davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-02
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. 

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 

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 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I SEE THAT THERE ARE PUBLIC RECORD THATS SHOWING ON MY CREDIT FILE I NEVER HAD ANY PR, SO I WOULD LIKE TO SEE THAT THIS MATTER IS UPDATE AND REMOVE ASAP. 

XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX
Consumer complaint received 2023-03-02
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. (OK)

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 account number:XXXX.account name : 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 section 2 : it also State a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681 C. ( 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 andodates the report by more than 7 years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) a person should 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 2019-02-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TD BANK US HOLDING COMPANY (FL)

I received a loan through TD Bank for my business. The loan is backed by XXXX. When we did our business plan we asked for {$50000.00}. They only allowed us {$25000.00}. when we finally received the loan, which took forever, renovated the building and then applied for XXXX two common license us. From XXXX, when we got the loan until XXXX XXXX did not come out. XXXX took 5 months to give us our license. it only takes 45 days to become licensed. XXXX fired the lady who did this to us but, we are still in a bad situation. We ask the bank to increase our loan and work out a repayment with us. But they refuse to connect with us. speaking to other lenders, they said that this Bank did I said end justice anyway. Now we are requesting for more funds and to work out a different payment arrangement. We have now become behind on our rent by {$3300.00}. TD Bank should be made responsible for answering consumers questions and making sure that they are knowledgeable of what they're doing. The reason it took so long for us to get our loan is because they kept telling us we were approved and then telling us that they need additional paperwork. My loan officer kept saying she didn't know what she was doing. I feel like they shouldn't have new people in that position if they don't know how to do the job
Consumer complaint received 2019-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/XXXX : It was brought to my attention that my phone number had been ported and thieves had gained access to all of my financial accounts, including Capital One. 

XX/XX/XXXX : I filed a police report with the XXXX County Sheriff 's Office regarding the theft and reported all debt as fraudulent to the various financial institutions, including Capital One. 

~1 Month later : All banks cleared the debt, issued new cards, etc EXCEPT Capital One. Several follow up calls later and they still would not resolve this issue in my favor. 

XX/XX/XXXX : Capital One sent the debt to collections and I was contacted by a collections agency for {$2700.00}. This debt is NOT MINE and was from purchases at XXXX in a different part of the state. I called this agency ( XXXX and XXXX PA ) on XX/XX/XXXX and the rep advised they would send the file to compliance when I advised them of the situation. 

XX/XX/XXXX : I received another letter from the agency that they are seeking legal action against me. I called and this time they requested the police report so they could send it to fraud. I submitted this information. 

XX/XX/XXXX : I received another letter saying they had contacted Capital One and they have verified the debt as legitimate. 


Capital One is not behaving in my best interest as a verified victim of identity theft. This issue should be resolved in my favor and has caused significant heartache on my behalf.
Consumer complaint received 2023-03-02
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: Experian Information Solutions Inc. (NC)

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely.
Consumer complaint received 2022-06-02
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: CITIZENS FINANCIAL GROUP, INC. (NC)

Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports, it is fraudulent to have reported the account in question without my written consent. Please provide evidence of such consent, or remove the item in question.

Furthermore, IRS Form 1099-C provides for charge-off accounts to be filed as income for the creditor. As such, income shall not be reported as a debt. I again insist that the item in question be removed.
Consumer complaint received 2024-01-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received a denial for a Bank of America credit card XX/XX/2023, XX/XX/2023 and XX/XX/2023. My account was in good standing during all 3 of these requests. The 3 denial letters state I was denied on my XXXX and XXXX credit report. Regardless of the reason for being denied I have the right to credit. Withholding my access to securities is securities fraud. The corporation Bank of America is violating the Equal Credit Opportunity Act and Consumer Credit Protection Act. Title 15 USC 1691a states it is unlawful for any creditor to discriminate against any applicant. The Truth and Lending Act protects consumers from inaccurate and unfair credit and billing practices. Reporting to a consumer agency is voluntary according to the CFPB. In fact denial of my right to credit caused me distress. There are no federal laws stating a credit score can deny me my right to extended credit. 

XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-03-21
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. (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. 

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 and 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 2023-03-02
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. State 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 166b Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2024-01-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (WA)

American Express charged my card for {$360.00} on XX/XX/XXXX, claiming that this fee is for reversal of a previous credit. However until now, American Express only provides reason for {$200.00} in {$360.00}. It fails to provide a reason for the remaining charges.
Consumer complaint received 2023-03-02
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. (NC)

In accordance with the Fair Credit Reporting Act in regards to Account # XXXX XXXX XXXX XXXX, XXXX XXXX  has violated my rights in regards to the following laws : 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. States : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666b. States : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681 ( a ) ( d ) ( 1 ) ( 2 ) States : Definitions and exclusions.
Consumer complaint received 2023-03-02
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. (FL)

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX- XXXX 15 USC 1681 Section 602 A, states I have a right to privacy. 

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

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (PA)

XX/XX/2022, I requested to have my student loan payments during the pandemic refunded to me as they were voluntary payments. This amount is around {$5000.00}. I was informed via messenger from Mohela that my request was submitted and it would take 30 days to be processed. A month later in XXXX, I requested to have my student loans consolidated. I originally had 8 student loans and wanted them consolidated to show less loans on my credit report. My consolidation request was granted, but I never received my refund. After speaking with Mohela, I was informed that the U.S Department of Education took it upon themselves to cancel my request for my refund, and to approve the consolidation loan without speaking to me for clarification. The system is showing the consolidation loan was requested prior to the refund but that is 100 % inaccurate. I believe there is potential corruption in this decision. Someone could have pocketed my refund instead of giving it back to me. 

