davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has failed to report accurate information on my credit report impacting my overall XXXX XXXX. Multiple times I have contacted XXXX XXXX, XXXX, Transunion and XXXX to verify the accuracy of the account being reported and they have stated that the information being reported is accurate. In 2019 I received a Cancellation of debt for 1099-C for the amount of debt discharge of {$6900.00}. Reliable credit reports on XXXX a total balance of {$8400.00}. 

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, also states a consumer reporting agency can not furnish a account without my written instruction. 

XXXX, Transunion and XXXX has failed to do a proper and accurate investigation and has validated the accuracy of an account that is not accurate.
Consumer complaint received 2022-09-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

An International Wire transfer was submitted to Chase with the assistance of a Private Banking Representative to ensure process was followed correctly. 

The transaction was cancelled by Chase with no reason given. 

A 2nd attempt was made, again with the assistance of a rep who assured the transaction was approved. 

Again Cancelled - no reason given. No phone call to verify transfer was legit - nothing. 

This happened a total of 4 times with no satisfaction. We gave up. 

Chase is blocking us from accessing and using our funds. We can't get to our money.
Consumer complaint received 2019-02-04
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 — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc. (GA)

XXXX has been non-compliant with removing the unverified account SANTANDER CONSUMER U Opened Date XX/XX/2015 which has been deleted by XXXX  and XXXX. XXXX   and XXXX  have both completed their research and determined that SANTANDER CONSUMER U was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2019-02-04
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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (GA)

XXXX has been non-compliant with removing the unverified account WELLS FARGO CARD SER Opened Date XX/XX/2009 which has been deleted by XXXX and XXXX. XXXX   and XXXX  have both completed their research and determined that WELLS FARGO CARD SER was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Receivables Performance Management, LLC (AZ)

In XXXX, XXXX XXXX XXXX XXXX reported my account as " 30 days past due '' which was incorrect. I'd never paid my account late. I contacted them directly and they refused to update my account status. I then disputed the inaccuracy of their reporting directly with each credit bureau which then confirmed through XXXX XXXX XXXX that the status was accurate, but it is not. Additionally, each credit bureau is reporting a different " delinquent payment '' month which further process the inaccuracy of the reporting. 

In XX/XX/XXXX, Receivables Performance reported a collection account to XXXX on behalf of XXXX. I directly disputed the validity of this account with the credit bureau with no resolve. Additionally, I contacted the collection agency by mail since I'd not received any formal communication about this alleged debt prior to reporting which is a violation of the FDCPA. I've yet to receive a response from the collection agency and the account remains on my XXXX credit report.
Consumer complaint received 2017-07-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TX)

For the past 3 years, I have been receiving threats via phone call about how they are going to purposely damage my credit. I explained to them that the debt is not mine and is incorrect. They continue to call and send me emails trying to intimidate me and threaten me that will that they will garnish my pay check, sue me and will charge me the debt if they ever got a hand on credit card information. They also called my employer and embarrassed me in front of my work place and were making threatening calls to me at my job. I disputed the collection charge from all 3 credit bureaus but have not find any resolutions for the harassment and incorrect debt collection. They incorrect debt they are harassing me for and making my life a complete XXXX is for {$430.00} & {$190.00}.
Consumer complaint received 2022-09-02
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: I.C. System, Inc. (CA)

[ XXXX XXXX XXXX # XXXX has violated my rights. 

[ I.C. SYSTEM, INC ACCOUNT # XXXX has violated my rights. 

[ XXXX ACCOUNT # XXXX has violated my rights. 
THIS HAPPENED IN THE MONTHS OF XXXX - XXXX OF XXXX, XXXX - XXXX OF XXXX, XXXX - XXXX OF XXXX Under 15 USC 1681 section 602 states, I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I just speeded both of this with XXXX as well as TransUnion they're showing for folio management company that is still as I open collection amount with a XXXX balance I've requested them to remove it because it was paid in full and satisfied now they're telling me that the company responded back saying this company this is a correct amount and it will stay in your credit report if it's paid in full and no longer active it should no longer be reported on my credit to hurt my credit in order to obtain other items cuz it's showing as an open collection or if it shows other clothes collection is still needs to be removed from my collection credit report for both Transunion and Equifax
Consumer complaint received 2024-03-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/23, I was treated with prejudice at Wells Fargo Bank. I had made an appointment at the closest Wells Fargo Bank on this date at XXXX XXXX to change my legal name due to marriage. I met with XXXX XXXX, Associate Personal Banker. XXXX XXXX was ill and was coughing and blowing her nose ( she should not have been working with customers ). I gave her my paperwork : original marriage certificate, original stamped & signed court decree granting the petition for change of name, and my driver 's license & social security, both with my new name. She copied it and sent it to an office who approves such changes. It was DENIED! 
I believe that since my decree was from the TRIBAL COURTS OF XXXX XXXX XXXX XXXX XXXX STATE OF ARIZONA, it was not recognized as complete and original. It was the original signed decree from the Hon. Judge of the Tribal Court. It is also my belief that because XXXX XXXX was not feeling well, she failed to copy and send the entire documents and, therefore, inaccurately performed the procedure of making a name change. 
The manager of the bank, XXXX XXXX, was with another customer but paused to help. XXXX XXXX was abrupt, rude, and dismissive toward me. She said if it's denied, it's denied, and there was nothing she could do. I explained I had my accounts for many years, including prior business accounts, and paid off loans with Wells Fargo. I asked her to review my paperwork, my long-standing favorable history, with the higher authority for approval. She looked at my old, damaged file folder holding my paperwork and did not bother to review it, saying if it's denied, it's denied. 
I believe that XXXX XXXX 's attitude of hostility and opinion of me ( a Native American in gym clothes with a beat-up file folder ) was prejudiced. XXXX XXXX made this judgment and disregarded the Tribal Court 's decree, saying it was incomplete and a copy. I requested her to re-examine my paperwork and my bank history, but she did not, therefore prejudiced, with no just grounds or sufficient knowledge of my legal rights. I do understand that she had a customer waiting, but she could have agreed to examine my paperwork at a later time and she would have seen it was a complete and original marriage certificate and legal decree with an original seal and signature. 
I believe that I -- and the Tribal Court of XXXX XXXX XXXX XXXX XXXX -- were treated with prejudice and the court 's decree was disregarded as insignificant. 
I am making this complaint BEFORE filing a complaint and class action suit with the Tribal Court.
Consumer complaint received 2022-09-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: OCEANSIDE MORTGAGE COMPANY (SC)

Hello I did a forbearance from XX/XX/XXXX XXXX XXXX for Covid-related matters All dates of communication are listed below. 
Oceanside Mortgage Loan XXXX. XXXX Nearing the end of my forbearance. Oceanside reach out to me because I was then just starting a new job. I advised that I would go into my IRA and bring my mortgage current. The person I spoke with was adamant that no dont do that we will work with you on Loss mitigation and I told them I dont want youll try to take my house, I advised this server Al times and was promised no that is not what we will do. About a month later I received a letter from an attorney stating there was a foreclosure started on my home. I called Oceanside again and advised I ask them specifically because I did not want a foreclosure to lose my home. I asked why several times why would youll tell me no we will not do that and did it anyway costing me an additional XXXX XXXXXXXX in attorneys fees. I feel wronged in so many ways that I tried to avoid unnecessary fees and they went behind my back to file the foreclosure again which I tried to avoid. I had a XXXX in XXXX and I can not complete complicated paperwork and I told that lady that also. 
Loss mitigation XX/XX/XXXX foreclosure was closed XX/XX/XXXX start of the approval XXXX was advised no notes are on my account during XX/XX/XXXX LOSS mid XXXX LOSS mid XXXX Loss mid XXXX inbound XX/XX/XXXX inbound XXXX inbound XX/XX/XXXX inbound XX/XX/XXXX outbound XX/XX/XXXX outbound XXXX outbound XXXX outbound did not make through to me XX/XX/XXXX same as above XX/XX/XXXX inbound All the above dates are in XXXX I would like my fee back and yes I have been back on track paying early and extra each month as I advised earlier when all this started. Please help I feel discriminated against and wronged.
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whom it may concern, After careful review of my report and study of my rights as a consumer under FCRA, FRA, it has come to my attention that there are several inaccuracies within that need to be corrected immediately. 

