davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Need More Time I have given the following customer more than enough time, While investigating please remove these illegal transactions off my report. According to XXXX and Transunion have responded through the CFPB that they are investigating, while they are investigating the following account, those accounts need to come off until a proper investigation has happen, There has not been any proven evidence that these accounts provided clear and conspicuous contracts. I choose to opt out, I choose that you block this information from my report. I am requesting that the reporting of this information be blocked and deleted my request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transaction You are required to do what I'm asking and block these transactions from being report to my consumer report with 4 days from the date of the recepit of this notice. 


the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT, clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; NOW THE TERM PERSON defined by Congress means person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

XXXX  XXXX XXXX XXXX XXXX XXXX Opt Out Permissable purpose Remove from credit report So therefore a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER. Which CONGRESS define consumer ( c ) The term consumer means an individual. 
Which is an INDIVIDUAL ( me ), and the person making the REPORT which is ( the company name ) So since its a TRANSACTION between the CONSUMER and the PERSON! Delete the above LATE-PAYMENT FROM MY CONSUMER REPORT! This AGENCY is in violation of 15 U.S. Code 1681. Now Im not telling you to delete the account! Im asking for you to delete the above LATE PAYMENTS which are in violation of being REPORTED and keep the account.
Consumer complaint received 2021-06-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (KS)

US Bank Reliacard has ruined my life My card was frozen in XX/XX/XXXX. This card account held every penny I had to my name. I complied with their demands and sent proof of identity, proud of address, both current and previous, as well as a forwarding address that I was at currently, and account information for verification. I sent it by email. I sent it by fax. I have it to them verbally. This went on until XX/XX/XXXX! In that time, while my card was frozen, I could not eat. I was stranded out of state, 700 miles from home. I then lost my home and all my belongings because I had no way to get home, or pay my bills, for three months. They cost me everything. They eventually mailed me what appeared to be a check in late XXXX. However, upon trying to cash the check. I could not. After numerous calls to US Bank Reliacard, they finally informed me I must take the check to one of their US Bank branches in person. There is only one of their banks in the entire state, and it is still over four hours away. Which was impossible. I never did make it to a branch in person. 

In addition, my wife had just XXXX XXXX, I'm told. I was not there. I have had to continue this ridiculous process yet again in an effort to retrieve the funds from my wife 's account. This has gone on from XX/XX/XXXX up to today, XX/XX/XXXX. Four more months have passed and I send them POA, MPOA, Affidavit of heir, other notarized documents indicating my status as next of kin, Agent by proxy, and court stamped documents naming me Adminstrator off my wife 's estate. I have sent images of her social security card. Images of both our drivers licenses. I have sent them her death certificate. All have been sent over 20 times. Five times a month, for over for months. They have not replied to any single question I have asked. They have not acknowledged receipt of emails or documents. They have done absolutely nothing to resolve this problem. Did I mention my name is even on my wife 's account? " In care of '' ... My name, clearly on the account with my wife, and yet they continue to ignore my rights and obligations. 

US Bank Reliacard had literally cost me absolutely everything I possessed in the entire world and has had nothing to say about it at all.
Consumer complaint received 2022-09-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CO)

I bought a 2nd home to be close to my mom and help her with XXXX treatments, I go there to get away when my sister is there. 

I have been trying since XXXX to get the PMI, mortgage insurance off, I don't get responses, now I have sent in everything and no response. I have paid 21 % of the loan, and it says mortgage insurance can get off at 20 % but they are unwilling to take it off and continue to charge me monthly. 

I now need help as I am not getting anywhere. Thank you. XXXX XXXX. call if you need more info or email me at XXXX. XXXX XXXX XXXX XXXX XXXX, CO XXXX Thank you. XXXX XXXX
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (GA)

FedLoan Servicing sold my account back to the Department of Education in 2019 and failed to remove their accounts from my credit reports. They are still reporting delinquency on my credit reports when they no longer own the accounts. My credit reports show the same accounts reporting twice for two different loan servicers, which increased my DTI and affected me when purchasing my home. This has been an ongoing issue for years, and when I contact FedLoan Servicing, they transfer me from department to department or tell me to write a letter that they never respond to.
Consumer complaint received 2021-12-01
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: CITIBANK, N.A. (NY)

There are some negative items in my credit report and dont belong to me XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX MACYS Account Number : XXXX XXXX XXXX XXXX XXXX XXXX A Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (TX)

I no longer own the vehicle and was given permission to return the car with no hassle. The vehicle debt was suppose to be paid to a XXXX balance once I voluntarily surrendered the vehicle. The account is reporting that I have a balance and that is inaccurate. 

