized several reoccurring charges that overdrew my account over two months. The negative balanced grew to - {$48.00} in XXXX before Wells Fargo began denying charges, which they charged me an additional {$35.00} for this service. The account balance is now - {$83.00}, which constitutes {$70.00} in fees and {$13.00} in unauthorized charges. 

Wells Fargo has refused to refund the fees and insists that I pay the balance in full.
Consumer complaint received 2020-03-02
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: Receivables Performance Management, LLC (MN)

I filed a CFPB complaint on XX/XX/20- the issue itself has not been resolved from this company. I was harassed under FDCPA regulations. On XX/XX/20 I received a phone call from yet another collection agency who on XX/XX/20 purchased this same XXXX XXXX   account. The previous agency is supposed to hold the account while investigation is pursued and resolution is made. Instead they close the account and the originator " XXXX XXXX XXXXXXXX XXXX sold my account to this new agency, Receivables Management # XXXX. I told this company I had a XXXX, CFPB and attorney general complaint logged as well as speaking to management about the FDCPA violation on the XXXX of XXXX. This is continuing the harassment when I tried to set up payment for XX/XX/XXXX. I requested a mutual walk away and {$1000.00} due to primitive damages. At this point I may be requesting more due to the lack of respect and continuing to sell my account when a hold is supposed to be placed on the account due to the complaint. Unless there is a resolution I am not aware of. I have contacted my internal legal counsel at my job- I am a XXXX   XXXX for a XXXX  XXXX  company that XXXX  XXXX  to collection agencies and law firms. So I was guided on how to proceed and was told to keep them up to date on this matter. I will be discussing this phone call with them again today to see what further actions need to be taken since I am not being taken seriously and the account was re-sold.
Consumer complaint received 2022-11-16
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. (TN)

I have disputed with XXXX, Equifax and XXXX a Bankruptcy on all three of my credit reports that they stated they got the information from XXXX and the Bankruptcy Courts. I contacted XXXX and ask them to provide me with where they got this information from and XXXX stated that the data being reported was unverifiable and that they removed it from my report and that they reached out the the bureaus to have them remove it as well. I have sent the bureaus several letters asking them to remove it and the only bureaus that has responded back is XXXX and XXXX. Equifax will not respond back at all. this has been going on since I sent my first letters to each bureau on XX/XX/2022. I asked the Bankrupcty Courts if they give this information to the Bureaus and they sent me a letter stating they do not give this information to the Bureaus. I attached that letter along with the letter from XXXX and they still will not remove this information and stating that the information is accurate. XXXX also stated that my previous request they received with my information included, was not from me or a properly authorized third party. I stated to XXXX that they were advised by me on XXXX, XXXX and again on XXXX by certified mail that I questioned the accuracy of a few items on my credit report. That request was written by me and mailed by me- not a third party agency. This is not right and it is a violation of the fair credit reporting act. I also stated that the Credit Bureaus needed to provide me with copies of all documentation associated with these Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. they have not provided me with this information at all, I also stated to them In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, to please provide the names and business addresses of each individual with whom you verified so that I may follow up. which they have not done so either, they just state that it has been verified as accurate
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (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.
Consumer complaint received 2020-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (FL)

For 3 years, I have had credit card accounts with CitiBank that earn frequent flyer miles from XXXX XXXX. I have business and personal accounts listed in the name of XXXX XXXX registered to the address in this complaint. 
On XX/XX/2020, XXXX XXXX shut down my frequent flyer account and sent me a generic form email with no information as to why I was shut down. XXXX XXXX has confiscated over XXXX frequent flyer miles in my account earned from using my Citi credit cards. I applied for these credit cards in my own name and was vetted through identity checks and credit reports by Citi. I used the credit cards daily for purchases and earned frequent flyer miles. Citi sent me email offers to add new credit cards and to upgrade my cards, which I did, and earned additional frequent flyer miles from this. Now, Citi says that it is 100 % not involved in the decision by XXXX to close the accounts of many frequent flyers. Citi has engaged in deceptive practices towards its customers by routinely luring customers into new credit card products and offers to earn miles by spending money on their credit cards, then XXXX XXXX confiscates those miles, robbing the consumers. Citi claims it is uninvolved in this process, yet they are the ones offering clear terms ( do this, earn x miles ) and then allowing consumers to be robbed by XXXX XXXX. Citi claims ignorance about their own credit card products and allows XXXX XXXX to steal from its customers. I have filed a complaint with DOT against XXXX XXXX for stealing from me. I am now filing a complaint against Citi for deceptive practices ( promising rewards and allowing them to be stolen ), for bait & switch, and for misleading marketing campaigns to dupe customers into entering into contracts Citi fails to enforce in any way. Citi claims ignorance regarding its own products and refuses to protect its own customers.
Consumer complaint received 2022-09-15
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: CLGF Holdco 1, LLC (GA)

Ive had this particular credit card for about 3 to 4 months now, although with this being a card I didnt sign up for it was still sent to me anyways. I reached out to XXXX card services on multiple occasions XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Everytime Id call and explain to them and try to understand my billing I have always been given the runaround or them disconnecting my call. Now I can not access my credit card account through their website, even tried to create a new log in and I still am unable to log in to check my balance, due date etc : Im only sent text messages to know when my bill is due or constant calling. 

According to House Joint Resolution 73rd congress. Session 1 chapters 48 & 49 XX/XX/XXXX, XXXX, XXXX H.J.R. 192 1491 Public alas 148 stat 1 confirmed in Perry V. U.S. ( 1935 ) 294 U.S. 330-381,79 LED 912, as well as title 31 United States Code ( USC ) 5112,5118 and 12 USC 95 a.

With 15 USC code section 1666h the credit card issuer may not take any action to offender a cardholders indebtedness arising in connection with a consumer credit transaction under the revenant credit card plan. 

My demand is as the natural person my credit card be paid in full! Under 15 U.S. Code section 1693o-1 and HJR 192.
Consumer complaint received 2020-03-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

I have tried over many years to work with my student loan servicer, but there are not flexible with options to lower my payment. I am currently not working now, and my payment continues to rise. I believe that they were predatory in their lending when I first began school back in XX/XX/2005... I had just turned XXXX years old and I was able to take out a student loan with high variable interest rates. Over the years if the rates were not outrageously high I think I would've had a better ability to get them lower. All the payments I have made over the years has done nothing to stop my overall balance from increasing.