davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I wrote you before asking for proof that I didn't cancel this insurance from XXXX XXXX I called and cancelled this policy before it came past due credit collection service responded they couldn't find this account I needed to send them the original letter they sent me. I have a copy of that letter. If they can't prove I didn't call and cancel they need to delete from all credit reports today
Consumer complaint received 2022-09-21
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)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 Sections 602 A States I have 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 instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to address an ongoing issue regarding inaccurate and misleading information on my credit report, despite my previous dispute letter sent to your company. I have recently reviewed an updated copy of my credit report and regretfully discovered that certain information remains unresolved and continues to be incorrectly reported. The consequences of your company 's non-compliance with relevant laws have had severe negative impacts on both my credit standing and reputation.
Consumer complaint received 2022-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (OK)

I sold a XXXX XXXX to XXXX XXXX, his XXXX, and his XXXX, XXXX XXXX, using XXXX on XX/XX/2022 for {$650.00} in XXXX, OK. On XX/XX/2022, about a month after the transaction had been finalized, the buyer then notified their bank that the purchase was an unauthorized charge. XXXX also has blocked me on XXXX, which most normal buyers don't do unless they are up to no good. XXXX was unable/unwilling to help me and their sole purpose was recouping the amount owed, and sought to have me pay a total of {$660.00} to settle my account. I consider myself a victim of fraud/theft as I have logs from XXXX stating XXXX XXXX, his XXXX, and himself were on board with the purchase, so I reported an XXXX form. I have not heard anything back regarding my filing of the XXXX form. I have also filed a complaint with XXXX XXXX. I have video footage of the meetup with the XXXX who came to pick it up, and pictures of the chat logs. I am on limited income and XXXX due to having a XXXX and a chronic XXXX. I was trying to earn a little extra money to pay for my expensive medicine, I don't have the income to take a {$660.00} hit to my finances and pay for their fraudulent actions. I tried to attach the video but the file exceeds the XXXX limit, if it is required I am more than happy to show that as evidence as well. I have attached the relevant chat logs. 

Reference # XXXX
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

On XX/XX/2022, after receiving notice of another data breach, I tried to contact TransUnion to freeze my credit account at the number provided on the 'notice of data breach ' I received from XXXX XXXXXXXX XXXX XXXX XXXX I called TranUnion Security freeze ( XXXX ) but could only get sales pitches for a " XXXX XXXX XXXX XXXX '' from a recording calling herself 'XXXX  XXXX. After several attempts, I looked fro another number for customer service but couldn't find any on the XXXX web site. So I called a number XXXX listed as Trasunion Customer Service ( XXXX ). The recording said I had reached TransUnion and required my most private information to go forward. Sounded legit. Eventually a woman w an XXXX sounding accent came on the phone, but after asking " How can I help you? '' she could not apparently hear me. I checked this number on the web and it is not listed as TranUnion but others have also called this number trying to reach TransUnion. I think this is a Phishing number that is collecting personal info from people like me that are just trying to reach TransUnion but can not get anything but sales pitches from recordings. Thanks to Tranunion my information is further breached!!!
Consumer complaint received 2022-06-08
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: Experian Information Solutions Inc. (IL)

I have sent certified mail on XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX to Experian and XXXX to request a copy of verifiable proof of an original consumer contract with my signature that they have on my credit file for the XXXX XXXX XXXX - XXXX report by Experian. And XXXX XXXX XXXX ( XXXX ) reported by XXXX. This is information has not been provided to me and remains on my credit file/report. Per Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the agencies are violating my rights. In ordinance, with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. XXXX has confirmed this information was not verified and since has removed from my credit report. I am requesting XXXX and Experian to do the same. 

I have requested my consumer disclosure via certified mail on XX/XX/XXXX from XXXX and Experian and have not been provided this information.
Consumer complaint received 2023-02-24
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (OR)

Dates : XXXX XXXX 2023. Amount of " money '' sent to me was {$4900.00}. I will note that I did not try to deposit this at all because it's not legit and I knew from the start. 

