davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I must contact my attorney and pursue legal action. 

Heres the list of the questionable items : XXXX XXXX XXXX - Account NumberXXXX I don't recall having late payments on this account XXXX XXXX XXXX - Account XXXX Please verify and validate all data for this unproven claim including the requisite certifiable XXXX XXXX Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement, and all of its trailing fragments, and any other necessary aspect of factual reporting XXXX - Account NumberXXXX Please remove it from my public record XXXX - Account Number:XXXX  Please supply information on how you have verified this item. 
XXXX XXXX XXXX  - Account NumberXXXX This is not mine.
Consumer complaint received 2019-09-30
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: CL Holdings LLC (MD)

XXXX reported {$520.00} as unpaid to my credit which was incorrect, I disputed it and it was removed from my report. Then it was sold to another Jefferson Capital System bought the account and with no notice or a chance to dispute, they just reported it to my account and this has impacted my credit score and ability to get a job,
Consumer complaint received 2021-07-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (CA)

In XXXX I thought closed a US bank account in XXXX, Ca. In XXXX I was notified it had not been closed and there was a maintenance fee {$4.00} for not having any money in it followed by a " forced close account '' fee {$34.00}. Thus creating a bill. Young, XXXX and really not feeling responsible for it when I hadn't used the account in 2 years I dismissed it. In XXXX, I recieved a voicemail from XXXX XXXX XXXX asking me to contact them within 10 days or I would be taken to court. I called them and they told me I owed {$1200.00} for this US bank account " overdraft ''. I closed the account, how could I have been overdrafted and accrued this INSANE bill??? I was endangered of my wages being garnished. I asked for proof and a statement. I also asked for a settlement or payment plan as I could not afford a lien, or civil action. I did not have resources, knowledge, or internet and I already worked every chance I could. I live in a rural community and work at a little grocery store. I had a XXXX year old to take care of. The situation was frightening. They knew where I worked, my family, everything. I paid them {$620.00}, of which {$140.00} was rolled change! It was everything we had or could come up with and XXXX accepted. I recieved the letter stating the debt was paid and I owed {$0.00}. Since XXXX, there have been several attempts to either collect on this again for the full amount by other companies, or wanting the remaining balance of the initial {$1200.00}. 
XXXX XXXX of XXXX XXXX XXXX XXXX today XX/XX/XXXX wanting balance An associate firm XXXX wanting total debt from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX company I paid {$620.00} to settle These monsters are terrorists! 
I also am filing a complaint against US BANK. How can they " free for all my information '' and put me at risk to haunt me for over a decade! It was a made up debt! It was a form of punishment for closing my account! And how can debts get resold over and over? This is disgusting. I feel robbed, and I'm angry that my tax dollars help this corrupt system and gross " leaching of the poor '' practices! I helped bail you out US! How is this legal? Why is this happening in America? This is parasitic! Why is all of America 's leadership across all vectors of government NOT HANDLING THIS!????!!!?
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (TX)

I was gifted a {$100.00} virtual Vanilla gift card from my boss via company email for XXXX XXXX on XX/XX/XXXX. I never used the card, primarily because I didnt know how to redeem it. I recently went back to this email and clicked the link included and found that there were 2 transactions against this card totaling {$88.00} that I did not originate or authorize. I called Vanilla customer service and was told that they would be willing to re-issue a new card for the remaining {$12.00} balance and that they would investigate the charges but would likely not be able to recover the stolen funds. 

I understand that gift cards are like cash and therefore, limited recovery is available if lost or stolen. However, my complaint is this was issued as a virtual card so in theory, no one other than the buyer ( my boss ) and the recipient ( me ) should have had access to the specific information on the card. Therefore, assuming this company took even precursory precautions to insist that all information from the card be included for a successful transaction, the fraud would have been detected when the perpetrator wouldnt have known the CVV or who the card was issued to. The other problem with the position the company takes is the loss was not the result of any act or omission on my part nor on the part of the original buyer of the card. We know that since neither of us has so much as looked at the card or the account since XX/XX/XXXX. So therefore, the account number and security information must have been stolen from off of Vanilla systems or due to lax policies and procedures at Vanilla regarding customer data and fraud detection. And yet, their position is that they are not responsible in any way for the loss they caused. Astounding. 

Obviously, I dont expect this to result in any further communication or recovery but I do think it is worth my time to open a complaint in the event that enough of these kinds of complaints might eventually lead to better regulation and controls being put in place around this industry and their products. I will also be forwarding the complaint to the CFPB for their investigation as well. And finally, as someone who has never purchased a Vanilla gift card and has had only one experience with the company and its products, based on what I have seen here, I would never purchase one of their products unless or until the proper regulatory framework is put in place to ensure that even basic protection of customer data and fraud detection is mandated.
Consumer complaint received 2022-05-13
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 acXXXX XXXX XXXX # 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 15 U.S.C 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 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Case # XXXX, XXXX XXXX employee # XXXX Case # XXXX, XXXX XXXX employee # XXXX Capital One has daily wire transfers limits to a title company for up to $ XXXX for real estate transactions and only $ XXXX to a business or individuals. If the business is another bank in order to pay down a mortgage, this does not meet Capital One 's definition of a real estate transaction and the $ XXXX daily limit still applies. No exceptions. 