Im asking for money back that are my earnings and I was informed I could receive it back as a refund which would help me financially. On my end, I submitted the request correctly. I attempted to call Mohela and could never get on the phone with them. They were impossible to reach during this time. They still are! I spent three hours today attempting to speak with the resolution department. The only way I could reach them was via messenger on their website. This is how I submitted the request and they verified they submitted it for me. The resolution department is impossible to get in contact with. I called XXXX, and have no automated option to reach the resolution department. I go through hoops to speak with someone, and then they transfer me to the resolution department which never answers. I sit on hold for hours until I can no longer do it. I only have so much time in a Monday to Friday time frame business hours where I am available to speak to someone about this for help. It is exhausting. They are never available to help me. I am hitting a wall with this situation and it is wrong. I should not be penalized due to the inability of the US Department of Education and Mohela not being able to process requests orderly and timely. I spoke to the Department of Education and they confirmed Mohela is responsible for canceling my refund request and allowing the consolidation loan to process.
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (TX)

Direct deposit Social Security payment shown as part of available balance in my single owner savings account, 2 days " early. '' I transferred some funds to another account. The next day, WF showed my account overdrawn. No overdraft fee was changed, but a monthly service fee was charged because the overdraft brought the balance below the daily minimum balance of {$300.00}. Because the balance was already below the daily minimum on XX/XX/XXXX, WF will charge me a monthly service fee for XX/XX/XXXX. 

I would never have been required to pay a monthly service if WF had not shown the SS deposit as a vailable funds when it was not actually available. WF sanitized the account documents to reflect the direct deposit date, so I have no document showing what WF did. WF blamed the Social Security Administration for this problem.
Consumer complaint received 2023-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (ME)

Hello, I have XXXX in student loans held at Mohela. I have worked more than 10 years at a PSLF qualifying non-profit making payments so I qualify for PSLF. On XXXXXX/XX/2022 I submitted a final employment verification that would put me over the 120 required payment mark. It is still processing today XXXX. 

My non-profit employer has announced that my job along with >1000 others will be transferred to a for-profit company at the end of XXXX. 

On the phone today with Mohela I was told on my first call that it wouldn't be a problem. My employer asked me to call again and verify and get it in writing so I called back. With another representative I was told the opposite that there is fine print stating I need to be working for the non-profit AT THE TIME of loan discharge even if I surpassed the 10 year requirement. I was also informed that even though my application has been pending for 2 full months it is well below 90 business days and once approved there would be ANOTHER 90 business days to adjust my qualifying payment counts and then ANOTHER 90 business days to get the loans discharged. 3 Rounds of 90 business days to process is more than a year 's worth of business days so it could take over 11 years working for a non-profit to get loans discharged which was not the intent of the program.
Consumer complaint received 2023-03-01
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 (CA)

On XX/XX/2022 I requested a full refund on any applicable student loan payments made during the federal pause ( XXXX ), in accordance with the CARES Act. MOHELA, my student loan service provider has yet to provide any indication of the status of reimbursement and has not provided any response since the initial inquiry.
Consumer complaint received 2022-06-02
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9400.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3600.00} ; XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$6600.00} ; XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$1000.00}.
Consumer complaint received 2019-02-05
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. (FL)

The account was closed paid and XXXX balance but it continue to report account as late and it keeps affecting my credit report. Each year it places a annual fee and if I don't pay it is shows late. Even thru I am not able to use the account. I have disputed the accounts several times but it keeps coming back account verified. I tried to send a cert letter to address know to system but it was returned attempt unknown. I really need help because it keeps dropping points on my credit report and I am unable to apply for credit and its not my fault.
Consumer complaint received 2021-02-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (FL)

*** This is NOT a duplicate complaint*** I was told by CFPB representative to make sure that I put that sentence in the top headline. I have made over 10 phone calls to the CFPB and months of phones to Wells Fargo Bank. 

I note CFPB Complaints : XXXX XX/XX/2020 XXXX XX/XX/2020 Wells Fargo has refused to give me records of all my accounts opened and closed with their bank since inception. Wells Fargo has lied to me and to the CFPB on numerous occasions. In the last answer to my complaint, Wells Fargo ( WF ) promised to reach out to the CFPB and to me which they never did. WF in their answer submitted a false link file in which it was unopenable by myself and unopenable by the CFPB. I have made numerous phone calls identifying this direct refusal and misdirection of resolve. WF closed my accounts which had several fraudulent transactions on them, these included fake sham accounts that their bankers had opened and closed, when I recognized these large charges in the thousands of dollars and complained ( See XXXX Charge : XXXX XXXX ), WF closed these accounts and offered me no remedy in repayment. They have caused irreparable financial harm to me. In my last complaint where I asked WF to remedy their harmful actions and sent me ALL my account information and statements Wells Fargo provided a false link which was unopenable and for me and the CFPB. WF has gone out of their way to cover up their frauds, they have caused me tens of thousands in dollars due to their frauds, refused to provide me with accounts as the are legally required to do, and lied to the regulators which a criminal act. 

I have been dealing with these issues for years now and this has cost me money and hundred of hours of my time. Their actions are deplorable and they certainly are not living up to their promises by their past 2 CEOs and lied to several government committees including the Senate Committee on Banking, Housing, and Urban Affairs. They have not honored their agreements to penalties by the CFPB and to their own promises to remediation. 

I look forward to the positive changes that your regulating body, the CFPB, will enact based upon these continued frauds that have been exposed dating back a decade now. Please also consider the several class-action lawsuits that have been recently filed over a series of issues. I have been seeking remedy for these frauds for over 6 years now with NO proper resolve. 

Thank you, XXXX XXXX XXXX