davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Employer : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Employer : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiries : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NY)

WF froze my checking account due to problem with a suspected fraudulent deposit to my savings account. All my funds were frozen & WF even terminated my credit card account with them. I was not at fault for the issues I was having and they WF, terminated myover 15 years banking relationship
Consumer complaint received 2022-08-02
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.s/items which do not belong to me or was opened without my permission. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (GA)

I applied for the income based plan in XX/XX/2018. My application is still pending. I have spoken with over 10 different people whom are telling me something different each time I call. I have followed all the instructions given to me yet my application is still not approved. They told me to make a payment for at least {$5.00} in XX/XX/2018 and after then I should be fine. Well now I have a payment due for over {$500.00} which I can not afford. Now they are trying to offer me another courtesy forbearance stated by XXXX. I told her why should I have to keep adding more money to my account along with more interest and make things worser on me in the long run. These people play a lot of games and this just makes me sad or regret I ever went to school. I was told that this was my fault for filling out my application incorrectly. Something needs to happen but im not going to stop until someone hears my voice! Im reporting to everyone who will listen even if I have to contact a lawyer, mayor etc.
Consumer complaint received 2018-11-07
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. (GA)

I disputed the account with Equifax as " not mine '' but it recently came back as verified ... .I never had an account with ( Original Creditor : ) XXXX  They also wont give me evidence or verification as to why they will not remove the account. The error has affected my credit score Please delete immediately before further harm is done
Consumer complaint received 2018-11-07
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. (GA)

XXXX and Equifax failed to verify the accuracy of the account XXXX XXXX XXXX  .The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2022-08-02
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. (TX)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud pursuant to Section 605B of 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
Consumer complaint received 2022-08-02
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. (NY)

IN accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Has violated my rights. 15 U.S.C 1681 section 602A. 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 2022-08-02
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: EQUIFAX, INC. (CA)

I am appalled by the ablitity of the Credit Bureuas to ignore a consumer 's requests to investigate and correct the information being reported on my Credit report desite the countless dispute letters and CFPB Complaints I have been sending. I have read enough to understand my rights which is clearly being violated by the Credit reporting agencies. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: VW Credit, Inc (NJ)

In about XXXX my XXXX XXXX XXXX XXXX broke down. The dealer examined the car and said it was the engine. I informed XXXX corporate and they refused to repair it because it was XXXX miles out of warranty. I provided XXXX with proof of proper maintenance to the car. I made every attempt to resolve this issue but XXXX refused to work with me. They offered to pay for 50 % of the repair. The problem with that is my balance on the loan was approximately {$19000.00}. To repair the vehicle would be {$13000.00}. One half of that is {$6500.00}, which makes the entire cost {$25000.00} for repair and the balance on the car. According to XXXX XXXX XXXX the car was only worth {$13000.00}. I left the car at the dealership and cancelled the contract. It did n't make financial sense to continue to pay for a car that I was n't driving. All correspondence is attached hereto. I 've since found out that XXXX did n't repair the car and resell it but instead is selling it to a salvage company for scrap metal. XXXX should have repaired it and resold it.
Consumer complaint received 2022-12-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (WA)

Our Mtg was transferred or sold to SNSC Borrower Services. We were not contacted, so we sent our payment to the previous company, not knowing it should go elsewhere. 
That was the first problem. We have always had homeowners ' insurance in place, and it showed on the dec page they received with their paperwork but they still charged us an additional XXXX each month as we did not have it. Our insurance also sent request by fax to add them more then once. Company never responded. Thy also sent request for insurance payment at renewal that was never responded to so our coverage cancelled. As of today I an unable to even view our account or see our statements because they locked us out of the website. I feel I need to get an attorney, they are trying to to take our home. Why would they not respond to our homeowners insurance company, charge us for mtg and take it our to pay for us but not pay it? Please let me know if you need to talk to our homeowners representative.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (MD)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Addresses : XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Employer : XXXX XXXX XXXX XXXX XXXX Collecons : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Experian Addresses : XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Employer : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX Collecons : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

About XXXX months ago I opened a checking account up with Capital One I received my debit card and once I made my first deposit my account was closed days after locking my money with it. This was end of XXXX and it is now XX/XX/XXXX since my account has been closed and I have contacted the bank asking what happened but was told that they chose to end the banking relationship. I was told that the account would be closed and Id be mailed a close out check but I have been waiting for months now and have been forced to ask family to borrow money because I still havent received any money that I deposited. I have continued calling but was told to just continue waiting until the account has been closed. Please help CFPB here is the XXXX and phone number associated with the account if this will help ( XXXX ) XXXX XXXX ( I have another account as well that they will not close I am/was a loyal Cap1 customer )
Consumer complaint received 2018-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (AL)