It was never made clear, after multiple requests to XXXX, why a title company poses less wire fraud risk than a bank. I attempted to seek an exception to this rule as it seems onerous to consumers to pose lower limits to another financial institution and potentially unfair and deceptive and may qualify as a violation of UDAAP. 

This limit or differentiation of potential limits based on wire type is not included in opening account disclosures, which seems deceptive : Here : https : //www.capitalone.com/bank/disclosures/rules-governing/ Here : https : //www.capitalone.com/bank/disclosures/wires/ The following resolutions were provided : - Send three separate wire transfers on three separate days to achieve sending $ XXXX and pay the {$30.00} wire transfer fee three times for a total of {$90.00}. Unfair, given that my request would cost {$60.00} more if a title company was involved as opposed to a bank. 
- Request a cashiers check which would take a potential of three business days to arrive.

I ultimately requested to receive the cashier 's check, but will have to pay an additional three days ( plus two days on the weekend ) interest on my mortgage because of this unfair and deceptive practice which will cost me an additional {$190.00} in mortgage interest. 

I will be ending my over 10 year relationship with Capital One because of this discriminatory and potentially non-compliant policy. I have also requested that this be reviewed on backend by Capital One which they explained would take 30 days.
Consumer complaint received 2022-05-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (CA)

For the last two weeks I have been trying to bring my account current with Sallie Mae. Every single time I call in, the agents give me the wrong information on the amount. On my account it said I had to make a payment of {$1000.00} to bring my account current. I called during the week of XX/XX/XXXX - XX/XX/XXXX, the first time the women told me it was {$1100.00} to bring my account current she assured me it was that amount. I called again and the man I spoke to told me the amount was not {$1100.00} it was {$1100.00} that I had to make to bring the account current. I told him where he was getting that number from because when I login it says {$1000.00}. He said no I had to pay {$1100.00}. I called again that same day in the afternoon after I had scrapped some money to make that payment. I am currently XXXX XXXX XXXX XXXX XXXX I care for so yes that money was difficult for me to come by. When I called in on XX/XX/XXXX a woman answered she assured me the previous amount of {$1100.00} was incorrect and that the correct amount was {$1000.00}. I asked her that was the amount that I was seeing on my screen and if that was correct? Again she reassured me like 5 times that was the correct amount. I asked her if that amount will bring my account current she said yes. I told her I would pay it. So I paid it and she said it would take two days to process. I hung up and I called back on XX/XX/XXXX to make sure the payment was processed. I was already feeling untrustworthy of the company but what happened next is not okay, period. The man told me my account was past due and that I needed to bring it current. I was appalled!! I told him the woman I spoke to on XX/XX/XXXX told me the amount of {$1000.00} would bring my account current. He said it did not because she did not process the payment correctly. So they took the money they did not hesitate but they did not process the payment " correctly ''. They said I have to wait 5 business days to get it " fixed '' on my account. How am I responsible for their fault? Why should I have to wait that long. I spoke to a manager and she was no help at all, she gave me an even longer time frame saying to call in a week from now to " see '' if it had been fixed. This company is the most unprofessional company I have dealt with. The fact that they are still in business is ridiculous. I have to pay for a mistake they made and the manager said " well you haven't accumulated any late fees yet '' on the mistake they made, like I should be thankful for that.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

When apply for a car loan, dealership put my loan application through other companies. Adding other hard inquires. 

also I'm seeing a hard inquiry from I believe to be XXXX that I did not do. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

When apply for a car loan, dealership put my loan application through other companies. Adding other hard inquires. 

also I'm seeing a hard inquiry from I believe to be XXXX that I did not do. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

See below My fax XXXX Solution recommended Sanctions on boa Monetary loss relief for myself from boa. 
I need info on nc teller details of transaction and signature and video of person doing transaction And I am still waiting for signature cards from XXXX for my solely owned XXXX ( as per our telephone call on late XX/XX/XXXX ) and bank location where account was opened and all signatures and cards issued to XXXX. 
As per XXXX intense fraud investigation of my boa accounts thru my complaints with the cfpb XXXX XXXX XXXX XXXX states in her XX/XX/XXXX to the consumer financial protection bureau that there were only 2 cards issued on my XXXX boa account # XXXX. Issued in XXXX temporarily And XXXX in late XX/XX/XXXX thru present BUT AS PER ATTACHED BoA XXXX ACCOUNT on XXXX XXXX XXXX there is a boa entry of # # # # # # # replacement atm debit card fee of {$5.00}. ON XXXX XXXX XXXX
Consumer complaint received 2020-10-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (IL)

Keep going to court. No one is helping. Covid has me unemployed and I want to keep my home. I would like to apply for the covid forbearance to allow me the time to fix to this. I have XXXX children and Im XXXX. I don't want to be homeless.
Consumer complaint received 2022-05-13
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  account # XXXX, and account # 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 2021-07-21
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)

To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeApartment complex THESE NAME VARIATIONS DO NOT BELONG TO ME XXXXXXXX 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 Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX XXXX, XXXX SOC  SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

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.

has violated my rights. Or a 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 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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.