There is a company going around hacking accounts on social 's to pose as real companies trying to hire others, they will give you an offer that sounds too good to be true, offer to pay you up front, for minimal hours. They say they will mail you a check with your payment and funds to buy things for your personal home office space. This is all a shame, they tell you to use the check via atm or online deposit and specially tell you NOT to go to your bank, this is the biggest red flag. Their checks do not look legit either and the company they claim it will be sent from does not exist and the company it is sent from is one that tries to mimic a legit life insurance company. 

They try to pose as " XXXX XXXX XXXX XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX XXXX ''. The check is signed by a XXXX XXXX from New York, which is likely not the actual XXXX XXXX.
Consumer complaint received 2021-10-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/2021 I used XXXX to transfer XXXX to XXXX XXXX a food service merchant to deliver hot food to my grandfather in XXXX XXXX. The recipient advised me that the funds were never received via XXXX. I reached out to XXXX to reverse the transaction with XXXX however they were unsuccessful in getting a response from XXXX so they were not able to reverse the transaction. As a result I reached out to my banking institution Capital One to dispute the transaction to fight on my behalf to retrieve my funds from XXXX. My dispute was wrongfully denied by capital one so I am taking the next step to see what can be done to retrieve the funds taken from my account as the recipient never received the transfer of XXXX from XXXX.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 Sections 602 A States I have 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 instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2022-06-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A.R.M. Solutions, Inc. (CA)

XXXX XXXX XXXX XXXX has been sending me bills that are inaccurate and incorrect ( extreme fluctuations in cost- from around {$20.00} XXXX month to around {$250.00} the next ) and suspicious meter readings, and assessing late fees when I haven't paid the full incorrect amounts, even after someone at their company told me bills were incorrect and that it would be fixed ). I have contacted them many times by phone, their website chat, their website email portal, and by mail, and they do nothing to correct the problem. I got a letter from A.R.M. Solutions , Inc., stating it is a debt collector and that " my debt '' has " been forwarded to them to resolve. '' There is a tear-off sheet, but it says that I should pay XXXX, not A.R.M Solutions XXXX and gives my XXXX account number as a reference number. Also, it says that the form should be mailed to XXXX, not A.R.M Solutions. I believe A.R.M. Solutions is misrepresenting itself as having bought the " debt '' from XXXX in its capacity as a debt collector. In reality I think that A.R.M. has some kind of partnership with XXXX to make people think that they have been sent to collections and that their credit will be ruined if they don't pay XXXX ' bogus bills. I have continued to pay a reasonable amount to XXXX monthly because it's true I am using some propane, just not the amount they are saying in their incorrect bills. I have paid nothing to A.R.M. and sent them a verification letter. I am XXXX and have low income and can not afford to pay XXXX ' inaccurate bills. Please investigate and stop these companies from taking advantage of people. Our whole HOA is having this problem, and XXXX has not explained to the XXXX president what is going on. XXXX neighbor was charged {$12.00} XXXX month and {$800.00} the next. I can provide more information upon request. Thanks.
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. (MD)

I sent a letter on XX/XX/2022 to remove : XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$680.00} ; XXXX XXXX Balance : {$9.00}, XXXX ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX : ) XXXX Balance : {$160.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.
Consumer complaint received 2022-06-10
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. (TN)

The credit bureaus stated my account ( XXXX  ( XXXX XXXX ) Account # XXXX ) was properly investigated but how is that possible if the date opened is inaccurate, the date last reported is inaccurate, the last date active is inaccurate. This is grounds for removal. They also violated my rights under 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions. 
Also the credit bureau took more than 30 days to complete my investigation here is my certified tracking # XXXX # XXXX
Consumer complaint received 2023-05-19
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MortgagePros, LLC (AL)

XX/XX/2023 I requested my appraisal to be transferred to a new Mortgage company, as well as stated that I no longer wanted to work with Mortgage Pros. 