This happened around XX/XX/2018. They are still till this day trying to offer settlements for something I no longer owe.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (FL)

FIRST PROGRESS CARD - incorrectly reporting as : Payment after charge off/collection Purchased by another lender. This was paid in full in XXXX of 2021, and I have made multiple written requests for evidence of the charge off/pay history for which there has been no response for more than 60 days now.
Consumer complaint received 2022-09-25
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. (NC)

XXXX is reporting to the credit bureaus that I have a charged off account with a specific amount owed to them, still invalidated, and attempting to collect another amount, over {$1000.00} more through a law firm and this is deceptive and furious collection techniques. Furthermore the balance XXXX is not even showing the exact amount they earlier reported with a difference of XXXX ( XXXX cents ). This needs to stop now! Trying to collect different amounts and this harassment along with is illegal! I will seek an attorney if this XXXX is not removed from my credit files by Tuesday morning XXXX. My rights have been violated and my credit score has been affected and this continues to invoke emotional stress which is affecting my health.
Consumer complaint received 2022-02-01
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. (MD)

to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CT)

12 CFR 1026.21 Treatment of credit balances ( a ) Credit the amount of the credit balance to the consumer 's account ; ( b ) Refund any part of the remaining credit balance, upon the written request of the consumer; and ( c ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than 6 months, except that no further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. 


AMERICAN EXPRESS is liable and held accountable under CFPB regulations under 12 CFR 1026.21 to return to me as demanded in writing a full return of Credit Balance and limit payable by cashier 's check to address given and failure to do so will result in WILLFUL ILL-WILL and Federal Violation against I the original creditor and protected consumer.
Consumer complaint received 2021-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX Wells Fargo changed my daily withdrawal limit from {$300.00} to {$1000.00} without my explicit approval to do so. I addressed this issue via the bank and complaint and received confirmation that there will be no further changes to my account without my explicit approval. 
XXXX XXXX XXXX XXXX XXXX ID : XXXX Wells Fargo XXXX ID : XXXX I received a notice on XX/XX/XXXX stating that my wire transfer limit has been increased to {$50000.00} a day without my explicit approval. I do not understand why Wells Fargo continues to remove important safeguards to my account and expose me to losing all my savings through an account breach. 

On top of changing the wire transfer limit without my explicit authorization, on XX/XX/XXXX, Wells Fargo also changed my XXXX transfer amount to {$5000.00}. This would allow anyone who happened to gain access to my account, the ability to take {$5000.00} without any oversight. 

I understand the response will be that XXXX XXXX XXXX XXXX XXXX ID : XXXX was in regards to ATM and this complaint is in regards to wire transfers. That difference is trivial and irrelevant. My account is being changed without my approval and this will cause me XXXX
Consumer complaint received 2021-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (LA)

XXXX XXXX From XXXX California The man tried to transfer XXXX to his account twice. The chase bank worked to freeze my account and change my information, but the man still continued with trying to gain access to my cash app account. The man tried to transfer XXXX and more .The man unlinked my account and card and add card and added a XXXX XXXX XXXX ending in XXXX. I need this person to receive consequences for stealing and attempting to steal money.
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (CA)

I filed a dispute back on XX/XX/XXXX and in their paperwork it says in 10 days they'll provide a provisional credit while they're doing their investigation or they'll contact me I've had to call them several times I've explained to them that the reason my questionnaire on the transactions was a few days late was because I was involved in a natural disaster which was a fire here in California and my paperwork was at home and I was evacuated from my house and I was not able to send the paper on time and apparently that doesn't matter it's been XXXX  days since I filed the complaint I haven't heard anything from them every time I call they give me some XXXX  excuses
Consumer complaint received 2021-06-02
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. (GA)

XXXX XXXX sold my account back to the Department of Education in 2019 and failed to remove their accounts from my credit reports. They are still reporting delinquency on my credit reports when they no longer own the accounts. My credit reports show the same accounts reporting twice for two different loan servicers, which increased my DTI and affected me when purchasing my home. This has been an ongoing issue for years, and when I contact XXXX XXXX, they transfer me from department to department or tell me to write a letter that they never respond to.
Consumer complaint received 2022-04-25
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. (OH)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected rights to consumer privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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 2021-06-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IN)

PayPal closed my account for no reason and will not help me with getting it back up and going. im not sure if this is some mistake as i assume it has to be. i have not been able to get help from them for months but i just remembered i could file a report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used paypal quite frequently. my email linked to my paypal is : XXXX XXXX
Consumer complaint received 2020-03-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

On XX/XX/2020 I tried to go to an ATM here in California. My debit card for my preferred bank did not work so I was going to have to use my " emergency '' card which is through US Bank. I was not sure how much money was in this account so I tried logging into my account to check with my phone. The app denied me access. Despite this, I know I have a line of credit with overdraft protection which was guaranteed to me, verbally, to have no fee when I signed up. 

