davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, These Companies 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 2022-05-24
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. (FL)

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, These Companies 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 2022-05-24
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (FL)

A girl online approached me and asked me to invest in XXXX XXXX so i did. 
I used XXXX and crypto.com and the funds transferred to a scam platform called XXXX. 
After a while i was able to withdraw some funds but i lost most of my money. I was not using a stop loss. 
Then she manipulated me into investing some more and i did but then i wanted to withdraw my funds but they accused me of money laundering. Scared me into thinking i had to pay a penalty of 9 %, XXXX XXXX dollars. 
The money was transferred from my wallet XXXX to XXXX utilizing crypto.com services.
Consumer complaint received 2022-05-24
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: CITIBANK, N.A. (PA)

Ive had multiple new account inquiries trying to open a credit line : XXXX XXXX AMEX XX/XX/2022 Citi Cards Cbna XX/XX/2022 XXXX XXXX I did not inquire about anyone looking into my credit nor apply for any credit card recently.
Consumer complaint received 2016-02-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NJ)

I was the victim of identity theft. On XXXX XXXX I noticed an unauthorized XXXX pending withdrawal from my wells fargo checking account to an account at XXXX XXXX. I requested this transfer be stopped on XXXX XXXX. Wells fargo denied my request to stop this illegal transferred allowed it to occur on XXXX XXXX. After contacting the XXXX, NJ police Wells fargo did request a return of my money from XXXX XXXX on XXXX XXXX. Since wells fargo could not guarantee the safety of my money I transferred most of my accounts to another bank. I did leave in enough money to cover my monthly automatic withdrawals as it would take time to notify all my accounts. Wells Fargo placed a hold on my newly formed account and would not allow bill payment until I spoke with a supervisor, XXXX, in fraud protection. Wells Fargo also sent my new checks and ATM card via postal service and I still do n't have then as of XXXX XXXX. Also every single day since the XXXX XXXX the Wells Fargo online system locks my account access so I ca n't verify any activity without contacting customer service and the fraud department to unlock and reset my password. If Only Wells Fargo would have been as diligent in stopping transactions before the fraud, none of this may have occurred.
Consumer complaint received 2022-05-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION (CA)

I routinely make a small dollar money transfers to my husband ( about every two months ) to his XXXX XXXX XXXXXXXX account from my XXXXXXXX XXXX XXXX XXXX XXXX XXXX account using XXXX The money usually posts within a few minutes. However, my recent transfer stated delayed and a message that it may take up to three business days to post. I called Xoom about the delay and they stated they would send an email to me and to respond to it by sending a screen shot of my account showing the last four digits of my account, the XOOM amount debited from the account and a positive balance and that they would then manually credit the transfer. I was able to send them a screen shot showing all that was asked for. I later received a second email stating to send the info again. I re-sent the info again and even highlighted on the screen shot each item they specifically asked for in their email. I then received a third email stating, they actually needed the bank statement. It appears they are purposely giving me the runaround and delaying the credit but continuously asking for items, and when provided they ask for more items which makes no sense. The first and second request from XOOM clearly stated what they needed and did it state a bank statement. Also, they know very well that a customer bank statement will not have a recent transaction on it, unless the statement cycle has ended and the transaction is captured for the statement cycle. Its clear that they are purposely giving customers the runaround when there is a delay in crediting their funds. It is especially upsetting when I have provided exactly what they asked for and they keep sending emails pretending to not have received what I sent, and asking for it again and later asking for something totally different in a third correspondence knowing that it can not be provided just by the nature of how the banking process works with statement cycles. I am fed up. I dont like the tone in the third email as its clear they are playing games with the customer. My transaction is low risk as I have transferred to and from these accounts for years with Xoom and so what they are doing is ridiculous especially since I complied with their requests. If they request info, and the customer provides it and later they request more info not originally asked for but clearly only to continue delay the transfer, thats a problem and needs to be addressed. Especially since it appears to be a delay tactic. Initially my {$200.00} transfer was to credit on XX/XX/XXXX that has changed to XX/XX/XXXX. The original transfer was made on XX/XX/XXXX and normally it credits that same day or one business day later. I have provided exactly what they needed to get the funds transferred and avoid the delay. However, on in its face, it appears they are unreasonably delaying and giving customers the around.
Consumer complaint received 2023-07-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (NY)

On XX/XX/12 I contacted Firstmark Services, the servicer for my XXXX XXXX XXXX My inquiry was simply if I had a forbearance available. The agent told me that I had 8 months of forbearance available on my account that could be used in 2 month periods. She then assisted me with applying for the forbearance and pushing my XXXX payment date past the timeframe they say it will take for the forbearance to be approved so I will not need to make a XXXX payment. 

XX/XX/XXXX comes and they automatically draft over {$400.00} from my account without any notification that the forbearance was denied. 