XX/XX/2023 After repeatedly request for my appraisal request to be transferred from Mortgage Pros. To XXXXXXXX XXXX, it was said to my rep from XXXXXXXX XXXX ( I was silent but on the call ) We can win him back. And when told You cant hold onto his appraisal if he paid for it, and has told you he no longer wants to work with you. XXXX XXXX said So, the VA allows us 72 hours to hand it over.
Consumer complaint received 2022-06-10
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. (TN)

The credit bureaus stated my account ( XXXX XXXX Account # XXXX ) was properly investigated but how is that when possible if the date opened is inaccurate, the account detail type is inaccurate, high credit is inaccurate, the credit limit is inaccurate, date last reported is inaccurate, last date active is inaccurate, and the date od last payment is not accurate. This is grounds for removal. They also violated my rights under 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions. 
Also the credit bureau took more than 30 days to complete my investigation here is my certified tracking # XXXX # XXXX # XXXX
Consumer complaint received 2022-06-10
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. (TX)

On XX/XX/2022 I sent a letter to credit reporting agencies XXXX and Equifax. Explaining that information reporting on the credit report is inaccurate. 

XXXX XXXX XXXX  Amount {$8900.00} because reporting compliance of consumer credit claims of deficiency and or derogatoriness mandates that any item removed and or modified from one repository shall also have " CARBON COPIES '' of that action forwarded to any and all other repositories from which the reporting data furnisher reports. 


1 ). e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DF 's ) and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. 
2 ). CRAs include Equifax, XXXX, XXXX, and XXXX their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies e-OSCAR also provides for DFs to send " out-of-cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated University Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management, and reporting. 
3 ). ACDVs Initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF 4 ). The ACDV is returned e-OSCAR web-based, Metro 2 compliant, automated system ..... 
CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or Independent Credit Mortgage Reporting Companies.

ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Date Furnisher The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. 
5 ). If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship
Consumer complaint received 2022-09-12
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX  Account Number XXXX CFPB COMPLAINT XXXX TOOK LONGER THAN 30 DAYS. PLEASE DELETE THIS ACCOUNT. 

THE NOTICE OF DISPUTE WAS NOT SUBMITTED WITHIN 30 DAYS WHICH IS A VIOLATION OF SECTION 623. PLEASE DELETE THIS ACCOUNT.
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

In early XX/XX/XXXX I noticed several fraudulent transactions on my Wells Fargo Debit card totaling around {$2900.00}. 10 transactions total. These transactions are 100 % fraudulent and include payments to a XXXX XXXX cruise line and out of town vendors that I do not recognize. All transactions were conducted without the presence of my debit card, ie, were entered manually with the card information without the card present. Immediately upon noticing these fraudulent transactions, I filed a fraud claim with Wells Fargo. I learned today, XX/XX/XXXX, that Wells Fargo has denied my claim. I spoke to numerous people in the fraud claims department and all have told me that Wells Fargos decision is final and my only recourse is to file a police report or to contact the merchants directly. On one occasion, I asked to speak with a supervisor and was placed on hold for 30 minutes before hanging up. This is unacceptable. These transactions are clearly fraudulent.
Consumer complaint received 2022-06-10
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. (MI)

In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX ; ( XXXX ), XXXX XXXX ; ( XXXX ), XXXX XXXX XXXX ; ( XXXX ), has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-10
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. (MO)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the negative accounts and inaccurate name that needs to be removed in my file : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$3400.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

This morning, I was stunned to find incorrect accounts on my credit report, and I dont understand how this happened. I check my credit report often, but suddenly, discrepancies showed up out of nowhere. I even tried refreshing my browser, thinking it might be an error, but the inaccuracies were still there. Because of this, Im asking that the documents I've provided be carefully reviewed so I can finally stop stressing over this.
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (PA)

On XX/XX/XXXX, I tried to close my checking account with Citibank due to an earlier issue with fees and confusing marketing. Because of Citi 's failure to properly staff their customer service teams, I was unable to get through. As a result, I have been charged {$92.00} in fees. When I later managed to get in contact with a rep, she told me that she couldn't close my account because of the fees.