davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-24
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. (IL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account is in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification-Description of reinvestigation procedure.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 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 2022-03-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Giggle Finance Inc. (TX)

On XX/XX/XXXX I contracted for a loan with Giggle Finance for my business XXXX XXXX XXXX. I gave authorization for the ACH debit of funds from the XXXX XXXX XXXX XXXX XXXX XXXX bank account ending in XXXX. I have XXXX accounts in total with XXXX. 
Giggle Finance is accessing my other business accounts randomly and withdrawing funds at different increments. I have not failed to make any payments. From XX/XX/XXXX to XX/XX/XXXX Giggle has withdrawn their XXXX without incident. On XX/XX/XXXX Giggle finance gained unauthorized access to XXXX of my other business accounts and withdrew funding in the amount of XXXX. The account is for a totally different business and is not listed in the contract. The XXXX account was the account that I gave permission to use to repay the loan. I immediately contacted Giggle Finance XXXX XXXX and spoke with XXXX XXXX at XXXX XXXX. He was so rude and unprofessional blaming me for their mistake. He told me that I could not revoke the ACH authorization which is in direct conflict with what is stated in section XXXX last paragraph. I do not want Giggle Finance accessing my accounts. This is the beginning stage of an accounting nightmare. I own several businesses and would never know which account they are accessing until after the fact. Further, I would never know where to deposit the funds for the loan. Giggle Finance has failed to provide me with any confirmation of cancellation of the ACH authorization. I believe this is a fraudulent company and I don't feel that I can trust this. I hope this can be investigated. I put in writing XXXX request to remove the ACH authorization. XXXX specifically argued with me about my right to request ACH cancellation. He is misrepresented the contract intentionally. I am submitting a copy of the contract and bank activity records to show that the money was in the XXXX account and that there was no reason to access any other account. I discovered this and had to start transferring money so that my rent check for my store would not bounce. This has caused me much discomfort and stress. The worst part was when XXXX blamed me for this.
Consumer complaint received 2022-03-09
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: Premium Credit Bureau (FL)

This is a follow up to complaint XXXX. 

The answer from Premium Credit Bureau is not satisfactory, neither presented any evidence for this inquiry authorization. 
I don't recognize " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) '' and request to remove this inquiry from my credit reports in XXXX, XXXX and XXXX. 

Below answer from Premium Credit Bureau : " Dear XXXX : We are a credit reporting agency, companies use our system to pull credit report for their clients. Our services are mostly used by the mortgage and real estate industry. We have received your correspondence as to the inquiry of your credit report and our research has shown that this file was accessed by a properly vetted subscriber, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with permissible purpose. Should you wish to contact the end user and/or originator you may do so at XXXX. ''
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Self Financial Inc. (RI)

I checked my credit report and see that I have a balance on a loan for XXXX XXXX XXXX self lender and I called them and have never done business with them. I am not sure why I have this on my credit report. I have never done business with them.
Consumer complaint received 2022-03-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (IL)

I have contacted US bank several times now regarding me getting sick and being hospitalized, which makes me unable to work and get money into my accounts. I need to catch up with my bills, and it's impossible to clear the balance. I have gotten numerous overdrafts and or returned check fees and am looking for some assistance with the charges, please. I have XXXX children and I'm trying to make ends meet until I'm back at work. Customer service has not helped.
Consumer complaint received 2022-10-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

I have never heard of this company before and have never done business with them. After some research, i found out this company is not licenced in the state of florida to collect, which makes me feel like this is A scam and illegal. This is showing on my credit report which is how I got the information.
Consumer complaint received 2022-10-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

On or about XX/XX/2022 XXXX XXXX ( @ XXXX ), my electrician, sent me a {$300.00} transfer ( credit ) and a {$400.00} transfer ( credit ). He immediately sent me a text message stating, Hey decline any money I sent you I have been hacked. I responded by saying, Will do and I returned or declined the transfers. I followed up with him on XX/XX/2022 and asked, Did all of the money that was sent to me in error get sent back to you? and he responded, Yes thanks. 

At some point after the XX/XX/2022 communication, Venmo locked my account stating they needed a copy of my drivers license. I subsequently logged into my account and uploaded pictures of the front and back of my Ohio drivers license. Then, my account showed a - {$690.00} balance and theres a request to restore my account. 

It appears to me that Venmo debited my account the {$700.00} that my electrician claimed as fraud. There's nobody at Venmo that seems to be interested in helping me resolve this issue. I've had several email exchanges with them and the only response I get is that these issues are handled by a different department. I called in last week and spoke to a woman that gave me the same response but she did say she would forward my information onto the correct department. At this point, I've heard nothing from anyone. 

I would appreciated the CFPB 's assistance in straightening this issue out. I have tried on my own and I can't get Venmo to at least have a conversation to discuss the situation.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX is reporting the account type wrong. 