I contacted Firstmark again on the XXXX and was told my request was denied because a hardship and plan for resolution was not listed. I explained to the agent that I had lost my job and just gone back to work, but would not receive my first check for another month. I also explained that the previous representative never asked me that question when submitting the request, otherwise she would have gotten the same answer. The second agent resubmitted my request and requested that my payment be refunded as the unexpected payment caused my account to overdraft and left me with nothing to feed my kids or put gas in my car to get to my new job. 

Today I received notice that my forbearance request was denied yet again because as it turns out, it was never available on my account to begin with. Had my initial inquiry been answered correctly I may have had time to contact my other lenders and move funds around so I didnt end up in a situation where Im unable to provide for my family. 

Due to the carelessness of Firstmark and their staff Im now in a situation where I might lose this job because I cant afford to get there next week.
Consumer complaint received 2015-11-04
Product: Credit card — 
Issue: Delinquent account — 
Company: U.S. BANCORP (LA)

I have had a charge account with First National since XX/XX/XXXX never missed a payment. XX/XX/XXXX i set up a payment online that was due XX/XX/XXXX at the same time i set the account up for auto pay but using a different checking account.. 
First National Credit Card sent me a text one week later stating that my account was past due the same day i called to see why the account was past due. The rep informed me mmy payment could not be processed because the bank name didnt match the acct information. I confirmed the account information thatmy payments always came from while on the phone she wwas able to process the payment. 
FNB had mix the acct information up in the process of doing do reported my acct past due when i made the payment the same day i received notice.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear XXXX Dispute Resolution Team, I am writing to dispute the collection account associated with my credit report, as reported by XXXX XXXX XXXX, regarding an alleged debt to XXXX XXXX XXXX. The account details are as follows : Account Owner : Individual Account Date Reported : XX/XX/XXXX Account Status : Unpaid Original Amount Owed : {$1100.00} Original Creditor : XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Agency : XXXX XXXX XXXX Delinquency Date : [ Not Provided ] Balance Owed : {$1100.00} Comments : Consumer Disputes This Account Information Balance Date : XX/XX/XXXX Date of First Delinquency : [ Not Provided ] Agency Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX I dispute this account on the grounds that it is not mine, and it appears to be the result of fraudulent activity. Upon reviewing the information provided by the reporting agency, there is no evidence of my social security number associated with the contract, nor is there a wet signature that matches mine. This leads me to believe that my personal information has been used fraudulently to open this account.

I request a thorough investigation into this matter to verify the authenticity of the debt and to ensure the removal of this inaccurate information from my credit report. I am prepared to provide any necessary documentation or evidence to support my claim.

Please treat this matter with the utmost urgency, as it has serious implications for my financial well-being. I look forward to receiving confirmation of the dispute and resolution within the designated timeframe.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-24
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: AMERICAN EXPRESS COMPANY (PA)

Ive had multiple new account inquiries trying to open a credit line : XXXX XXXX AMEX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 American Express I did not inquire about anyone looking into my credit nor apply for any credit card recently.
Consumer complaint received 2023-01-30
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)

I am interested in disputing all incorrect data on my credit report with Equifax. alot of information is not accurate and is hindering me from approvals. please update all listed items to be removed asap.
Consumer complaint received 2022-05-24
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

Today XX/XX/2021 I recived a call from a collector i answers and told them that the debt is not correct due to I do not have any copay or out of network balance she was berry nasty and told me that I do not know what I am talking about and that will be in my credit and I dont worry about my credit after repeating my self that the bill is wrong she still continue to act in a bad manner and yelling and hang up
Consumer complaint received 2015-07-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NC)

I have a mortgage with Wells Fargo Home Mortgage I unfortunately, I got XXXX months behide in my mortgage payments. However, I missed XXXX and XXXX 2015 payments, but I was on track with my XXXX 2015 until present. Technically and legally i am only XXXX and XXXX months behide. I agreed in XXXX 2015 to pay XXXX to bring my mortgage current starting in XXXX. My bank sent Wells Fargo a check in the amount of XXXX on XXXX XXXX 2015 for XXXX payment and also in XXXX XXXX for XXXX payment. Wells Fargo now is saying that I 'm XXXX behind and has put a foreclosure in place. When I called Wells Fargo to ask why did not my XXXX payment get applied to my loan, they claimed it was no where to be find. I have copies of all the checks, i have proof that Well Fargo cashed the checks. Then Wells Fargo did not accept the XXXX payment of XXXX. My checks from XXXX until present have not been applied to my loan. Then they have lost a check worth XXXX and saying it do not exit and now want to foreclosure my house because of their mistake. I need a resolution Wells Fargo must not be allowed to get away with this kind of practice!!!!!!!!! as a loan lender.
Consumer complaint received 2022-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/XXXX I made a transfer from my XXXX XXXX XXXX account ( XXXX ) to my XXXX checking account ending in XXXX. That transfer properly made it into the XXXX account the next business day XX/XX/XXXX. I did another transfer on XX/XX/XXXX from my XXXX to XXXX for {$630.00}. I noticed after about a week this particular transfer never showed up in the XXXX account. I made my first contact with XXXX on XX/XX/XXXX who instructed me to make a dispute for the missing transfer. I followed their guidelines and did the dispute through XXXX. Within a day the dispute was closed with XXXX stating that I would have to contact XXXX to fix the missing dispute. 