The following account was a Charge-off. Balance should be XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 3.The Following Account Was A Charge-Of. Balance should be XXXX. XXXX Account Number : XXXX The Following Account Was A Charge-Of... 
* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 
Thank You, XXXX XXXX
Consumer complaint received 2022-09-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (DC)

I am closing on a home and I requested from Toyota a good status letter on Friday, XX/XX/2022 and was told I would receive it in 24 hours. I called Monday, XX/XX/2022 and was told that it take 24 to 48 hours and I should receive it by the end of day. I called again on XX/XX/2022 and was told by two customer service reps that they are escalating my matter and I will have the document by the close of business on Tuesday. I called again on XX/XX/2022 and was told that the form filled out was blank and they will submit a new request and have my document ready. I called again XX/XX/XXXX and XXXX and as of now still nothing. I had to move my closing date because of the inefficiencies of XXXX and I still not have received my good standing letter as promised.
Consumer complaint received 2022-09-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (OH)

During the XXXX 2022 timeframe, I was scammed to invest in a mining pool and without my authorization, the full amount was transferred from my Coinbase  Wallet . The perpetrators asked me for more money, and I decided to report the situation to Coinbase.
Consumer complaint received 2020-12-23
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. (FL)

I reviewed my credit. I notice Accounts that I did Not Give any Consent to. I have never open any of theses Fraudulent accounts with These companies. I need Information On How these accounts was open without My consent this Report is to Help Me resolve This Matter. I'm a victim of identity Theft. I cant understand how Accounts was open without Proven My identity. I want These Accounts off My Credit.

Thank you
Consumer complaint received 2022-09-02
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2017-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On X/XX/17 I reached a settlement agreement with XXXX XXXX XXXX for the account ending in XXXX with an original balance of {$14000.00}. The account is now paid in full. XXXX XXXX XXXX updated my credit report with all three bureaus to reflect the payment I made, showing a remaining balance due. The accounts do not show paid in full and remain as charge offs. I have exhausted the dispute resolution process with XXXX Transunion, and XXXX and am seeking assistance from the CFPB to resolve the matter. I have attached the settlement letter and a recent copy of my 3 bureau credit report. <P/>XXXX XXXX XXXX has been paid since XXXX and the company has failed to timely send confirmation of settlement to me, and failed to accurately report the account on my 3 credit reports, to include inaccurate investigation results.
Consumer complaint received 2022-09-02
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-02-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (LA)

To Whom It May Concern : I started paying extra on the loan on XX/XX/2018. Then I notice the payment amount going down and the due date getting further away. On the first occasion I spoke to the company, Nissan motor acceptance corp, the rep told me that my extra payments were being applied correctly and that if I payed extra it went to the principle. I asked why does my payment amount change and the due date get further away. He gave me an unsatisfactory explanation about some customers like that so if they need to pay latter or pay less they can. I told him I didn't want this, I didn't ask for this and I wanted my bill to go back according the loan contract. It did not, as you can see in the attached documents, the payment keeps getting less and the due date further away. 

In my opinion, they are doing this to trick people into paying less so they can earn more interest. This should not be allowed, I have a loan contract and they should be bound to follow it. 

I called again and told them I wanted to see how my payments were being applied, and they sent my an amortization schedule instead. And as you can see, it is the same payment amount and the same due date every month. This made me more suspicious that they were hiding something. 

So I called back and made sure the rep this time understood that I want to see how my payments were being applied and the interest paid, the accounting in other words. When I got that, as you can see, the interest payments go up and down. It should be going down continuously not up and down like this. I feel Nissan is not applying my extra payments correctly, not applying the payment consistently on the same date, and they are not following there own amortization schedule. 
I need someone to look at this that knows how this should be, it just doesn't look right to me. 

Thanks for the help. 
Sincerely, XXXX XXXX