davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-07
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: Experian Information Solutions Inc. (FL)

" I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2022-10-29
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. (NY)

This is a follow up response from my original complaint with CFPB # XXXX Thank you CFPB for your help in this matter however, if you check the date with Equifax this complaint was filed XX/XX/2022. I have been waiting over 7 months for a response. I have suffered great hardship from the failure of Equifax to respond. I had no choice but to file a complaint with the CFPB. 

According to the FCRA Law under section 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) ( 1 ) ( A ) it states : In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Also section 611.Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) ( A ) ( i ) ( ii ) 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

As you can see Equifax clearly broke the law and disregarded the rules and regulations under the FCRA. I have included a copy of disputed letter sent to Equifax on XX/XX/2022.
Consumer complaint received 2020-11-13
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. (LA)

XXXX XXXX XXXX {$23000.00} This is a FCRA law violation. I was never late. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX  XXXX {$96000.00} This is a FCRA law violation. I was never late. 

XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX. Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into in the hands of the wrong person.
Consumer complaint received 2021-09-06
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. (NC)

I sent Statewide a DEBT VALIDATION letter and a cease and desist letter. I believe this ACCOUNT TO BE FRAUDULENT. I am a VICTIM OF AGGRAVATED IDENTITY THEFT. this was furnished on my credit report WITHOUT 5 DAY NOTIFICATION OF DEBT, not giving me the opportunity to validate it. 
XXXX signed the return receipt attached and has not responded to any of the requests. It has BEEN OVER 60 DAYS. I demand that XXXX remove this fraudulent account from my credit file and XXXX  out this balance. 
TransUnion is apart of this AGGRAVATED IDENTITY THEFT because the reported the FRAUDULENT ACCOUNT which is also UNAUTHORIZED USE of my social security number.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into in the hands of the wrong person.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo Claim : XXXX I submitted a dispute against transactions on my now closed card and account with Wells fargo. I was on XXXX and provided their dispute team with proof and evidence of my time away, dates, and locations. There was no way I could have made those charges t to my card. They denied my claim and closed my account.
Consumer complaint received 2021-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: BARCLAYS BANK DELAWARE (FL)

I Call to Barclay 's and inform that I Lost my job, and the only I can paid is XXXX monthly. they never want to help me to lower my monthly payment. I been pay a monthly, at least 2 weeks before due date of {$100.00}. That's the only i can afford right now. I never stop pay, but I sent what i can afford. They never listen to me, they just harassments every month. I need help, I don't denied to pay, but I just need help to low my monthly due to {$100.00}, and stop harassment 's, and also stop give a negative report to my credit. 

Sincerely XXXX XXXX
Consumer complaint received 2020-11-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Santander Consumer USA Holdings Inc. (CA)

Good evening XX/XX/XXXX I tried to reach out to Santander about the lawsuit that's going on with the company because I think I should be part of Loan Forgiveness and Car Title because I have Defaulted on the loan but the vehicle was not repossessed I couldn't get any help from the person on the phone they were very rude because I would not give them my address to collect a debt. 

SANTANDER CONSUMER USA Date opened XX/XX/XXXX Status Charge-off XX/XX/XXXX Past due amount {$21000.00} Original loan amount {$27000.00}
Consumer complaint received 2020-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (PA)

I have covid ... I went to the bank and told them that through the intercom in the Drive-Thru and they refused to give me a replacement debit card! They were screaming the fact that I had covid over the loudspeaker loud enough for everyone in line to hear it ... .and when I called the bank they weren't even able to handle it ... the manager of the bank was hanging up on the customer service person. It was unprofessional and XXXX. I have been a customer for years.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Hey, My name is XXXX XXXX XXXX. I have a huge problem that I am hoping you can help me solve. I have disputed with the credit bureaus and the collection agencies and creditors multiple times because they are reporting negative inaccurate information on my credit report. They are refusing to remove this information even though I have shown valid proof that it is not 100 accurate according to the FCRA.

Please remove these accounts from my credit profile because they are not 100 accurate and it is causing me a great deal of harm.
Consumer complaint received 2022-06-11
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. (MD)

I have an account with XXXX XXXX and the have a subsidiary called XXXX that did a hard pull on my credit which negatively impacted my credit score. I have never had any dealings with XXXX, nor applied to rent anywhere. 

XXXX XXXX is aware of this and notified me by email after the fact. They acknowledge it was an error, but the negative impact on my credit remains. I have not been able to reach anyone at XXXX to assist.
Consumer complaint received 2024-09-14
Product: Credit reporting 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. (FL)

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account Number:571200XXXXXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion refusal to comply with this law is a clear violation of my consumer rights.

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Transunion upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-06-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