This morning I am finally able to login after numerous attempts and see they have charged me {$7.00} for an " Overdraft Protection Fee. '' What? I was told, in person, when I signed up there is not a fee for this service. I called US Bank and after a 30 minute hold spoke with somebody who read me an agreement that indeed lays out a {$7.00} fee for this service. She then confirmed to me that this policy went into effect last year. I asked them to provide any indication of how I was informed of this change in terms from what I agreed to sign up for and they could not provide it. 

To summarize, they offered me a free product. Then at some point, changed it to a product that is not free. They never informed me of this. Then, they ensure that their online service is so terrible that I couldn't possibly transfer the funds on my own to avoid the fee. Then they milk me.
Consumer complaint received 2022-08-09
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Flagstar Bank, N.A. (GA)

Flagstar bank was negligent in the storage of my personal information and claim they lost it during a hacking incident in XX/XX/2021. I have asked multiple times what information was stolen, for them to permanently delete my personal information and also to provide reimbursement for identity theft insurance. XXXX has refused to take responsibility or action on any of these. They also told me on the phone if I take their offer for XXXX XXXX XXXX, it requires the consumer to give up all rights to hold them legally liable for damages. This is not clearly spelled out and is deceptive.
Consumer complaint received 2021-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

My loan care - XXXX XXXX has falsely and fraudulently stated my mailing address is not up to date. My address is and has always been my property address and this appears to be fraud on behalf of my loan care to disqualify me from entitled relief for my mortgage.
Consumer complaint received 2020-07-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (CA)

This complaint is in regards to a student loan I have with Wells Fargo. The account number for this loan is XXXX. I obtained this loan back in XXXX or XXXX. I have saved enough money to pay the loan balance in full. The loan balance is {$5900.00}. I have been trying to make a one time pay off but Wells Fargo refuses to accept anything other than minimum payments of $ XXXX/month. On XX/XX/XXXX I made a payment to Wells Fargo for {$5900.00}, confirmation number XXXX. Wells Fargo refuses to provide me with anytype of documentation that the loan is paid off. I was told that the funds would be trasferred to Wells Fargo no later than XX/XX/XXXX yet the money still has not left my bank account. I know the reason Wells Fargo refuses to take my money is because they want another month to pass so that interests accrues on my balance so they can charge me more despite by {$5900.00} payment. 

I have spoken with several bankers with Wells Fargo who refuse to provide me with any type of receipt or documentation for paying off my loan. ( 1 ) XXXX XXXX NMLS ID : XXXX ; ( 2 ) XXXX XXXX NMLS ID : XXXX. I have also spoken with the " branch manager '' of the Wells Fargo located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I spoke with a male over the phone and he refused to identify himself or provide his NMLS. He refused to provide me with anytype of documentation of my loan repayment.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I'm very upset! My underlying reaction to the inaccurate thing on my acknowledge report sent as expressed in a previous message on XXXX. Today is XXXX. Regularly by law, you should react inside 30 days. During these troublesome occasions, all of you have been given an augmentation which I comprehend. In any case, it has been above and beyond the expansion time frame given. I have exhorted you on in excess of 3 distinct events. I'm beginning to accept this is a slow down strategy on you all 's end. I request your organization eliminate this mistake from my credit report or face suit. In the event that you don't eliminate this mistaken data quickly I will document a formal complete with the Government Exchange COMMISSION! I'm staying aware of the entirety of my reports and types of correspondence with you on this matter simply in the event of recording an objection with the FTC on the off chance that you keep on choosing not to participate. In Wenger v. Trans Association Corp., No 95-6445 ( C.D.Cal.Nov. 14, 1995 ), you will be considered answerable for your choice not to not consent. My family and I are being compelled to pay higher loan fees and denied by numerous organizations when attempting to buy important necessities to get by during this troublesome financial period. On the off chance that your next reaction to me is anything but a unique application with my mark on it or a letter expressing that the deceptive data that is disregarding the Reasonable Credit Detailing Act isn't erased I will proceed with my FTC objection. As shown by the Reasonable Credit Revealing Demonstration, Area 609 ( a ) ( 1 ) ( A ), you are required by government law to affirm, through the real check of the primary stamped purchaser contract, all records that you post on a credit report. Else anyone paying for your specifying organizations could fax, mail, or email in a bogus record. I interest to see apparent proof ( i.e. : a novel buyer contract with my imprint on it XXXX that you have on the archive for the record recorded underneath. 

Your powerlessness to firmly check these records has hurt my ability to procure credit. Under the FCRA, wrong and mysterious data should be erased from a buyer 's credit report.
Consumer complaint received 2020-03-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc. (PA)

Tek Collect has not contacted me prior to closing placing this negative item on my credit reporting. They are reporting late payments for current months when there was no payment plan established. They have also have still not verified the account. My supporting evidence was mailed out more than 60 days ago with no response