They are reporting the account type as a collection when it is supposed to be medical debt Collection is a condition or a status, not account type I verified this by looking at XXXX own glossary! 

They are breaking the law again!
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I RECEIVED AN EMAIL FROM MY BANK TELLING ME THERE WAS A DECREASE IN MY CREDIT PROFILE. I DO NOT KNOW OWN OR GIVE AUTHORIZATION OF ANY OF THE ACCOUNTS LISTED. THIS IS UNAUTHORIZED USE OF THE SOCIAL SECURITY/ CREDIT CARD PURUSANT TO 15 U.S.C. 1602 ( L ) AND 15 U.S.C. 1602 ( P ). THIS IS UNAUTHORIZED REPORTS ON A PUBLIC CREDIT SCORE. WHICH IS A CRIMINAL LIABILITY PURSUANT TO 15 U.S.C. 1611 FOR WILLFUL AND KNOWING VIOLATIONS OF THE FAIR CREDIT REPORTING ACT. I HAVE FILED A IDENTITY THEFT REPORT WITH IDENTITY THEFT.GOV. PLEASE SEE THE ATTACHED. I HAVE REPORTED THESE COMPANIES THIS WEEK. THIS CORRESPONDENT IS FOR THE VIOLATIONS THAT EQUIFAX, XXXX, AND XXXX HAVE COMMITED. PURSUANT TO 15 U.S.C. 1681 ( n ) ( a ) ( 1 ) IT IS A {$1000.00} FOR EVERY VIOLATION. I DEMAND TO BE COMPENSATED FOR DAMAGES ASSOCIATED WITH THE 3 CREDIT AGENCIES LISTED.
Consumer complaint received 2022-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MA)

I came out of XXXX XXXXXXXX  in XXXX with approximately $ XXXX in XXXX and XXXX XXXX  debt. I worked hard to consolidate my loans to make my payments management. My best option was a consolidated FFELP loan with AES XXXX which provided a manageable monthly payment. I've paid my loan regularly and am now down to approximately {$33000.00} left. I was pleased to hear about the loan forgiveness offered by President Biden. However, through research, EVEN THOUGH THE CONSOLIDATED LOANS ARE FEDERAL STUDENT LOANS, I learned that the {$10000.00} forgiveness is NOT going to apply to my loan because it's privately serviced. I did the right thing to handle my finances but am being left out of a valuable program. This needs to change.
Consumer complaint received 2022-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (GA)

I received the response yesterday from Wells Fargo ; however, it is unacceptable. I also received your enclosure with important information about overdrafts. The very first sentence confirms Wells Fargo has violated me on several occasions. An overdraft occurs when you do not have enough money in your account to cover a transaction but we pay it anyway. I am attaching to this complaint evidence of the fact that Wells Fargo does not pay it anyway. 

Again, this is a violation of 12 UCC 1005.17 Requirements for overdraft services. 

( a ) Definition. For purposes of this section, the term overdraft service means a service under which a financial institution assesses a fee or charge on a consumer 's account held by the institution for paying a transaction ( including a check or other item ) when the consumer has insufficient or unavailable funds in the account. 



In addition to failing to meet requirements for the overdraft service, Wells Fargo has violated me by failing to meet the requirements for consent. Not only did I NOT consent to these charges, Ive called several times to dispute these charges, showing the I DO NOT CONSENT to these charges. This is willful and malicious. 12 UCC 1005.17 ( b ) Opt-in requirement- ( 1 ) General. Except as provided under paragraph ( c ) of this section, a financial institution holding a consumer 's account shall not assess a fee or charge on a consumer 's account for paying an ATM or one-time debit card transaction pursuant to the institution 's overdraft service, unless the institution : ( i ) Provides the consumer with a notice in writing, or if the consumer agrees, electronically, segregated from all other information, describing the institution 's overdraft service ; In this complaint, I am also attaching my statement showing that in the last 18 months alone, Wells Fargo has stolen almost {$1000.00} from my account. I have been a Wells Fargo customer for well over 2 decades and I am hurt to realize that you all operate without integrity.
Consumer complaint received 2022-10-18
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. (NJ)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to Equifax was dated XX/XX/22 but I never received a response from them. The account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If Equifax do not validate the account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-08-03
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. (IN)

In accordance with the FCRA, XXXX XXXX - XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX  XXXX - XXXX, XXXX - XXXX, US BKPT CT XXXX XXXX XXXX XXXX, have violated my rights 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
Consumer complaint received 2022-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (SC)