This is additional information and complaint regarding jpmorgan chase original complaint # XXXX. 
This is with regards to the {$50000.00} wire transfer my mother was scammed and coerced into doing on XX/XX/XXXX. My mother was convinced by an XXXX representative imposter that she needed to wire transfer {$50000.00} from her checking account to XXXX XXXX to investigate fradulent charges to her XXXX account ( which was all a hoax ). She went to her local jp morgan chase branch on XX/XX/XXXX and requested this transfer which was processed at approx XXXX XXXX PST. When I, XXXX XXXX, her daughter found out about this the next morning at approx XXXX XXXX PST, I called Chase and spoke with the fraud department immediately and reported it as fraud and to STOP the transfer immediately. I had a 55 minute phone call ( 90 % of which I was on hold ) and told they would not continue with the case unless I continued to wait on hold while they researched it. I had to start work at that time ( approx XXXX XXXX ) and stated they could call me back with questions, but the representative refused to do so. I reiterated that I gave them all the information I had and to report it as fraud and stop the transfer immediately. My mother, XXXX XXXX, then went to the local branch in person at XXXX XXXX on XX/XX/XXXX and spoke with XXXX XXXX and advised the transfer was fraudulent and to stop it immediately as well. 
After speaking with this representative and the branch manager, XXXX XXXX, myself in person on monday XX/XX/XXXX, I find that they did not take adequate steps to verify the authenticity of this transfer. No one called me to question this extraordinary amount, recipient, or transfer destination despite me being joint checking account holder. Also, appallingly, after my mother went in on XX/XX/XXXX to report the fraud and attempt to stop the transfer, they reissued her another chase credit card on that same day- despite her reporting that she was just scammed- which is completely unethical and irresponsible.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to demand the removal of inaccurate personal information from my credit report maintained by your bureau. 
I have recently reviewed my credit report and have identified several discrepancies that need to be rectified, immediately. 
I have attached copies of supporting documents that clearly demonstrate the inaccuracies mentioned above, such as government-issued identification card, utility bills, or any other official documents validating my accurate personal information. I kindly request that you delete the inaccurate personal information from my credit report as soon as possible.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-05-05
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. (NV)

I have been submitting multiple letters from XX/XX/2022, to XX/XX/2022. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX.
Consumer complaint received 2022-02-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (MS)

I paid my account in full XXXX XXXX with Procollect , Inc . The amount owed was {$750.00}. On this day, I was told that I would receive a letter advising that my account is paid in full. I never received the letter. I have confirmation numbers for each account. Each time I call and ask questions, they advise that my account can only be accessed by " XXXX XXXX '', who I had not been able to get a response from as he does not have a phone number or an extension ; only an email address. He did not respond to my email sent XX/XX/XXXX. I decided to call again a day later and was transferred to XXXX XXXX for the first time. He advised that my letter was sent via email XX/XX/XXXX. I advised that I have not received a letter and that it is still showing on my credit score. He said that it is not still showing however it was still showing as of XX/XX/XXXX. I asked him can he send me an email with my letter attached and I could verify that I received it this time while we are on the call. He immediately raised his voice and he stated verbatim, " I do not know who you think you are. I do not work for you and as a matter of fact, I will be adding this inquiry back to your credit report. It's was not on there but now it will be. '' XXXX also stated that doing his job was doing me a favor and that he has the power to keep this inquiry that I have paid in full on my credit. On top of him screaming at me to the top of his lungs, he stated he is the only person that can help me and he is not helping me, his actions hurt me and have a negative impact on my credit score. I have no proof from ProCollect that I have paid this in full. All I am asking for is my letter. If I received my letter in the mail as they stated, this could have all been avoided. 

Company : ProCollect Inc XXXX XXXX XXXX # XXXX XXXX, TX XXXX Confirmation # XXXX and # XXXX
Consumer complaint received 2023-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (CO)

The school put fees on my student account that I never consented to and a debt collection company is now calling me to collect and saying the debt is valid even though I never agreed to these fees. Im not paying it because I never agreed to pay those fees. I attempted to dispute the charges being added to my student account and they just said you cant. Conserve is saying the debt is valid even though I never legally signed a contract that agreed to these fees.
Consumer complaint received 2022-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CVB FINANCIAL CORP. ()

I am a XXXX XXXX XXXXXXXX that has been living in the Philippines since 2006 and Citizens Business Bank knows this, and they have been sending me my ATM Card every 3 years so I can withdraw funds to live on, but recently they were very, very slow in renewing my ATM Card as it took 2 months to receive. During the first 3 calls to XXXX XXXX  I was told the card had been sent but on the 4th call I was told they would NOT be sending a ATM Card after all. I was furious as I was LIED to and we were/are desperately in need of funds for food and to keep the lights on but XXXX did not and does not care!! I have been their customer for 34 years ( some of those years while the bank had another name ) and I was deeply hurt... more like crushed to be treated so unprofessionally. 
I finally received the ATM Card and called to activate same and was seemingly successful only to discover the ATM Card didn't work while attempting to use it on multiple occasions. 
I called the ATM / Debit Card Hotline for help and they could help me because they said my records where not " up to date. '' They wanted to send me a verification code to an old cellphone number that I no longer use. I was stuck and locked out AGAIN, so remain so to this very day. I suggested that they send to code to my e-mail address which they have on file and the one I use for verification and bank account login but they said it was the wrong e-mail address ... which is crazy because it's the same e-mail address that " again '' the send me regular emails too. 
Bottom line is we need funds and we need funds NOW!! XXXX is even blocking the use of my Online XXXX XXXX Account which I have used several times before due to the late arrival of previous ATM Cards. Thus, they have completely shut me down in every way ( at this time ) to access funds and they are heartless and don't care!! They have said they would snail mail me " checks '' so I could open a local bank account and deposit said check but that process will take about 2 months as there is a month hold on a foreign check here until it clears. This is a Total Nightmare and I need HELP Immediately!! Thanks in advance ... as I quote : XXXX, XXXX XXXX To : XXXX ' Cc : # XXXX Wed, XX/XX/XXXX at XXXX AM Good Afternoon XXXX XXXX It seems we will be able to send you checks the cost will be {$59.00} as the shipping is extra to go out of the country. Please confirm the mailing address. We currently show : XXXX XXXX XXXX XXXX XXXX XXXX Is this correct? 



XXXX XXXX is not an option with Citizens Business Bank. 



Thank you, XXXX XXXX | Service Support XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX P XXXX | F XXXX XXXX XXXX