I called XXXX  that same day, uploaded my statements that showed I had more than enough funds in the account to succesfully make the transfer. XXXX  even provided me the 15 digit reference number for this transfer. They instructed me to provide this information to XXXX and I did. In the meantime, to keep our checking account with XXXX from being negative I initiated another transfer XX/XX/XXXX for {$310.00}. The same problem happened with this transfer and it never made it into the XXXX checking account. 
I contacted XXXX immediatly to open another dispute. At the time I was not sure what the proper protocol was so I was in contact with both Banks. I provided XXXX with the 15 reference number for this transfer. 

Within a few days XX/XX/XXXX. XXXX had refunded me those two missing transfers after I uploaded supporting documentation and statements highligting the missing transfers, dates and how they never appeared in the XXXX account. On XX/XX/XXXX and XX/XX/XXXX XXXX penalized the account for the two amounts I had disputed ( {$630.00} and {$310.00} ) they took these amounts out of our XXXX checking account without any reason. This in turn put the account in the negative.XXXX  claims XXXX needs to fix this issue however XXXX  has honored there role and reimbursed my XXXX  for the two missing transfers, a representitive claims that since XXXX 's system penalized our account for those 2 amounts then XXXX would need to honor their mistake and correct it. 

I have been fighting with them to fix this but they keep saying I am liable even though I have supporting documentation to highlight their error.
Consumer complaint received 2022-05-24
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sterling Infosystems Inc. (FL)

I have two reports that were completed : one on on XX/XX/2022 and one on XX/XX/2022. After many phone calls and follow ups, the report completed on XX/XX/XXXX came back clear after 42 days. There is information in the second report that was not included in the initial report and goes a lot further than the 7 or 10 year history. It actually goes back 16 years which has never happened before when applying for a job. The report on XX/XX/XXXX is reporting old information, and that is what I am disputing. Even in the report itself it states 7 year history.
Consumer complaint received 2022-05-24
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. (MA)

Late payments are being illegally and inaccurately reported on my consumer report. I've contacted them to have this removed and it has not been removed. This is causing me extreme stress and frustration as they can not be trusted. They are damaging my character with this inaccurate information reporting on my report.
Consumer complaint received 2022-05-24
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)

Late payments are being illegally and inaccurately reported on my consumer report. I've contacted them to have this removed and it has not been removed. This is causing me extreme stress  and frustration as they can not be trusted. They are damaging my character with this inaccurate information reporting on my credit report.
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX has incorrectly reported our mortgage loan balance as increasing to XXXX  and Equifax for two months in a row. 

On XX/XX/XXXX XXXX XXXX incorrectly reported a balance increase of {$540.00} from {$75000.00} to {$76000.00}. 

On XX/XX/XXXX XXXX XXXX incorrectly reported a balance increase of {$1600.00} from {$76000.00} to {$77000.00}. 

The loan balance as of XX/XX/XXXX on the XXXX XXXX page for our account is {$74000.00}. 

This has had a negative impact on our credit report for two months running lowering our score.
Consumer complaint received 2015-06-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION (AE)

I was scammed out a get money quick theme. He needed money sent to him through XXXX took nothing from me but the check was fraud and now I owe XXXX I have the number for the person he wo n't answer I called XXXX but I want my money back now. This is stressful
Consumer complaint received 2022-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

Account # XXXX was never my account. It was seen on my credit report as a collection. Ive complained to Cfpb and to the credit monitoring companies. No response from no one so I paid the debt. 
I just would like the collection off of my report.
Consumer complaint received 2019-06-12
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. (TX)

XXXX XXXX has incorrectly reported our mortgage loan balance as increasing to TransUnion and XXXX for two months in a row. 

On XX/XX/XXXX XXXX XXXX incorrectly reported a balance increase of {$540.00} from {$75000.00} to {$76000.00}. 

On XX/XX/XXXX XXXX XXXX incorrectly reported a balance increase of {$1600.00} from {$76000.00} to {$77000.00}. 

The loan balance as of XX/XX/XXXX on the XXXX XXXX page for our account is {$74000.00}. 

This has had a negative impact on our credit report for two months running lowering our score.