My Consumer rights and protections have been violated according to title 15 USC 1692. My privacy has been invaded along with the privacy act has a consumer has a right to privacy and not a privelige. According to title 15 USC 1692b a debt collector can not state that a consumer owes a debt.AARGON agency has been reporting a fraudulent debt to XXXX which has been very damaging to me and my family in our pursuit to purchase consumer goods, They have been contacting me a federally protected consumer about an alleged debt without my consent. AARGON AGENCY INC has been reporting a fraudulent debt that was a result of an identity theft on my consumer report which has been very damaging to my reputation and has hindered my ability to extend credit and enjoy the pursuit of happiness. Under title 15 USC 1681 an inaccurate and unfair credit report directly impairs the efficiency of the banking system and undermines the public confidence which is essential to the continued function of the banking system. I REQUIRE THE 2 FRAUDULENT accounts on my consumer report from AARGON AGENCY INC one in the amount of XXXX $ and one in the amount of {$110.00} be deleted immediately. A debt collector can not use false and deceptive means in connection with a debt such as the false representation of or the character amount or legal status of any debt.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

companies to make any inquiry and view my credit report.This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy right Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 6l1. 
My contact information is as follows : XXXX XXXX XXXX
Consumer complaint received 2022-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

My checking account with Wells Fargo was debited {$410.00} on XX/XX/XXXX. I contacted Wells Fargo to issue a credit because the automatic payment method was cancelled with the merchant and I chose to pay the merchant directly for the services. Wells Fargo issued a claim for the amount and provided a provisional credit while the matter was being investigated by their claims team. The provisional credit was later reversed on XX/XX/XXXX which caused the checking account to fall into a negative balance. The bank issued additional fees for insufficient funds which were directly related to the credit reversal. I contacted Wells Fargo to inquire about the reversal and the banker informed me that the reversal was justified because documentation was not provided within 48 hours of the request. The banker had no inform about Wells Fargos and the attempts to contact me in a method other than US Mail due to the urgency of the matter. On XX/XX/XXXX, I submitted a written complaint with Wells Fargo and then contacting the merchant myself, we were able to provide written documentation of the cancellation that took place with the merchant on XX/XX/XXXX. Since then, Wells Fargo has not issued the credit of {$410.00} or the unjustified associated banking fees. After many attempts to resolve the matter amicably, Wells Fargo has displayed a non-responsive and irresponsible approach to a small error. This circumstance is now causing emotional and financial distress as my relationship with the financial institution no longer holds value or integrity for its consumer.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

CFPB I contacted Equifax PDF enclosed and their statement was they need account name, account number, and nature of dispute. I request they delete the 2 accounts because I can not get documents of authorization to report to credit reporting companies with my signature and a actual contract stating I am doing business with them with my signature .Also a copy of a contract is fraud 15U>S>C>1681 { a } { 4 } consumer right to privacy USC8 All Obligations belong to the UNITED STATES it is paid for16CFR433.3 All contracts are Held by the FEDERAL RESERVE any other contract is fraud .Equifax sent in their response to CFPB enclosed need the above information and it was enclosed Equifax fraudulently reported they didnt have the information I enclosed. By law { every } contract has to state in Bold 10 point type16CFR433.2 NOTICE any holder of this consumer credit contract is subject to { ALL } claims and defenses which the debtor could assert against the seller of goods and services obtained pursuant HEROF, Recovery HEREUNDERBY the debtor shall not exceed amounts paid by the debtor HEREUNDER 433.2 { a } consumer contracts consumer credit contract { any MEANS ALL } instruments which evidences or embodies a debt arising from purchase or a finance sale is define in paragraphs { D } { XXXX } of the section. I request that the CFPB step in on this matter
Consumer complaint received 2022-03-09
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. (CA)

Placed an order online with the Citi credit card on XXXXOn XX/XX/22 the merchant email stated that they are unable to ship until the end of XXXX. I respond and asked them to cancel the order and no response from them. I opened a dispute on XX/XX/22 on Citi website due to no response/item not received. On XX/XX/22 Citi closed the 2 months investigation and reversed the credit. From the merchant 's documentation Citi provided I do NOT see any supporting evidence that the merchant has shipped the merchandise. It looks like a payment confirmation to me. I also went into my order from the merchant 's website, my order is still in process that has not shipped.
Consumer complaint received 2022-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CO)

My loans were transferred to Aidvantage. My loans were with XXXX XXXX and are supposed to be cancelled due to recent action by the President. Additionally, the pause for student loan repayment ( pending outright forgiveness for all loans less than XXXX ) was recently announced. Instead of Aidvantage complying with this, they deceptively encourage borrowers to sign up for automatic payments and and notify you that your pause is almost over effective XXXX XX/XX/2022. When I call them to inquire, they claim to know nothing of the situation and that I may be eligible to apply for public service forgiveness and congratulate me for enrolling in automatic payments. They are trying to milk as much money from borrowers as possible before the government cancels all the debt.
Consumer complaint received 2022-10-18
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. (CA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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