I have a XXXX XXXX Visa credit card. When I attempted to use it for a purchase on XXXX XXXX 's website, my card was declined ( my account is not past due and there are no issues with my credit limit ). I then logged into my XXXX XXXX   credit card account online. It prompted me to activate a new card. While I have not received a new card in the mail, I thought I needed to input the information of the current card in my possession. I did this, and it said my card was activated. 
However, the card in my possession would still not work for the purchase. I called the XXXX XXXX credit card customer service. They stated that there had been a security breach in XXXX and that I had been sent a new card and the card in my possession had been deactivated. BUT, I did not receive a new card in the mail. 
This is AT LEAST the second time XXXX XXXX  has claimed to have sent me a new card in the mail, but no card was actually received. 
Additionally, while XXXX claims to have deactivated my OLD card due to a breach and sent me a NEW card in XXXX, I was able to make purchases on my OLD card in XXXX. 
The three primary issues now are : ( 1 ) whether my new card was lost in the mail or never sent, the NEW card ( not in my possession ) is now ( according to XXXX  ) activated because I input my OLD card information when prompted by their website to activate a card. It is a security breach for the system to allow me to input my OLD card information to activate my NEW card that was never actually received. Had I not called them, the NEW card I never received could have remained activated for a third party to use ; ( 2 ) if there truly was a security breach in XXXX requiring a new card, why was I still able to use my OLD card through at least the end of XXXX? 
( 3 ) because XXXX deactivated my card without my knowledge and I never received the new card they supposedly sent ( again, this has happened before ), I am unable to use my card for XXXX XXXX promotions and discounts ( the promotions and discounts require the use of a XXXX card ). The whole point of having this card is to get these discounts and promotions. By the time I receive a new card, the promotion will be over and the products could be sold out by the time there is another promotion. Again, this is a repeated issue with XXXX XXXX.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that the Credit Bureaus immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where the Credit Bureaus received such information, so I may take appropriate legal action. I have read enough regarding the FCRA section 605b and understood that the Credit Bureaus are required to remove the disputed items from my Credit File after 4 business days from the date of receipt. Below is the list of the fraudulent items I found on my Credi report : XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2020-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (GA)

/I stayed at the XXXX XXXX XXXX XXXX XXXX weekend of XX/XX/20. The gentleman that checked me in charged my card but said that he just put a hold on the card. I explained to him that he processed a charge as the card said " approved. '' He then tried to charge it again in which it said, declined. I explained to him that he was attempting to charge my card again which is why it was reporting as declined. I pulled up my credit card history to show him the {$760.00} that was removed from my balance. I received a letter under my hotel door the night before checkout saying my card couldn't be charged. I went and spoke with the accounting personnel explaining to her that my card was already charged. After a very heated exchange I gave in and gave her another card to charge to check out of the hotel. My debit card was charged {$810.00}. I was told that the {$760.00} hold on my account would fall off. When I returned home, I noticed that the charge was still on my credit card for {$760.00}. I called the hotel back and was advised that it could take up to 10 days for the pending charge to fall off. On the tenth day, XX/XX/20, the charge was still on my credit card. I called back and spoke with a manager, XXXX, which advised, " unfortunately there is nothing we can do. It's up to the bank to release the charge. '' I called the credit card company on three way with her and which the rep said, " its nothing we can do, its up to the vendor to remove the pending charge. We can only dispute the item once it hard hits on your account. '' XXXX, with the XXXX XXXX XXXX nor the Citicard rep did anything to address this matter. The credit card rep said the only option I had was to wait until 30 days for the account to refresh itself, in which the system would still see the account pending, and " possibly '' remove it. Today is XX/XX/20, and as you can see, my credit card is still showing a pending amount of {$760.00} from this hotel. I am a XXXX Rewards member and have traveled all over the world and never experienced the incompetence to this magnitude. The hotel staff fails to digest the fact that they have ultimate charged me twice for this stay. A competent hotel team would know that once the hold is placed on the credit card, the final bill is then charged, only billing what is owed, not holding the visit on the card and then charging the visit to another card. I need this item addressed ASAP. We are in the midst of a pandemic, and my husband isn't working and I have {$760.00} held up on a credit card due to the lack of regard by this hotel chain.
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have experienced incorrect information about a bankruptcy that was submitted by someone other than myself, XXXX XXXX XXXX in my name and this information appears on my credit report I have asked all three credit bureaus to remove investigate and I never receive any response nor support. I would like for them to remove this is a deliberate action to stall and stifle my credit rights from with Section 1681 ( a ) ( 5 ) of the FCRA. The companies are Trans Union Consumer Solutions, XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX